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  1. Is it still on any CRA report?? If so did you send the follow up dispute to the CRA? https://whychat.me/ltrcavalhipaa.html#DISPUTE
  2. The instructions clearly state that after opting out and deleting old addresses you need to send the initial dispute to the CRAs. IF as a RESULT of the initial dispute to the CRAs the account is NOT deleted AND you get a response from the reporting CA as a RESULT of the initial dispute to the CRAs it MAY be an indication of a current business relationship. However, if there is ANY discrepancy in the account where it doesn't match your EOMB for that service AND the response from the CA does not accurately match your data then you should still send the medical DV especially if the date of medical service is over 2 years ag.
  3. "Obviously from your program I have learned that they have a current relationship with the OC," ?? Exactly HOW did you determine the reporting CA has a current business relationship with the OC?? What was your response to the initial dispute letters to the CRAs?? https://whychat.me/hipaadisp.html If verified, what was the result of the medical DV to the CA https://whychat.me/ltrcavalhipaa.html and the follow up dispute to the CRAs https://whychat.me/ltrcavalhipaa.html#DISPUTE
  4. Try this; https://whychat.me/GUIDEBOOK.html https://whychat.me/SOL PROGRAM GUIDE.html
  5. No don't change anything. That phrase is designed to comply with the automated instructions you would have received if you had disputed on line.
  6. I repeat-- follow the guides https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send the CRAs where the account is reporting this; https://whychat.me/hipaadisp.html If you received a collection letter from a CA but it is NOT reporting, send them this; https://whychat.me/ltrcavalhipaa.html If you have disputed with TU and the account is showing as "closed/paid" then send the reporting CA this; https://whychat.me/ltrcavalhipaa.html#PAID
  7. Follow the guides; https://whychat.me/GUIDEBOOK.html Check all your reports very carefully for misspelling of your name, unknown addresses and/or alternate SS#s https://whychat.me/GUIDE HIPAA PROGRAM.html Send the CRAs the initial dispute letter; https://whychat.me/hipaadisp.html Check your EOMBs ( explanation of medical benefits) for any paid bills relating to the dates of services referred to. Ordinarily medical bills that are delinquent can not be reported until 6 Months past the date of service. It is possible that these are either not yours, or have already been paid by your insurance or are from a JDB ( junk debt buyer) who is poisoning your reports because of your mortgage applications.
  8. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send the CRAs where the account is reporting this; https://whychat.me/hipaadisp.html If you received a collection letter from a CA but it is NOT reporting, send them this; https://whychat.me/ltrcavalhipaa.html They can not file suit for an account that they have not been originally assigned by the OC hospital. Ask your attorney to send you copies of the paid bills.
  9. If you pay the CA you are setting yourself up with a BIG "KICK ME" on your back. Your data as an easy chump will be passed around to all the scum scam JDBs who will continue to try to harass you with whatever old accounts they can dredge up.
  10. The post office has had some considerable challenges over the past Month. Send the medical DV to the "new" CA. https://whychat.me/ltrcavalhipaa.html
  11. Experian likes to stir things up. Just follow the guides. It is possible that your dispute created at least one of these "flags". I assume you are signed in to Experian which is why ANY activity on this JBD account gets "flagged".
  12. Follow the guides. If the CRAs do not delete you go to the next step which is the medical DV for accounts reporting as paid. https://whychat.me/ltrcavalhipaa.html#PAID
  13. If this was a medical account Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send Experian this; https://whychat.me/hipaadisp.html It is more than likely that the account is being reported by a JDB ( junk debt buyer) who obtained your data from a data miner. If you opt out you can help prevent these scum from poisoning your reports when you are in the midst of mortgage refinancing or application.
  14. And what was that "max amount"?? Was it 20% of what was allowed by Medicare?? Is it the same amount that is on the CA account?? Had you met your annual deductible?? In any case, follow the directions and come back to this post after you get a response from the CRAs to the initial dispute letter.
  15. OF COURSE you get EOMBs from Medicare. They are called Medicare Summary Notices. They send them out about 45 days after they are processed. Go on line or call Medicare and ask them to send you copies of your notices for the time period.

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