I have follow all the steps Why Chat has listed perfectly before this letter. I did get a bump in my score when the status went from unpaid to paid on my cr. I'm wondering if I should keep going or maybe I should stop. Any advise would be greatly appreciated.



June 6, 2006

John Doe

Reference: Account# xxxxxxxxx, xxxxxxxxxx, xxxxxxxx

Dear Mr. John Doe

l am in receipt of your correspondence regarding the above-mentioned accounts. For your convenience I have enclosed statements on each account. As the statements detail all accounts have been paid in full. However, payments were not received until after the accounts were listed with the Collection Agency. Therefore, in accordance with all State and Federal Guidelines the accounts were reported to the Credit Bureau. Also, in line with State and Federal Guidelines payments made on the accounts have been reported to the Credit Bureau.

Due to the timing of the last payments received on your accounts, April 13, 2006, there may have been an internal delay at the Credit Agency for the update of information. From experience a credit information file update may take up to 60 days before the account shows paid or closed. The debt will not be erased from your file but will show as a zero balance.

Should you have additional questions, or I may be of further service to you, please do not hesitate to contact me at xxx-xxx-xxxx
Sincerely

Team Leader
Patient Financial Services
Enclosures

Why stop now? You've gotten it paid, but if it shows as a CO on your CRs, then it's still a problem. From my reading, they are still letting the CA report to the CRAs.

And 60 days to update at the CRAs is bull.

Send a short polite letter as follows:

Dear OC,
I am in receipt of your letter of xx xx xxxx.
Please note that your communication of the "paid" status of my account to a 3rd party , and their subsequent publishing of this "paid" status to my credit reports ,is not permitted under the HIPAA privacy rules, since there was no longer any permitted business purpose for such communication.

I again request that you withdraw ALL data from your agent, (CA name) and instruct them that they are NOT permitted to communicate ANY of my private medical information to any CRA, this includes verifying or updating any existing data they have already communicated.

I will be AGAIN sending a dispute to the CRA and if this account is AGAIN verified or "updated" to "paid" I will be filing a complaint against you and your agent ( name of CA ) with the OCR for violation of the HIPAA privacy rules. I will be including your letter of xx xx xxxx as proof of your written refusal to withdraw and expunge my private medical information from unauthorized users.

Sincerely,

Wait until they have received this, ( send it CMRR) then redispute to the CRA with the "follow up" letter to CRA from the HIPAA letter program.

Thanks Why Chat. Will send out this moring.

Looks like something is starting to happen. One of the collections has drop off EQ report. All three still on TU. The collections never showed up on EX at all but I was worried that they could.