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Why Chat

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  1. How long has it been since you sent the medical DV to the CA and the follow up dispute to Experian?? You started this thread Dec. 9 and said you had sent the dispute ( was it from the HIPAA letter program?) then.
  2. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html It doesn't matter if the CA has misspelled your name. What matters is how it is reporting. Check your reports carefully for discrepancies on different spelling of your name, unknown addresses or alternate SS #s You say you believe the medical account is valid?? What was the date of medical service?? Send the CRAs the initial dispute letter; https://whychat.me/hipaadisp.html If it is NOT on your reports and is VERY RECENT ( within the past 2 years) and you have an EOMB ( explanation of medical benefits) from your insurance that matches their claim, the come back to this post for instructions on how to properly pay it directly to the OC
  3. Why Chat

    Why Chat - next steps?

    Wait another 10 days. If you do not get a deletion from 1 or more of your reports send the CA the medical DV and send the CRA(s) the follow up dispute.
  4. Send the medical DV to the CA for BOTH CRAs. Send the follow up dispute to both.
  5. Why Chat

    Why Chat - next steps?

    If the delivery information says "arrived at PO" and it was addressed to a PO Box then it was delivered. As to your Eq credit monitoring account. If you have access to your current report see if the account is marked "consumer disputes". If you don't have access to a current report, go on to the Eq website from another computer and click on file a new dispute. Follow the instructions. You will not be actually filing a new dispute so it is OK to say you will get results via e-mail. This will bring up your current report. ( this is known as the "back door" and you can't use it on a computer where you have logged in to the website on your account as the "cookies" will automatically prevent you from seeing the results of your mailed dispute)
  6. Why Chat

    WhyChat I need Help!!!

    Contact your insurance Co. Get your EOMBs. They are required to keep records for 5 years. If your EOMBs indicate that the accounts are valid ( co-pays etc.) then you can pay the OC directly with the HIPAA letter insert "a". https://whychat.me/hipltr.html
  7. Wait for a response from Experian as you may need to send the CA a medical DV for both CRAs. As to SOL-- you said in a previous post "the last time I disputed anything would have been back in 2014 so this has to be out of SOL if it is mine.". What has changed??
  8. Why Chat

    WhyChat I need Help!!!

