Okay, so I've been following WhyChat's site and instructions. I disputed a medical account to the CA that's for a dentist that is way old (2001 reporting as various open dates). I believe the insurance should have covered all of this as I would have paid my portion in the office. I am wondering if they are dunning me for the portion they should be writing off but I'm not sure.

Today I get a letter from the CA with an attached "statement". It's a handwritten ledger with activity dated from 8/3/01 - 3/2002. It lists three insurance payments and a balance of $140.00 from a total balance of $589. It does not show any payments from me, not even co-pays, of which I imagine there would have been.

I know I had an account with the OC but what I'm not sure of is if I actually owed them anything or had already paid it. The letter stated in it to provide the following:

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Not provided: Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment.

Not Provided: Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization.
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So what should I do to respond to this? I looked through the site and don't really see another step, it's covering things that I don't think apply to my since this is so old. Am I looking in the wrong place?

Thanks for your help - sorry to be a nuisance!

You didn't say that you had sent the Medical Dispute Letter to the CRA's, although you DID say you were following the "HIPAA Letter Program" from my website.

DID you send the medical dispute letter??

http://whychat.5u.com/hipltr.html#DISPUTE

What was the response from the CRA's??

What exactly DID you send the CA?? the medical DV/SOL letter??

http://whychat.5u.com/ltrcavalhipaa.html

If so, and you had tried disputing it with the medical dispute letter before, then you need to dispute again with this:

Dear CRA,

My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.

I am sending this dispute certified mail # xxxx to make sure you receive it.

I have no knowledge or records of account # xxxxx on my report # xxxxx.

I have disputed this obsolete account with ( name of CA ) enclosed is a copy of my dispute and proof of their receipt, I have had no response from them.

Please advise me as to the name and address of the original creditor, the name of the account holder,
and the reported date of first delinquency,as any account I might have had at one time would be obsolete.

If you can obtain this information, I also would need the name of the person providing this data,
and the manner in which it was provided in order that I may pursue additional legal remedies.
Very truly yours,

xxxxxx
Make sure you HAND ADDRESS the envelope, use personalized stationery and purple or teal font, ( preferably italic).

DO NOT send it RR

WhyChat - I'll have to look through my documentation. I think I sent both letters but I can't remember now. I know it's past SOL cause it's from 2001. I've disputed so many accounts with the CRAs I can't remember between them all. I'm probably going to have to just focus on a couple of accounts at one time and I think this one may become a priority since it's so old.

I'll try to respond later tonight from home (forgot to bring my notebook to work with my like I usually do - I'm lost without it!).

WhyChat - sadly, it looks like I botched this. I sent a general DV letter, not the medical one. I'm usually better at following directions than that.

In light of having sent the wrong letter, is there anything I can do? (Sorry for being SUCH an idiot).

Try this:

You dispute accounts this way:

Dear CRA,

My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.

I am sending this dispute certified mail # xxxx to make sure you receive it.

I have no knowledge or records of account # xxxxx on my report # xxxxx.

I have disputed this to ( name of CA) on (date of DV) and have received no response.

Please advise me as to the name and address of the original creditor, the name of the account holder,
and the reported date of first delinquency,as any account I might have had at one time would be obsolete.

If you can obtain this information, I also would need the name of the person providing this data,
and the manner in which it was provided in order that I may pursue additional legal remedies.
Very truly yours,

xxxxxx
Make sure you HAND ADDRESS the envelope, use personalized stationery and purple or teal font, ( preferably italic).

DO NOT send it RR

Ok, I'm sending it today to the two bureaus reporting it. I handwrote it on spiral notebook paper in cursive in blue pen. It was the closest I could get to the instructions above - I don't have stationary or any other color pen other than blue or black. I'll let you know what happens. Thanks ever so much for your help!