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cocori

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  1. ^^^^Thanks for posting that update. I hope this passes. I know so many people whose credit has been affected by medical bills.
  2. Correction....your own money makes you "feel warm and fuzzy"...not someone else's money.
  3. I'm curious to understand why one would need more than 1-2 credit cards?
  4. If you'd read my response in the quoted post, you'd realize that the suggested letter wouldn't work for me because I've pretty much already validated the debt as mine. You were told to keep all post under one topic! All you had to do is try! Guaranteed CA's wont bother responding to the Alternate Medical DV on a paid account, they have there money they don't want to waste there time. Whychats method is proven! Are you saying that you are refusing to even TRY the medical DV?? http://whychat.5u.com/ltrcavalhipaa.html#PAID or that you haven't even tried following ANY of the advice given here. opt out delete old addresses send the initial dispute letter http://whychat.5u.com/hipaadisp.html If you are going to ignore the advice given here, that has been used successfully by hundreds, if not thousands of people over the past 8 years, and instead post a letter from a lawyer that has NOT been used by anyone, much less yourself successfully, then I suggest you get yourself a different system of getting advice, perhaps a Ouija Board. YOU CAN LEAD A HORSE TO WATER BUT YOU CANT MAKE IT DRINK!! Are you yelling at me? LOL! Thanks for the advice...it has helped me greatly.
  5. I think my prayers have been answered. I ran across a friend of the family who is a lawyer and is familiar with consumer laws. I told her my situation and she is putting together a letter specific to paid medical collections. I'd be glad to share it once I receive it.
  6. If you'd read my response in the quoted post, you'd realize that the suggested letter wouldn't work for me because I've pretty much already validated the debt as mine.
  7. ^^^^ I understand what you're saying. I wasn't saying my situation was similar for no reason. I have also opted out AND deleted all previous addresses AND sent initial dispute letters to the CRA.
  8. ^^^^Okay, maybe I misunderstood your post. Here is the actual thread.....http://creditboards.com/forums/index.php?showtopic=398857. I would love to know how this turned out for the poster.
  9. Okay, so I'm trying to get a clear understanding here before just sending out a letter to the CRA. My debt has been paid and it was paid to the CA. I found the following example, Whychat, that you provided to another poster that appeared to be in a similar situation as my own. If I recall correctly, you advised the person to send the message below directly to the CA. Isn't this letter similar to the letter above. Greetings; This letter is in reference to (account #) reporting as paid on my credit reports. Please be advised that under Federal Statutes. the Fair Credit Reporting Act, (15 U.S.C. � 1681 et seq)and (name of your State)'s Consumer Credit Statutes, you are liable for your actions (a) Duty of furnishers of information to provide accurate information. (1) Prohibition. (A) Reporting information without permissive purpose. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is prohibitted from being provided to a 3rd party. HIPAA and (name of your State)'s Medical Privacy Statutes are in effect in this situation. The Privacy Rules prohibits a covered entity from using or disclosing an individual's protected health information ("PHI") unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. In general, PHI encompasses substantially all "individually identifiable health information" that is transmitted or maintained in any medium. "Individually identifiable health information" includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual's physical or mental health or condition, including information related to an individual's care or the PAYMENT for such care. Your furnishing of my account information to (collection agency name), is not in compliance with HIPAA,or (name of your State}'s Privacy Act, and any subsequent reporting of this account on my credit reports to (credit reporting bureaus) is a clear violation of Public Law 104-191 ("HIPAA") since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. You are prohibited under the HIPAA and State privacy regulations from reporting on a PAID medical account, as there is no longer any permitted business purpose. Therefore I am requesting you promptly rescind all such account information furnished to any credit reporting association and purge your records of all reference to these accounts, and that you insure that any and all reporting of these accounts are immediately deleted from my credit reports. Please respond, in writing within 10 days that you are processing this request. I am reserving the right, to take appropriate legal and civil action including reporting to any applicable regulatory authorities, or the OCR on your violation of the HIPAA privacy rules, any lack of cooperation or compliance with this request. I hereby waive my rights under HIPAA and any State Privacy Act for the single purpose of your transmission of this request and accompanying documentation in any required report you must make to your E &O insurance carrier.
  10. So, for the past few days, I've done lots of reading to get a better understanding of the laws as they apply to my situation. I have a paid medical collection....a balance that was paid directly to the collection agency. Last month, I sent the CA a goodwill letter hoping they'd be considerate enough to delete the collection account from the two reports it appears. After all, it was such a small amount. To date, I've had no response from the. I didn't see how contacting the OC or CRA would help my situation so I've created a letter that I hope would do the job with the CA. I'm asking for your advice. Would a letter like that below accomplish the goa? Thanks in advance! Dear Collection Manager, This letter is in reference to account number ###### as it appears on the XXXXX and XXXXX credit bureau reports per your reporting. In Month/Year, your agency communicated protected health care information to unauthorized parties without any permissible purpose as outlined in the Health Information Portability and Accountability Act (HIPAA) privacy rules. As you may be aware, protected health information includes information about provision of health care or payment for health care that can be linked to an individual. Your furnishing of this information to the aforementioned credit bureaus is not in compliance with HIPAA or your agreement with the health care provider to safeguard protected health information. Since there is no balance/payment due on this account, there is no permissible business purpose in sharing this protected health information. Under the Fair Credit Reporting Act you are required to accurately report the status of an account to the credit bureaus and you are prohibited under HIPAA from doing so on a paid account without permitted business purpose. I am requesting that you promptly purge your records of all reference to this account and insure that any and all reporting of this account be immediately deleted from the aforementioned credit bureau reports. Your prompt and kind consideration in this matter is greatly appreciated.
  11. Thanks. How I wish I'd found the medical collections forum before sending the goodwill letter. My goodwill letter to the CA, clearly validates the collection. Guess there's not much more that I can do. I'll try to dispute with the CRA.
  12. I thought I read somewhere that Whychat's method didn't work for paid medical collections? Is that right? Maybe I was reading an older thread.
  13. Review the chart again...both the CRA and CA are sent a letter on Day 1. I, however, waited until I had confirmation via certified mail return receipt requested that the CA had received the letter, then I sent a letter to the CRA. No need for a letter from the CA, does it appear on your report.

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