Hello Everybody, I have a question that has been bugging me for quite some time. Equifax is reporting a Medical collection for $37. Take a look at this:

Collection on debt to: Not Reported
The collection agency "605yc00000" was hired to collect a debt of $44 originally owed to "Not Reported" on account number "XXXXXXXXX0905".

Collection agency [?] 605yc00000
Original balance [?] $44
Current balance [?] $0
Status [?] Paid
Date assigned [?] Sep 01, 2005
Date reported [?] Mar 01, 2007
Date last active [?] Mar 01, 2005
Date paid [?] Not Reported
Date closed [?] Not Reported
Original lender [?] Not Reported
Account number [?] XXXXXXXXX0905
Type of account [?] Not Reported
Account holder [?] Individual
Type of credit [?] Not Reported
Payment status [?] Not Reported
Largest past balance [?] Not Reported
Amount past due [?] Not Reported
Account descriptions [?] Not Reported

Pretty messed up, huh ? I tried disputing with Equifax and they confirmed that the reporting was accurate. What a joke.

I'd love to DV the CA or use the HIPPA process to eliminate this, but as you can see I have no clue who the CA is.

44 Bucks and it is tanking my score substantially.

Any thoughts ?

Try working with reports that come directly from Equifax, they should have a little more information. If you have disputed this account before the information you are looking for is usually on the first page.

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Send THIS to ANY CRA that is reporting this account; ( follow ALL the directions)

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