Please tell me you sent a dispute to the CRAs FIRST and received the response from the CA in response to the CRA dispute
Otherwise you had NO proof of any relationship between the OC and the reporting CA .
IF you meant to say that the initial dispute letter was to the CRAs and that you sent the payment to the OC AFTER obtaining documentation of the current relationship, AND the money order had the restrictive endorsement, then your next step would be to re-dispute and send the OC the follow up letters.( these instructions are at the bottom of the HIPAA letter following insert "c".
INSTRUCTIONS FOR FOLLOW UP TO "HIPAA" LETTER TO ORIGINAL CREDITOR HEALTH CARE PROVIDER
ALL FURTHER CORRESPONDENCE SHOULD BE SENT CMRR
Make sure any money order has been deposited ,or you have received a return receipt from your letter if insert "b" or "c" were used.
Send the follow up letter posted below.
Send a copy of the follow up letter to the OC (legal dept) with the cover letter,(follows letter to CRA)
If the CRA responds with verification from the CA or the OC, file a complaint with the HIPAA administration for the OC's , the CA's and the CRA's violation of the privacy rules of HIPAA,and with any available State's Medical Privacy Act administration.
If they do NOT respond with any verification and the account is NOT deleted, file a civil suit against the OC and the CA for their liability for violations of the FCRA and FACTA.
DO NOT under any circumstances, write or correspond with the CA regarding this matter, any correspondence or communication that YOU instigate, while not a waiver of your privacy rights under HIPAA, will impede any cause of action you might have as the non permitted "communication" would have come from YOU.
Please understand, that any CA or CRA now has FULL liability under HIPAA, even if they are NOT the health provider and/or have no business relationship with them. They are NOW covered under the provisions of the act for all medical accounts", they are now also subject to the the penalty rules of the HITECH Act as issued 11/30/2009. if THEY violate, they can also be named in ALL your filed complaints.
Letter To Cra After HIPAA Letter
Use this AFTER you have received the green card back and received verification that any money order has been deposited (if using insert "a")
This is a dispute of account information on my credit report, (report #)
Please re-investigate (or investigate if you have not previously disputed) the following disputed account on my credit report.
(give CA name and acct. #)
Please furnish me with verification that (CA name) is reporting this account from (OC name) for ($ amount) in my name.
I require the identification of the reporting party and the date of their verification.
I require documentation of the authorized HIPAA business relationship between (CA name)and (OC name) and documentation of your authorized HIPAA business relationship between yourself and either ( name of CA) or (name of OC).
Please be advised that this request is being made in accordance with the requirements of the FCRA and FACTA and the privacy rules of the HIPAA and (your State)'s Medical Privacy Act. Please be advised that you are subject to the penalty rules of the HITECH Act as issued 11/30/2009.
Ido N Tnow
(Send a copy to the HIPAA Compliance Dept. of the OC health provider with the following cover letter)
HIPAA Compliance Office
Re: Letter of (date of original letter)
Account #(original account #)
Dear Sir or Madam;
Enclosed please find a copy of my letter(s) of dispute to (CRA (s)).
Please note, I am providing you with an additional opportunity to have this account removed from (CA) and deleted from my credit reports if you have not already done so.
I have no desire to cause you unnecessary difficulty,however,this entry of my private health care information,on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation,and has left me no choice but to proceed with the following:
Upon my receipt of the FCRA and FACTA mandated reply from (CRA),if the account has NOT been deleted in its entirety,I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules and ARRA , including the penalty rules of the HITECH Act as issued 11/30/2009. and (your State)'s Consumer Protection and Medical Privacy statutes.
Good afternoon, Whychat and thanks for the quick response.
Yes, I disputed with CRA (only CSC since they were the only one reporting it at first) first - got a letter from CA with the documentation from OC.
I have sent CSC the followup redispute letter (cc'd OC) and have same letter ready for experian (just saw that they reported to them also AFTER I paid the OC)
Do I wait the full 30 days (fron reciept of Experian letter) before the next steps? << I think so but you are the expert >>
Thanks for everything you do...