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  1. Yes to the CRA mailing address on your reports. Yes sign them.
  2. If you are SURE that EX and TU are still reporting the account as unpaid then you can proceed to the next letters. INSTRUCTIONS FOR FOLLOW UP TO "HIPAA" LETTER TO ORIGINAL CREDITOR HEALTH CARE PROVIDER ALL FURTHER CORRESPONDENCE SHOULD BE SENT CMRR 1- Make sure any money order has been deposited ,or you have received a return receipt from your letter if insert "b" or "c" were used. 2- Send the follow up letter posted below. 3- Send a copy of the follow up letter to the OC (legal dept) with the cover letter,(follows letter to CRA) 4- If the CRA responds with verification from the CA or the OC, file a complaint with the HIPAA administration for the OC's , the CA's and the CRA's violation of the privacy rules of HIPAA,and with any available State's Medical Privacy Act administration. If they do NOT respond with any verification and the account is NOT deleted, file a civil suit against the OC and the CA for their liability for violations of the FCRA and FACTA. 5- DO NOT under any circumstances, write or correspond with the CA regarding this matter, any correspondence or communication that YOU instigate, while not a waiver of your privacy rights under HIPAA, will impede any cause of action you might have as the non permitted "communication" would have come from YOU. Please understand, that any CA or CRA now has FULL liability under HIPAA, even if they are NOT the health provider and/or have no business relationship with them. They are NOW covered under the provisions of the act for all medical accounts", they are now also subject to the the penalty rules of the HITECH Act as issued 11/30/2009. if THEY violate, they can also be named in ALL your filed complaints. Letter To Cra After HIPAA Letter, send CMRR Use this AFTER you have received the green card back and received verification that any money order has been deposited (if using insert "a") To Equiexptu Sirs; This is a dispute of account information on my credit report, (report #) MAKE SURE THAT THERE WAS NO CHANGE.YOU MAY NEED TO GET NEW REPORTS TO VERIFY IF YOU ARE RELYING ON 3RD PARTY REPORTING SERVICES LIKE KREDIT KARMA Please re-investigate (or investigate if you have not previously disputed) the following disputed account on my credit report. (give CA name and acct. #) Please furnish me with verification that (CA name) is reporting this account from (OC name) for ($ amount) in my name. I require the identification of the reporting party and the date of their verification. I require documentation of the authorized HIPAA business relationship between (CA name)and (OC name) and documentation of your authorized HIPAA business relationship between yourself and either ( name of CA) or (name of OC). Please be advised that this request is being made in accordance with the requirements of the FCRA and FACTA and the privacy rules of the HIPAA and (your State)'s Medical Privacy Act. Please be advised that you are subject to the penalty rules of the HITECH Act as issued 11/30/2009 and Omnibus Final Rules effective 09/23/2013. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices.( Section 1031 of the Dodd-Frank Act ) Sincerely, Ido N Tnow (Send a copy to the HIPAA Compliance Dept. of the OC health provider(CMRR) with the following cover letter) Cover Letter Your Name Address HIPAA Compliance Office OC Name Address Re: Letter of (date of original letter) Account #(original account #) Dear Sir or Madam; Enclosed please find a copy of my letter(s) of dispute to (CRA (s)). Please note, I am providing you with an additional opportunity to have this account removed from (CA) and deleted from my credit reports if you have not already done so. I have no desire to cause you unnecessary difficulty,however,this entry of my private health care information,on my credit report, for an account that no longer has ANY permitted business purpose waiver since there is NO payment due, has caused injury to my credit reputation,and has left me no choice but to proceed with the following: Upon my receipt of the FCRA and FACTA mandated reply from (CRA),if the account has NOT been deleted in its entirety,I will take appropriate action to enforce my rights under the HIPAA, FCRA and FACTA rules and ARRA , including the penalty rules of the HITECH Act as issued 11/30/2009 and Omnibus Final Rules effective 09/23/2013. and (your State)'s Consumer Protection and Medical Privacy statutes. Sincerely,
  3. Yes, sorry-- "senior moment" do include the follow up dispute as stated.
  4. Send the initial dispute letter to Ex. The instructions do NOT say that you should only send the dispute IF the old addresses were deleted. Address deletions are helpful but not essential.
  5. When did the CRAs receive your initial dispute?? If it has been less than 2 weeks since they RECEIVED it then wait another week. Are you saying BOTH accounts are on all 3 reports-or just 1 account. Send the medical DV to the CA for all 3 CRAs and send the follow up disputes to all 3. Don't worry about deleting addresses from Ex.
  6. Send the medical DV to the CA and the follow up dispute to Eq. https://whychat.me/ltrcavalhipaa.html https://whychat.me/ltrcavalhipaa.html#DISPUTE (It isn't on any other report??)
