reesie0726

I have a medical CA for a bill from 2011. I had opted out, deleted old addresses then sent pre-hipaa disputes. It was deleted from Transunion and updated on Equifax and Experian. I sent the medical dv letter and got this response. Re: Account#xxxx XXX Associates $xxx.xx Date of service 3/11/11 Dear Reesie, This is in response to your recent letter to West Central Texas Collection Bureau concerning the above referened account. The 30 day period for validation provided in Section 809 B of the FDCPA has expired. However since you are disputing this account WCTCB has conducted an investigation as requird by the FCRA. Based upon the research and your failure to proide any information as the basis for your alleged dispute, it is our opinion that said account is yours and still due and owing. It will continue to be reported to the three credit reporting agencies with the notification that you disputed it. Is this sufficient response. Do I move on to the next step and pay the OC with the Hippa letter?

Yes it sounds like they did properly validate. Luckily it looks like they are going to remove the trade line anyway

Yes, this thread help me get many CAs offs back. Thx Walter for the thread. It's helped many Texan CBers

This is from my portion not covered by insurance for an ER visit last year. I work for the hospital and thought it was supposed to be written off. The hospital part waswritten off but the ER physician part wasn't. I got a dunning letter and new collection last month on equifax. I tried the new Pre-Hippa letter but equifax said the nature of my dispute was unclear. I was going to re-do it and then a dunning letter came today from a law firm. I have been trying to get the hospital to help me built looks like I'm stuck. Do I pay this law firm to avoid a judgment and just get the paid collection? Is it too late for the hipaa process? The bill is 380 dollars so I can pay it.

Thank you. I meant to post it there.

This is from my portion not covered by insurance for an ER visit last year. I work for the hospital and thought it was supposed to be written off. The hospital part was but the ER physician part wasn't. I got a dunning letter and new collection last month on equifax. I tried the new Pre-Hippa letter but equifax said the nature of my dispute was unclear. I was going to re-do it and then a dunning letter came today from a law firm. I have been trying to get the hospital to help me built looks like I'm stuck. Do I pay this law firm to avoid a judgement and just get the paid collection? Is it too late for the hipaa process?

Yea! I think that's their m.o. Ignore the rules and hope no one calls them on it. I think they were sued in Texas behind the TFC. Great going.

Thx. I will do that

Great advice from ICAN.

So that basically sums it up. I had a paid charge off from 2009 and got an oasis card. I tried a goodwill letter and they put a consumer disputes this account comment on my credit reports. I figured it wouldn't work but that was annoying because I will have to get it removed before applying for a mortgage.

If Northstar isn't reporting, there's no point to DV them. BOA is reporting so you have to contact them. You could dispute with the CRAs and then do a 623 dispute when it comes back verified. But I did this and BOA sent me a boatload of paperwork verifying. I tried goodwill later own but that didn't work. If its from 2006, it should be coming off anyway so you can just try a dispute saying its obsolete.

I had the same probablem with a 624 dispute. The problem is that some OCs will just ignore them and then you would be forced to sue to get any action.

You have to start from the basics. Get your credit reports. Opt out. Delete addresses. Then like psychdoc talks about triage your baddies on your credit report depending on what type of accounts. Then you go from there. Probably starting with disputes to the CRAs. Yes, psychdoc talks about how a lot of his derog accounts were also paid but you can still work on them.

So I received results from equifax. The account was verified. I checked the back door on experian. The one CA reporting only on experian says this account is under current investigation. There are no notations about the other CA account. The one that was listing on all three but deleted by TU and verified by equifax. I think I will type my medical DV letter up next once I get the official results from Exp.

Yea! Credit repair can get frustrating at times. So I was so excited when I opened my mailbox today and received a letter from EOS-CCA closing my account and deleting the info from the CRAs. Basically, they called me three years ago about an old cellphone bill. I Texas DV'd them then never heard anything again. Then they placed the account on my credit report and started calling and sending letters this year. So I sent a letter showing my previous corespondence and listing both the Texas and Federal violations and gave them ten days to respond before going to my attorney. At least I have one down. Gotta keep my nose to the grindstone for the other baddies.