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anonyman

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  1. Hi all, A few days ago I received a collection letter from Convergent Outsourcing. The debt is not mine, or if it is, its probably 20 years old. Anyways, I sent them a letter asking for some proof that the debt actually is mine. I sent certified mail return receipt to the address that was on their letterhead. 10750 Hammerly Blvd #200 Houston, TX 77043 It was supposed to be delivered today, but the message I saw on USPS was: Your item was undeliverable as addressed at 6:22 pm on December 16, 2013 in HOUSTON, TX 77043. It is being returned if appropriate information is available. Anyone know anything about this? Are they allowed to give an undeliverable address for debt validation? Please give me some feedback on this. Thanks
  2. I know about this, and did call Medicaid and they said that since the bill is over a year old, they will not pay for it and to call United Healthcare. Apparently the lab was not under contract. How should I know, they were set up right in my primary doctor's office, he never had any problems with getting paid. What happened is that they didn't enter the correct Medicaid ID / Member ID and didn't want to take the trouble to get that information from my primary. I was basically getting the runaround, they just wanted me to pay, even if it was only $20. This is something that I wasn't going to do because because I would toll the statute of limitations which itself are 3 years and have a little bit less then a year to go. NY State also has a public health law which prohibits collection from hospitals against Medicaid recipients if they were covered at the time of service and the service would have been covered by Medicaid, but again where to go to get this thing enforced, I don't know anything about legal procedures. I am a person which lives within his means and pay my credit card bills the first day of the statement, meaning I work at keeping my payments on time and keeping a clean report. This site has a wealth of information. I'm glad I found it and will be here as a regular member. The work that WhyChat has done is like they say on the Visa / Mastercard ad PRICELESS. WhyChat was the best and most effective way and it is purely legal. If the bill is not valid, it gets taken off and if in fact it is, then the patient can pay it off.
  3. CONCLUSION all of the collection accounts were removed from all of my reports. I had 2 collection accounts. One by a collection agency that had reported the collection to all three CRAs and one by a collection agency that reported to Equifax only. Right after sending the letters, TU deleted the negative account within the first week. The negative on Equifax, I was about to send the billing error letter to the hospital as WhyChat had instructed me, and apparently it came off the day I was going to drop it at the post office. I pulled my report and saw it was gone. Got a letter from Equifax today that it has been deleted. Day before yesterday, Experian and Equifax deleted that collection account which the collection agency had put on all 3 CRAs, eliminating any derogatory information on my credit report. I haven't received the dispute results from Experian or Equifax regarding this yet, but they are not on my report anymore, so I will probably get the dispute results from them by next week. But since they are not on my report anymore, I already know the results. My scores have jumped on average of 35 points for each CRA and currently are in the 735 - 740 range on all 3 CRAs. If the providers and the hospital would have billed my insurance company with the correct member ID, it would never have come to this. I was insured, by Medicaid as well as Managed Care. The hospital scanned my insurance card, and still ended up making an error for which I had to bear the consequences. They put negative information on my report for over a year and they had no intention of taking it off. Their billing department was extremely rude when I had called them a few months ago and even after learning that they had made a mistake, they re billed my insurance company with the correct member ID and refused to take the negative information off of my report. The lady's exact words were 'I DON'T KNOW WHAT YOU'RE GOING TO HAVE TO DO TO GET THAT THING OFF OF YOUR REPORT'. Anyways, this was a much more pleasant experience then trying to bad mouth that lady at the emergency room billing dept. The ironic this is that all of this happened when we moved to NY, and did not get any collection letters. I will donate $100 to a charity of your choice in Sept. Thanks WhyChat for helping 1000s of people like me that got their credit damaged through no fault of their own.
