OK folks, so here is my story, I have 2medical collections on my credit files since 2005:

1. $120.00 Reporting on all 3 CRAs. (Doctor's office).
2. $1115.00 Reporting on Equifax. (Hospital).

I followed WhyChat’s instructions and sent the PRE HIPAA MEDICAL DISPUTE LETTER to all 3 CRAs about a month ago. This week I got replies from all 3 CRAs just telling me that original creditors were the collection agencies but there is a problem with the amounts owed.
1. Equifax came back with $1115.00 owed to XYZ collection agency – That’s what I expected.
2. However for the second one, ALL 3 CRAs came back with $112 as the original amount owed but only $80.00 past due. I know for a fact that the doctor's bill I defaulted on was in the amount of $120.00. Not $80.00. Before I disputed this account, $112.00 was showing on all 3 CRAs. Any Ideas what’s going on here? How much should I pay?

I have the ability to pay the debt in full, so according to Whychat’s process I should send the HIPPA letter along with insert “A” and full payment to the Original creditor. Correct?

Thanks a lot gang.... I really need all the love and support to knock these 2 baddies off my Credit files...