  7. Another reason to NEVER pay a RED CENT to any scum scam CA. Try this; https://whychat.me/GUIDEBOOK.html https://whychat.me/SOL PROGRAM GUIDE.html Your initial dispute letter to the CRAs MAY get you a deletion. If not, you can go on to the next stage. ( I hope you didn't SIGN a settlement agreement with the CA. If you did you not only are left with a "settled" derogatory, but a NEW starting date for that entry which will make your credit score WORSE)
  8. There is no "follow up dispute" in this case. You send a copy of your filed CFPB complaint to each CRA as soon as you have filed the complaint. ( Make sure you save each complaint before clicking send as you will not be able to make a copy) You should get an acknowledgment of the filing which you can cut and paste to the copy of the complaint.
  9. What was the date of hospital service?? Were you insured?? If so do you have or can you obtain your EOMBs ( explanation of medical benefits) from your insurance Co.? Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html The initial letter to the CRAs ( credit reporting agencies) should get it deleted. https://whychat.me/hipaadisp.html If not come back to this post for further instructions.
  10. file a complaint against Experian and TU with the CFPB.( 2 separate complaints) https://www.consumerfinance.gov/complaint/ FILE A CFPB COMPLAINT Print out your complaints BEFORE clicking enter. Your complaint should list the actions you have taken,( with dates for each) i.e. filed a proper dispute on an account,(give account # and name of OC) contacted the reporting OC with a dispute and request for validation on this unknown account. Equifax properly investigated and deleted this unknown account. (Experian's) ( Transunion's) refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA. Send a copy of the complaints with another dispute to each CRA. Make sure that your follow up dispute to the CRA is addressed to their compliance dept. sent CMRR and includes this phrase; "I reserve the right to take further action including filing appropriate complaints with the FCRA for violations of Title X of the Dodd-Frank Act, and related regulations which include a ban on “Abusive” Acts or Practices. In addition I reserve the right to file civil actions against you for slander of credit.
  11. I am so sorry for your loss and for the terrible care she received from the hospital administration. I assume she was fairly young--( under 65 ) and had never applied for ANY social services?? Don't worry about anything being "seized" but be very careful to NOT put anything of value in your father's name or sign any responsibility for any of his obligations.
  12. No they can't force a sale of your father's house. No they can't legally collect a dime from your father. Yes you can stop the harassment. Your mother was likely covered under SOME kind of insurance, medicare, medicaid etc. See if there are any records of what was paid. Have your father do this; https://whychat.me/GUIDEBOOK.html Obviously he doesn't need to delete old addresses or get an MIB report. If he is being called or written to by CAs trying to collect FROM HIM for your late mother's medical accounts, have him send any one that has communicated with him in any way this. https://whychat.me/ltrcavalhipaa.html There should be NO accounts on HIS reports for your mother's medical bills unless she was insured under an insurance policy carried by your father. IF there are ANY such entries, and IF she was covered under his insurance then legally he MAY be liable for unpaid co-pays or deductibles. If so, have him get the EOMBs ( explanation of medical benefits) from his insurance. He still can not be sued for any valid bills unless he has other assets such as other real estate (not his home) or bank accounts that were not derived from pensions, SS or insurance proceeds.
  13. Contact your insurance Co. and get your EOMB ( explanation of medical benefits) . It is more than likely that the OC hospital did not correctly code your claim. OR it is also possible that your insurance DID pay and the CA dunning you is a JDB ( junk debt buyer). In any case, the medical DV letter to them will probably get rid of them, or provide you with better data about whether or not it was properly submitted to your insurance.
  14. When you visited the ER did you tell them you were uninsured?? Did they offer any financial assistance?? DID you have ANY insurance coverage?? Perhaps under your parent's insurance policy? If your family was under the poverty line they may have been covered under medicaid which would have included you until you are 26 while you are living at home or in school. Meanwhile, follow this guide ( you don't need to delete old addresses) https://whychat.me/GUIDEBOOK.html Send the CA this: https://whychat.me/ltrcavalhipaa.html
  15. DO NOT PANIC!! What "package intercept"?? How old is the account?? (Date of medical service) Don't worry about the 30 day notice Are you ABSOLUTELY SURE you owe this account?? Were you insured?? If so get a copy of your EOMB ( explanation of medical benefits) from your insurance Co. Follow the guides; https://whychat.me/GUIDEBOOK.html check your reports carefully for any errors. If you haven't moved since the date of service do NOT delete old addresses https://whychat.me/GUIDE HIPAA PROGRAM.html If the account is VERY RECENT ( within the past 2 years) and your EOMB indicates that you actually owe the OC ( original creditor health care provider) the amount demanded, AND your own bank and credit card records do NOT show that it was paid at the time of service or shortly after, then you can pay the OC with the HIPAA letter insert "a". If the date of service is more than 2 years ago then it is very likely you are being scammed by a JDB (junk debt buyer) These lowlifes pop up when folks are in the process of applying for a mortgage. They do NOT get the account data from the OC but from a data miner who buys your account data from the CRAs (opting out will help prevent this) If you are not sure if you owe the $ and the CA who sent you the letter gave you the standard 30 days to respond, send them this ( even if it is more than 30 days); https://whychat.me/ltrcavalhipaa.html
  16. Unfortunately,if it is changed to a "paid" collection it will LOWER your score, not raise it because while it would still be showing as a derogatory entry it would be updated to the more recent date. This is why we have instructed you to follow the guides to try to get it totally deleted. If it has become a "paid" collection and the initial dispute letter doesn't work to get it deleted then you would have to go to the next step in the HIPAA letter program.