  4. WhyChat, This came off of my It wasn't paid, because the provider entered the member ID incorrectly. They scanned the card, its not that they wrote the numbers down but they still entered the wrong member ID, that is pretty much what I happened. Had they entered the information correctly when filing the claim, they would have gotten paid. How long ago was this?? Does your provider have a record of the incorrectly submitted charges?? Is the charge past the time limit for resubmission with the correct data?? Get something in writing from them to document these issues. Send the OC this: (Your Name) (address) (City,State, zip) s.s.# (social security #) HIPAA Compliance Office ( health care provider creditor) (address) (date) Dear Sir/Madam; This letter is in reference to (account #) for services provided to (name of patient) on (date of service). In regard to the bill on this account in the amount of ($___): This account is a billing error due to your improper entering of my ID#. It was not properly transmitted in a timely manner to my insurance company. ( provide account # and ID # Documentation from insurance attached including information about the availability of refiling) It is not a valid bill and has been properly disputed, therefore I request complete deletion from all your agent (name of CA)'s records and archives. 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. 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 that would have had no balance due save for your error . You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID or INVALID account, as there is no longer any permitted business purpose. Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this account from the records of ( collection agency name) and to require them to have this account information deleted in its entirety from my credit reports will resolve this problem completely. 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 any lack of cooperation or compliance with this request. Sincerely, signature (Your Name) WhyChat, The date they have on my report was Aug-2011. They have resubmitted it to my insurance, but I don't think they will get paid now. They had said that they will call the collection agency and notify them, I had assumed notify them that 'they made a mistake and to take that collection off of my report'. I followed up a few months later and they said they didn't know what I will have to do to get this thing off my report. Furthermore they said we notified the collection agency to take it off of collection, but it still is on my report. Ok, I will send that letter off tomorrow. This goes certified mail right? thx WhyChat, This came off of my report from my initial dispute letter I had sent to the CRA. I had the letter typed up and was going to mail it in the morning and when I pulled my report, it had been removed. I got a letter from the CRA saying that it has been deleted.
  5. It wasn't paid, because the provider entered the member ID incorrectly. They scanned the card, its not that they wrote the numbers down but they still entered the wrong member ID, that is pretty much what I happened. Had they entered the information correctly when filing the claim, they would have gotten paid. How long ago was this?? Does your provider have a record of the incorrectly submitted charges?? Is the charge past the time limit for resubmission with the correct data?? Get something in writing from them to document these issues. Send the OC this: (Your Name) (address) (City,State, zip) s.s.# (social security #) HIPAA Compliance Office ( health care provider creditor) (address) (date) Dear Sir/Madam; This letter is in reference to (account #) for services provided to (name of patient) on (date of service). In regard to the bill on this account in the amount of ($___): This account is a billing error due to your improper entering of my ID#. It was not properly transmitted in a timely manner to my insurance company. ( provide account # and ID # Documentation from insurance attached including information about the availability of refiling) It is not a valid bill and has been properly disputed, therefore I request complete deletion from all your agent (name of CA)'s records and archives. 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. 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 that would have had no balance due save for your error . You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID or INVALID account, as there is no longer any permitted business purpose. Therefore I am requesting you promptly rescind all such account information furnished to (collection agency) and require them to purge their records of all reference to this account, and that you insure that any and all reporting of this account is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this account from the records of ( collection agency name) and to require them to have this account information deleted in its entirety from my credit reports will resolve this problem completely. 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 any lack of cooperation or compliance with this request. Sincerely, signature (Your Name) WhyChat, The date they have on my report was Aug-2011. They have resubmitted it to my insurance, but I don't think they will get paid now. They had said that they will call the collection agency and notify them, I had assumed notify them that 'they made a mistake and to take that collection off of my report'. I followed up a few months later and they said they didn't know what I will have to do to get this thing off my report. Furthermore they said we notified the collection agency to take it off of collection, but it still is on my report. Ok, I will send that letter off tomorrow. This goes certified mail right? thx
  6. It wasn't paid, because the provider entered the member ID incorrectly. They scanned the card, its not that they wrote the numbers down but they still entered the wrong member ID, that is pretty much what I happened. Had they entered the information correctly when filing the claim, they would have gotten paid.
