DH has two collections from IC Systems. He sent the pre Hippa letter to the CRA's has you instructed. Now today, I found out that IC Systems is not bonded in Texas. This is a major No, No and while it can only net me a $100, I think it might be fun to play with them. So when I get the CRA response back, would it be okay to write to IC systems and ask for validation or would that ruin the whole HIPPA thing?

Or should I pay the OC and then write the DV letter to them? Or just leave them alone?


THANKS!!

I believe Whychat is on vacation right now, but I doubt he would approve of intertwining the HIPAA process with DV. As he has stated before,"you are, in effect negating any possible HIPAA process as you are requesting the very same private medical data that they shouldn't have available. Your request ( DV) gives them the permission they need". i don't know if that answers your question or not.

94

Thanks for the update. I will continue with the process he outlined and then once that is done, notify the AG of their noncompliance -- but I will post again once WhyChat gets back.

Thank you!!

I.C. Systems has let their bond expire in the past. When this info became public knowledge on various credit sites, many Texan consumers wrote letters pointing out that they could not legally collect in TX without a bond.
I.C. Systems deleted fairly quickly after receiving these letters.

To make a long story short, a few months later they were bonded again and they promptly re-reported the accounts to the CRA's.
Note: The CRA's are only responsible for providing you with a notice of re-insertion if the account was deleted as the result of a dispute. If the CA removes the account voluntarily and later re-reports, there is no violation on the part of the CRA's.

When did I.C. Systems bond expire? (Just curious)

I agree with the advise above---don't contact I.C. Systems.
Just follow WhyChat's advise posted in this forum.

I didnt even see them on the listing...


Also since they are collecting on behalf of the doctor, can he be held responsible for thier lack of following Texas law?

Should I include that in the HIPPA letter to them?

I have also not heard back from the CRA's yet on the PreHippa letter. they have until mid Sept.

The HIPAA letter program, ( like all of the other letter programs on my website)is a "stand alone" program.

If you have issues dealing with the FCRA or FDCPA or any other type of CA violations, do NOT include them in the HIPAA letter program, as it would nullify the "no CA communication" basis of the HIPAA letter program.( You are permitting, by reference to a CA violation communication between the OC and the CA on your account)