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  1. No but I will once Open Enrollment comes. I believe all of these accounts were with a hospital (ER). I do not believe I was offered the opportunity to apply for assistance at the time of medical service. Ex: “real report”shows the 3 disputed accounts notated “Account in dispute reported by subscriber” and “Account information disputed by the consumer under the Fair Credit Reporting Act.” EX “real report” discrepancies: -1 incorrect spelling of my name under “Also Known As.” Previous report (annualcreditreport) showed 2 incorrectly spelled variations. -2 old addresses. Previous report (annualcreditreport) showed 9 old addresses and I’ve never requested any to be deleted. -1 unrecognized phone number. ”Personal Statement” on report indicates a security alert has been placed on my account for 1 year. EQ: “real report” shows 2 notations of “file blocked for promotional purposes” and 2 notations for “fraud alert.” -Each of the 3 previously disputed ca’s show “consumer disputes this account information.” -1 incorrect spelling of my name listed under “formerly known as.” Everything else seems to be normal
  2. I now have 3 real reports directly from the CRA’s. It doesn’t appear to be a duplicate based upon all the data provided. EQ listed the DoFD as 12/16 so I’m assuming it was around mid 16’.
  3. I followed the program all the way to sending the follow-up dispute to the CRAs. TU deleted all accounts (3 from ARS). 3 accounts disappeared from EQ (SCS) leaving me with 3 ARS accounts on my EQ report. EX has not deleted anything. 3 ARS accounts remain plus a new account from CFS (medical.) I should be but I just opted out again. Will do. Should I not file a complaint against EQ? They said they were unable to locate my credit file although 3 SCS accounts disappeared. I’ve been relying on Credit Karma and the updated reports the CRA’s send me. I’m not too familiar with the “back door” policy. I’ll go buy new reports unless I can figure out the back-door method. Yes, the newly reporting account on EQ and EX is a medical account from Commonwealth Financial Systems.
  4. I have received a new report from Experian (all collection accounts remaining.) I also received a letter from ARS stating they received my request to freeze my information in their files, yet they cannot complete this until I send them a copy of my updated state ID with my current address. Needless to say, I’ve only sent what you have instructed me to do so. TU deleted the 2 CA’s on my report (ARS)- No paperwork was sent acknowledging this. EQ deleted all SCS accounts on my report- No paperwork sent acknowledging this. It also appears that a new CA has appeared on EX and EQ reports. Commonwealth Financial Systems. I’m assuming I need to complete the original process before I address this account, correct? So regarding the 3 ARS accounts remaining on EQ and EX, how do I proceed from here? As Always, Thanks!
  5. I just received a response from EQ and EX in response to the follow up dispute. To summarize: EQ: unable to locate a credit file in their database with the identification number I provided. I provided a copy of my social security card along with my driver’s license. EQ wants me to mail this form back to them along with proper identification (already provided.) EX: Notified by one or more CRA’s that my credit report is inaccurate due to fraud. A temporary Initial Security Alert has been added to my file. Needless to say, I did not file any fraud alert. Are these simple tactics to delay an appropriate response or is this this the only response I’m receiving in regards to my follow up dispute with EQ and EX? Please note, TU already deleted all accounts I was concerned with so they did not receive a follow up dispute. Any advice on what my next course of action should be?
  6. I’m preparing the medical DV’s. I understand that each bureau being reported to by any specific CA needs an individual letter, although they can be mailed together in the same envelope. Is this limited to individual accounts? ARS is reporting 3 accounts to EQ, 3 accounts to EX, and 2 accounts to TU. Does each account need an individual letter? For example, can 1 letter address both accounts being reported to TU by ARS?
  7. This is the first response I have received back although I have disputed these same accounts with all 3 CRA’s. I’m still waiting to see the results from TU and EX. Yes, still waiting on results from the other 2 Thanks a million!
  8. I just received a response from from Experian in regards to my initial dispute. It seems they are not willing to investigate in my dispute unless I provide additional information as they are claiming “We have previously processed this dispute and the credit grantor has verified it’s accuracy.” While I have previously disputed these accounts, I certainly did not request, nor was provided, details such as the dates and types of services provided, name of the person providing the data, and the manner in which the data was provided. If I’m not mistaken, these details are essential in establishing a documented relationship between the reporting CA and the health care provider. What should my next move be with Experian?
  9. Good to know as I was using the date provided by the CA (prior to beginning your process.) Unfortunately, I was not insured. I have except that I have not deleted all previous addresses. I understand this step to be optional.
  10. I figured I would log the process online for any questions that will inevitably arise. I have a total of 5 medical collection accounts held by 2 CA’s (Account Resolution Services and Specialized Collection Systems.) Here is how they are reporting to the 3 major CRA’s: Equifax: I). Specialized Collection Systems Amount Owed: $250 Within SOL based upon reported DOFD II). Specialized Collection Systems Amount Owed: $600 Within SOL based upon reported DOFD III). ARS Account Resolution Amount Owed: $1,400 Within SOL based upon reported DOFD IV). ARS Account Resolution Amount Owed: $1,600 Within SOL based upon reported DOFD V). ARS Account Resolution Amount Owed: $500 NOT within SOL based upon reported DOFD Experian: I). ARS Account Resolution S Amount Owed: $1,400 No DOFD reported II). ARS Account Resolution S Amount Owed: $1,600 No DOFD reported III). ARS Account Resolution S Amount Owed: $500 No DOFD reported Transunion: I). ARS Amount Owed: $1,400 Within SOL based upon “placed for collection” date II). ARS Amount Owed: $1,600 Within SOL based upon “placed for collection” date *Please note that all 5 accounts are titled exactly as they appear per report. **Account Resolution Services is NOT bonded in Texas (my state of residency prior to accounts existing.) Progress: I am currently opted-out. My initial dispute was sent out today (5-13-19) using Why Chat’s Dispute Form with all content written with a blue ball point pen.
  11. Thanks for the info! I think I’m going to opt for a permanent removal of this account with the Texas plan as I don’t want to keep dealing with these accounts.
  12. The number I called that was able to successfully get me enrolled is : 1-877-443-0144 I believe this line belongs to Firstsource Advantage although they only identified themselves as American Express and refused to tell me what department I had called. The gentleman I spoke with was xxxxxx. In contrast to what I was expecting, he was rather polite. I simply told him that I had previously been offered an Optima card in exchange for a full payment, and that I would like to immediately take advantage of this opportunity. I insisted that I receive a written offer before I provide any payment information. After about 3 minutes and a brief discussion with his manager, Muffadal agreed to mail me an offer. I recieved the 1 page offer roughly 2 weeks later. I then called back, made a full payment, and then mailed the appropriate section of the offer form off (address listed in the header.). I recieved the card roughly 2 weeks after this account reported as paid to the CRA’s. The whole process took about 5 weeks.
  13. Yes, I’ll post it later when I get home.
  14. I just recieved my Optima card! I had a $2,200 CO. It took many calls to find the right department to offer the card, but eventually it all worked. I doubt AMEX cares about what the reasoning is regarding a CO. Mine was due to medical reasons as well...

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