  17. Hard to tell. Follow the guide ( you obviously don't have to delete old addresses) https://whychat.me/GUIDEBOOK.html If it is ONLY reporting to TU and if the account is still there OR if it has been changed to a "paid" collection, then send TU the initial dispute letter; https://whychat.me/hipaadisp.html from the HIPAA program https://whychat.me/GUIDE HIPAA PROGRAM.html If it has been removed in it's entirety and there are no other issues, then you are OK If it pops up on other reports , then you will have to send the initial dispute letter to those CRAs Opting out will help prevent JDBs ( junk debt buyers) from resurrecting this account to poison your reports in future years.
  18. NO, you can NOT use reports from MyFico or any other 3rd party reporting/monitoring service. NO, you should not try to have anything "deleted" from your reports prior to using the HIPAA letter program. Get your up to date reports. It MAY cost you a few $ to get them (without scores it is about $10.) but it is worth it. If you have been turned down for credit you can call each CRA and ask for a free credit report to be mailed to you. Make sure you KEEP your REAL credit reports for at least 3 years each time you get them. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Once you have your REAL credit reports you can send each CRA the initial dispute letter; https://whychat.me/hipaadisp.html List ALL medical accounts as they appear on the report you are disputing
  19. Your EOMBs should show what was billed, what was allowed, what was paid and how much is left as patient responsibility. If the codes do not include any reference to the $505. charges then you need to see exactly who the bill is from. If it is from the hospital, then call your insurance Co and find out if there is another EOMB outstanding. If they don't have anything then IN THIS CASE and ONLY if the bill is FROM THE HOSPITAL call the hospital billing dept. and ask what it is for and make sure that your account data did NOT get mixed up with someone else,OR someone else used YOUR SS# and insurance info for their own admission. If the bill is NOT from the hospital then send the party that sent it to you this;(use mailing instructions from the guide linked below) Your Name 123 Your Street Address Your City, ST 01234 ABC Collections 123 NotOnYourLife Ave Chicago, IL Date: _________ PM#____________ Re: Acct # XXXX-XXXX-XXXX-XXXX To Whom It May Concern: This letter is being sent to you in response to your attached letter. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt,the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of: Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities , I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, Your Name(PRINT OR TYPE DO NOT SIGN) Meantime follow this guide https://whychat.me/GUIDEBOOK.html Come back to this post for further instructions once you have completed the appropriate steps above.
  20. I misunderstood about the Chase CL of $5000 being your mom Centex and not the OP's Grandmother. I also appreciate that your experience in handling an estate was trouble free. HOWEVER, the OP's grandmother is apparently one of the many women whose husbands handled all of the financial affairs and therefore (IMO) should not have unsupervised access to a line of credit without safeguards. Perhaps the OP should have her as an AU on one of her credit cards. Being an octogenarian myself I counsel many seniors who are sudden widows and see first hand how easy it is for them to become victimized.
  21. The real question is SHOULD SHE rather than CAN SHE. If she wishes to use a card for on line or in person transactions rather than cash, she should get a debit card from wherever her bank account is, . If she was given a $5000 credit limit on a Chase Amazon card then what in the world would she want to use another higher limit card for?? Limiting her availability to higher credit limits would expose her to all sorts of future problems from scammers and thieves who will try to take advantage of her when her husband dies. In addition, when SHE joins her husband whomever her executor of her estate is will have unnecessary additional problems.
  22. The legal SOL as well as the 7 year obsolescence period for your credit reports starts from date of service. Are you sure there are no other errors on your reports?? Double check. Have deleted addresses come back on to your reports?? Have you recently applied for a mortgage?? Make sure you are opted out as youmay have accidentally been opted back in again. Yes, start over; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html https://whychat.me/hipaadisp.html
  23. Follow the guides https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Send each CRA where these OR ANY medical accounts are reporting this; https://whychat.me/hipaadisp.html
  24. OK, send the medical DV and the follow up dispute to the CRA. In the follow up dispute add that this CA has reinserted illegally for the 2nd time and that you are reporting the CRA and the CA to the proper authorities for this second offense. Enclose a copy of the complaint in both your medical DV and the follow up dispute. file a CFPB complaint against the CA and against the CRA ( 2 separate complaints) cross reference in each complaint. Provide the time line for all the prior activities and cite the contents of each letter. https://whychat.me/hipaaftccomp.html

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