This is were I am at.
Opt. out
Removed addresses
Sent 1st letter to CRA’s
EX and EQ removed all but the same 2 a $20.00 and $80.00. Tu removed all but 1 for $784.00
What should be the next letter I need to send?

When was the date of service for the "same 2" and the 1 for $784.??

Are these accounts valid?? Do you/did you have original bills from the HC providers that MATCH these claims, or an EOMB from your insurance stating your patient responsibility for these amounts??

yes they are valid. I have the EOMB from insurance co. and they match

date of service was 8/20/2006 for the 2 and the 784 it was 8/16/2006. I am ready to pay if I have to dont know what the SOL is for louisians on medical.
the CA for the 2 small ones $20.00 and $80.00 calls on Mon. and Fri. every week and I dont have contact with them.
guess they know TU deleted their TL for them.

The accounts may be "valid" in so far as the original creditor health care provider, however, in order for you to be able to pay them to the OC, you need to establish a CURRENT business relationship between the reporting CA and the OC. It is possible that there is a verifiable relationship, at which time you can pay what you actually owe to the OC and get the accounts deleted from your reports.

The CA would have NO WAY of knowing that TU deleted the account.

Other than the dunning phone calls, have you anything in writing from ANY of the CA's?? Especially now, in response to your dispute to the CRA's??

Here is what you need to do, you need to send this letter to each CA:

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

You need to send one letter to each CA for EACH CRA they are reporting to, you can send the 2 or 3 letters in ONE CMRR envelope, each letter should state the CRA they are reporting to.
For example:

"This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my Experian report

You then need to send each CRA this, as soon as you have the green card back, with a copy of THEIR letter that you have sent to the CA.

http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE

In the meantime, the next time the "phoning" CA calls, ask for their name and the name and address of their Company, tell them to speak clearly as the call is being recorded. If they don't hang up on you tell them that "upon advice all further communication must be in writing only".

Louisiana

Unless a criminal or tortious purpose exists, a person can record any conversations transmitted by wire, oral or electronic means to which he is a party, or when one participating party has consented.