Hello All,

I have went through various threads seeing if I can find information already posted to help me with my dilemma before I created a new thread. I saw bits and pieces but didn't fully understand or some info didn't pertain to my questions (or maybe I'm just confused). All help will be appreciated because I'm lost now.

Here's my issue: I have several collection accounts with one company--United Consumers, Inc.--that I have been disputing for a few months now. I had contacted the credit bureaus before and managed to have them deleted from my TransUnion Account with the exception of one that they just placed on there. Equifax & Experian keep telling me that they have verified the info with the Collection company and they refuse to re-investigate. I contact the original creditor and was told that they are no longer handling this account as it has been turned over the collection agency. I then contacted United Consumers and requested verification and they sent me a packet of bills with the prices & account numbers & service dates, which is what was already listed on the bill they sent me. Bottom line, I'm just looking for a way to have this account removed from account/credit period. I'm trying but seems like I'm getting no where.

Are these legitimate bills??

Are they all from the SAME health care provider, or different health care providers.

Were you insured?? If not, did you apply for assistance with the bills??

What were the dates of service??

You need to opt out
http://whychat.5u.com/OPTOUTINST.HTML
and try to get old addresses deleted if you have moved since you received the medical services.

You need to send the medical dispute letter to the CRA's, list all accounts in each letter as shown on that report, FOLLOW ALL THE DIRECTIONS.
http://whychat.5u.com/hipaadisp.html

If you get NO response FROM THE CA in response to your dispute to the CRA's, you can then send the CA this;
http://whychat.5u.com/ltrcavalhipaa.html

If you DO get a response and IF these bills are all from the SAME health care provider, and they are all fairly recent ( within 2 years) and they seem accurate, then you can pay the amount owed directly to the health care provider with the HIPAA letter, insert "a". If you look at insert "a" you will find the health care billing charts, which can provide you with the usual and ordinary fees paid for your services, you can use those amounts to pay the original health care provider.
http://whychat.5u.com/hipltr.html

Are these legitimate bills?? Yes they are legitimate bills.

Are they all from the SAME health care provider, or different health care providers. They are all from the same health care provider.

Were you insured?? If not, did you apply for assistance with the bills?? I was not insured at the time and was not told about assistance until 2008 in which applied, was approved and they paid only for the bills that were dated back to a certain date. I was also told that the financial assistance only paid the facilities fees and I'm being billed for the physicians fees.

What were the dates of service?? Dates of service go back to 2005 I believe....I will check my credit report to make sure.

I will follow the steps you listed below. Going to read over the links you provided. Thanks for taking the time out to respond to my questions.

Will be back with an update.

You need to send the medical dispute letter to the CRA's, list all accounts in each letter as shown on that report, FOLLOW ALL THE DIRECTIONS.
http://whychat.5u.com/hipaadisp.html--So I send this letter to the Collection Agency or the Credit Bureau?

This letter needs to go to each of the credit reporting agencies (CRA's).

Thanks R2-D2 .

Before I send off my documents I want to make sure I send the right HIPAA letter. I have disputed the medical bills on several occasions. With all credit report agencies as well as the company and original creditor. My question is should I send this letter first http://whychat.5u.com/hipaadisp.html or this letter http://whychat.5u.com/ltrcavalhipaa.html ?
I want to follow the correct steps. I'm only asking because I saw in a recent thread where someone posted their credit report and it listed that that particular collection/bill/item was disputed. But again, my bills are legitimate and are from the same creditor/collection agency.

You may be correct that you have documentation as to the validity of the medical bills being "legitimate" in so far as your responsibility to the original creditor health care provider, however you have NO PROOF that the reporting CA was assigned the account by the OC, no documentation that they are in a CURRENT business relationship and NO WAY of getting the entry offyour reports without that proof.

You are disputing the REPORTING, not the original bill. Send each CRA ( Credit reporting Agency) where the account(s) are reporting the initial medical dispute letter( if you have already opted out)