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  1. Hello, Yesterday I received a notice in the mail from Phoenix Financial Services, LLC. claiming that the account in question was purchased by CP Medical LLC and that they (Phoenix Financial) is collecting on their behalf. The account is from 3/1/13, original creditor is Cleveland Clinic Florida Professional for the amount 52.60. This account is NOT listed on any of my wife's reports. She has clean reports as of yesterday. We did apply for a mortgage (opt'd out beforehand) and our closing date is March 8th. The letter is saying that unless we notify them within 30 days then they will assume the debt is valid. Again, no collections on her reports. Should I ignore this or should I send Phoenix Financial a DV letter? Thanks!
  2. Quick update: I just checked the backdoor (couldn't help myself) and verified that the collection is gone! Thank You WhyChat, the process worked perfectly! And rather quickly considering it was Equifax.
  3. Quick Update DV sent to CA on 12/4/2018 CA received DV on 12/5/2018 Followup sent to EQ on 12/6/2018 EQ received followup on 12/9/2018 EQ CR shows consumer disputes on 12/11/2018 This whole time I have NOT received ANY communication from the CA. Today I checked credit karma and noticed the collection is gone! I haven't received any alerts from experian credit monitoring yet (I've noticed the alerts are usually 1-2 days behind when they're for EQ or TU). I'll wait for official notice from EQ before claiming victory. I can't check the backdoor as I was locked out weeks ago.
  4. Quick Update: Yesterday I received a response from EQ stating that they verified the account. (this was in response to the initial letter). The Followup letter to EQ was also sent yesterday. Question. On the letter they sent, on the header of it they state Credit File: November 30, 2018 Confirmation #: <10 digit number> Is the confirmation number the ID of a fresh report? (no report was included in the envelope)
  5. Quick Update: DV sent to CA on 12/4/2018 CA received DV on 12/5/2018 Followup sent to EQ on 12/6/2018 No changes to EQ report yet since last update. Account showing as "Medical" and no longer is dispute. Have not received ANY communication from either CA or EQ.
  6. I unlocked all reports, waited 5 mins and pulled the trigger. I was at $43k and asked for $80k. Got 63k. No HPs.
  7. Any advice on my situation? I checked CK it no longer shows in dispute. I tried the Backdoor on EQ and it looks like it doesn't work anymore. Should I send the DV to the CA as is or change the verbiage since I never received any verification from either the CA or EQ? Thanks!
  8. Great Thanks! 1 more question, in the template you have the following: "This letter is being sent to you in response to your recent fraudulent verification of an unknown medical account on my Equifax report" Technically I haven't received any form of verification from either the CA or CRA. Should I leave that verbiage as is or change it to something else like "...to your recent reporting of an unknown medical..."
  9. Ok. Quick question on the DV letter that goes to the CA. In your template you have: Date: _________ PM#____________ Is PM# the Tracking number of THIS DV letter I'm sending, or the tracking # from the initial letter sent to EQ?
  10. Update: On Wednesday 11/28/18 I checked the EQ backdoor and the collection account was still listed and reporting as in dispute. Just now, 5 mins ago, I checked the backdoor again and the account is still listed but this time under comments it just says "Medical". No where does it say anything about it being in dispute or under investigation. Does this indicate that they "verified" and closed the investigation? Should I move on to the next steps?
  11. So I haven't heard anything back from EQ yet. It's been about 10 business days. On credit karma, in the EQ section it shows an update stating the following: "Remarks: Consumer disputes - reinvestigation in progress" I tried to check the backdoor on EQ but when filling out the form it wants me to checkbox a section that says "To continue, click to agree to Online Delivery of Results" so I didn't continue as I wasn't sure if this would hurt the process. Is it safe to check that box?
  12. Just a quick update. I sent the initial dispute letter to EQ (it's only reporting on EQ) and they received it this morning. As soon as I hear something or any changes, I'll report back.
  13. Ok, I got the EOMB with all the paperwork as far as what was billed and what was paid. The WC paid all invoices. What's weird is that the amount of the collections which is $233 doesn't appear anywhere in the invoices paid by the WC. The $233 seems to be a charge related to the actual Dr. itself who looked at my wife. This could be balance billing or an errorneous billing. I looked at the clinic online and they have complaints similar to mine. In the EOMB it does have a line stating "A Healthcare provider may not bill the injured employee for services rendered for a compensable work-related Injury. Unless otherwise stated , reimbursement has been made in accordance with the Florida Workers' Compensation Health Care Provider reimbursement manual and/or manual for hospitals and ASC." How should I proceed? Do I only send the HIPAA dispute letter to EQ and nothing to the CA?

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