  7. WhyChat, I will follow up on your response in a few days after doing some reading. There is a question I have. Medicaid recipients don't receive EOMBs or EOBs from insurance companies, because the providers are prohibited from billing the clients. United Healthcare told me they don't issue EOBs for my plan because it is considered Medicaid Managed Care. Would you know how I go to prove this is a billing error to the provider?
  8. WhyChat, I have a question on the HIPAA letter. A lot of the hospitals and medical facilities require you to sign some sort of HIPAA form before any treatment, I think a HIPAA waiver form giving them permission to disclose medical information. Usually administered on the first visit by a rude receptionist, which pretty points out where you need to sign on the packet of forms and gives you the feeling that you need to hurry up. Ok, I think the individual can revoke that disclosure permission at any time in writing. On the main HIPAA letter, it doesn't mention anywhere about the patient revoking any permission he has previously given. While the last para goes like "I hereby waive my rights under HIPAA and any state privacy act for the single purpose of ......................................" What if one has previously already signed like a HIPAA waiver or has given permission to disclose medical information? Would it be safe to add a revocation clause? Something like "I revoke all previous permission I may have given for any purpose whatsoever to the fullest extent of the law. To be effective immediately. " thx
  9. IMO, but my opinion only, WhyChat will give the authoritative answer. If the CA verified the debt to the CRA, that should establish a business relationship. Otherwise it is a fault of the CRA for not doing its investigation properly. But in your case the CA is not providing you with a debt validation, and the CRA is refusing to further investigate. So that calls for a complaint against both the CRA and the CA.
  10. Here we go http://www.hhs.gov/ocr/privacy/hipaa/faq/authorizations/474.html Can an individual revoke his or her Authorization? Answer: Yes. The Privacy Rule gives individuals the right to revoke, at any time, an Authorization they have given. The revocation must be in writing, and is not effective until the covered entity receives it. In addition, a written revocation is not effective with respect to actions a covered entity took in reliance on a valid Authorization, or where the Authorization was obtained as a condition of obtaining insurance coverage and other law provides the insurer with the right to contest a claim under the policy or the policy itself. The Privacy Rule requires that the Authorization must clearly state the individual’s right to revoke; and the process for revocation must either be set forth clearly on the Authorization itself, or if the covered entity creates the Authorization, and its Notice of Privacy Practices contains a clear description of the revocation process, the Authorization can refer to the Notice of Privacy Practices. Authorization forms created by or submitted through a third party should not imply that revocation is effective when the third party receives it, since the revocation is not effective until a covered entity which had previously been authorized to make the disclosure receives it. If the debt does turn out to be valid, according to the law, one can pay and REVOKE AUTHORIZATION moving that time forward.
  11. WhyChat. I received an email today from one of the agencies asking me to get the status of the dispute online. Can I just stick with the snail mail correspondence. This way I have proof of when the certified mail was delivered and I think they need to reply within 30 days of that date. Also, on my report it now mentions that I am disputing it.
  12. UPDATE: One of the reporting agencies has removed the information from my report. Lets hope others follow. Also, I think that this was an in network provider, and I should never have been billed. Insurance companies usually have agreements with in network providers. Anyways will also talk to the insurance company today and get some info on this.
  13. What I thik that if you go to their site and pay and pull the report, it doesn't have any report number. But if you get it as a result of a denial, then it will have a report number. This is the area of their site where they ask you if you are entitled to a free report because of low income, public assistance, etc, etc.
  14. Tomm, I skimmed over your post. I would stick to following Why Chat's program. You won't have to put much mind to it, just follow the program and it should get those off of your report. If you drift in different directions, you wont get far. Plus if you've paid even a single penny to the collection agency, you won't be able to benefit from the program and it could stay on your report for 7 years.
  15. I would closely follow Why Chats methods shanes76. $23K is a lot of money. Would second, not paying a dime to the collection agency. If you even pay a penny on it, you renew the SOL from the time of your last payment. This is very important. I just joined this board a few days ago and am going through the process myself.

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