    I can not find any previous posts you made on this issue. You say you followed directions EXACTLY?? Did you follow ALL the steps in the guides? https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html You opted out and deleted old addresses ?? You sent the initial dispute letter to the CRAs? https://whychat.me/hipaadisp.html When they refused to delete you sent the reporting CA the medical DV? https://whychat.me/ltrcavalhipaa.html and then sent the follow up dispute to the CRAs? https://whychat.me/ltrcavalhipaa.html#DISPUTE What is the date of medical service on these accounts?? Were you insured?? And if so do you have your EOMBs (explanation of medical benefits) from your insurance Co.?
  9. Follow the guides https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send the initial letter to the CRAs https://whychat.me/hipaadisp.html Come back to this post with your results
  10. Just a short note referencing the copy of the complaint enclosed
  11. If this was recent, (within the last year) Have your wife pay the Doctor's office directly with either cash, or a bank check ( NOT a personal certified check) or a direct debit in person ( not over the phone) make sure the payment is credited to the physician's office and not to the CA. OR mail a bank money order payable to the Dr. together with this abbreviated letter. (follow the instructions ) https://whychat.me/hipltr.html Please make sure that your payment is in the form of a bank cashiers check or bank money order,(do not use a postal money order). THIS IS CONSIDERED THE SAME AS A CASH PAYMENT, that you make a photo copy of the front and back of the remittance, that your name and address are CLEARLY printed on the remittance, that it is made to the order of THE ORIGINAL HEALTH CARE PROVIDER, and that you print or type clearly in the endorsement section "For Deposit Only to the Account of (name of H.C. provider) (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 ($___): Your furnishing of my account information to (collection agency name), is not in compliance with HIPAA since it was due to your office's billing errors, and any subsequent reporting of this account on my credit reports to credit reporting bureaus is a clear violation of Public Law 104-191 ("HIPAA") since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.In addition the new Omnibus Final Rule states:when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information.This letter serves as that instruction You are required under the FCRA and FACTA to accurately report the status of any account to the credit bureaus, and you are prohibited under the HIPAA and State privacy regulations from doing so on a PAID account, as there is no longer any permitted business purpose. Enclosed please find my remittance of ($___) for payment in full of this account. Please note, my remittance is payable ONLY to (hc provider) and may not be signed over or transferred to any third party collection agency, as this would constitute an additional violation of HIPAA, State Privacy Act rules and the Omnibus Final Rules. 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. Please respond, in writing within 10 days that you are processing this request and have corrected my address in your records. 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. Signature In addition both you and your wife should opt out to prevent future poisoning of your reports by JDBs ( junk debt buyers) https://whychat.me/GUIDEBOOK.html Once you have paid the Dr. ( or if it is older than a year) follow ALL the instructions to get it off your reports; https://whychat.me/GUIDE HIPAA PROGRAM.html Send each CRA this; (list all medical accounts as they appear on the report you are disputing) https://whychat.me/hipaadisp.html Come back to this post for additional assistance
  12. This account is NOT from a JDB but from the CA the account was first assigned to. If you pay an account that has been sent to collection to the OC (doctor) they report it as paid to their collection agency. The HIPAA letter program has a way around that, but in your case the damage was done so we will help you get it off your reports. Follow the guides; Opt out, you do not need to delete old addresses https://whychat.me/GUIDEBOOK.html Send each CRA the initial dispute letter. List ALL medical accounts as they are reporting on the report you are disputing. https://whychat.me/hipaadisp.html If any CRA does NOT delete, send the reporting CA this; https://whychat.me/ltrcavalhipaa.html#PAID And then send the CRA this https://whychat.me/ltrcavalhipaa.html#DISPUTE
  13. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Is it only reporting to TU? The CA is not "breaking the law" The doctor's office likely did a "data dump" and your account data was picked up by a data miner who sold your account information to a JDB (junk debt buyer). If it is only reporting to TU and they do not remove the account then send this letter to the CA https://whychat.me/ltrcavalhipaa.html and then send the follow up dispute to TU https://whychat.me/ltrcavalhipaa.html#DISPUTE Check all your reports carefully for any discrepancies such as unknown addresses, alternate spelling of your name or alternate SS#s. If this or ANY other medical account is on ANY of your reports, send THAT CRA the initial dispute letter listing ALL medical accounts; https://whychat.me/hipaadisp.html
  14. Is this remaining account the same as the one you received the letter on from the CA?? If not, when you sent the medical DV to the CA did you reference BOTH accounts? If it is a different account than the one the CA said they were sending back to the OC and you referenced the account in your medical DV then you need to file a complaint against each CRA with the CFPB. https://whychat.me/hipaaftccomp.html YOU MUST PRINT OUT A COPY OF EACH COMPLAINT BEFORE SUBMITTING IT Send a copy of both filed complaints to the CA( put in the file # on each letter) along with a short cover letter stating that you are in receipt of their rescission of account # xxxx but that they are in violation for continuing to report account # xxx and that you will file a complaint with the CFPB against them if they do not immediately delete this 2nd account. Say that you also reserve the right to take civil action against them for slander of credit
  15. Why Chat

    Why Chat - next steps?

    DO NOT contact the hospital. Your account has long since been archived and is not in their accessible current computer records. THAT IS WHERE IT SHOULD STAY!! Don't worry about getting your EOMB, if you can get it fine, if not don't worry. It is obvious ( to me) that this is a JDB ( junk debt buyer) who obtained your records from a data miner and NOT from the OC hospital. Be patient and wait for the results of your disputes.

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