Search the Community

Have been following the WhyChat hipaa process for a couple of medical collections which showed up on my reports. #1 - $216 which showed on Experian only #2 - $40 which showed on Experian and Equifax These are my ONLY medical collections. In December, I opted out, deleted old addresses (Successfully) and drafted the initial letter to the CRA's regarding these 2 account. I copied the sample letter (verbatim, changing only my specifics) in handwritten cursive and sent them certified, no return receipt. They were received on Jan 3, with near immediate deletion of the $216 collection from Experian, as well as the $40 deletion from Equifax. This leaves only one account visible on one CRA (Only the $40 collection on Experian, which shows "Pending") I'm obviously hoping that the $40 account deletes as well before the 30 days has expired... Here's my question, I received the following response from experian the other day, not really sure what to make of it. (See below, I've redacted the personal info). http://i1317.photobucket.com/albums/t632/bmh75/ExperianResponsetoWhyChatletter1_Redacted_zpsae384173.jpg~original On one hand, it states neither intent nor refusal to delete - and as of this morning the sole remaining $40 account still displays as pending. I'm taking it as "you asked for too much and this is us saying we aren't interested in supplying the info you requested". That being said, both the remaining account and the one experian deleted were included on the same initial letter. Anything to be concerned about or address in any way before the initial 30 day period has elapsed? If not, I'm going to wait it out and proceed with step 2 of the WhyChat method. Thanks for the input! (and thanks for the help, WhyChat the single deletion which has already occurred has had a major impact on my credit score!!! )