I have about 12 items between me and DW from the same CA, CSB Systems. Following WhyChat's process, I sent pre-HIPAA letters to the CRA's to get the info I needed, and the CA sent me letters for each TL with the following (top parts are filled out individually):


Client: (code)
Account#: (####)
Creditor: (hospital name)
Creditor Ref # (####)
Total Due: ($XXXX)

RE: tsb2000
(tsb's daughter listed as well)

Dear tsb,


We were recently notified that you submitted a dispute to a credit reporting agency concerning the account referenced in this letter.

The information we have available to us indicates that this account is valid and remains unpaid.

If you have any additional information in support of your dispute, please forward such information to this office immediately, and upon receipt we will review the same

You can pay this account online at www.csbpayweb.com, using your check, debit, or credit card

You can pay this account by mailing the payment to the address listed on this letter

You can call our office at the telephone number listed on this letter and speak directly to a representative.

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

This is their information? What's next? Thanks to everyone fory your help!

If the accounts are legitimate then you can pay them with the HIPAA letter insert "a" to the Hospital.

If you have reason to believe that you do NOT owe these accounts to the Hospital, then send the hospital the HIPAA letter insert "b".

The PURPOSE of the HIPAA letter program is to dispute off any "fake" accounts, obtain the needed data from the CA to pay the OC, or to dispute the incorrect account information with the OC.