I am receiving letters from a collection agency regarding services performed last year. I paid the OC online, thru their website, a month prior to receiving the collection notice. Since I had already paid the OC, I ignored the collection notice. Today, I received another notice from the CA asking me to pay up. There is no entry on my CR; however I want to prevent this. I looked at WhyChat's HIPPA process; however I'm not sure how to proceed in this case, since there is no report on my CR, and the payment was already made to the OC.

Help, please?

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Send the CA this:

Your Name
123 Your Street Address
Your City, ST 01234

ABC Collections
123 NotOnYourLife Ave
Chicago, IL
Date: _________ CRRR#____________

Re: Acct # XXXX-XXXX-XXXX-XXXX
To Whom It May Concern:

This letter is being sent to you in response to your attached letter.

This is not a refusal to pay, but a notice that your claim is disputed.
This account was paid in full to the original creditor health care provider on time and in full over 30 days prior to your collection letter.

Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.

Please attach copies of:

Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment.

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.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. This includes ANY reporting of ANY type on this account to ANY CRA.

Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns

I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities and the BBB for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on a PAID account as well as it being subject to the HIPAA and (name of your State) medical privacy rules.

I also hereby reserve my right to take private civil action against you to recover damages.

Sincerely,

Your Name(PRINT OR TYPE DO NOT SIGN)

Wow. Thanks much!

I'm already opted out, so that's done.

I'll fire this off today during lunch...