Question for Whychat - sending in utility bill to CRA's - Do I block out acct numbers???

[Kles]

Hello WhyChat!

 

I live in NJ and if I am not mistaken have been fully covered for HOSPITAL since 2008 - these bills appear to be from 2009 and 2010.

 

I have opted out & I am now sending in my PSE&G bill, ID, & SS to the CRA's for address deletions - On the bill should I white out the account numbers?

 

In your HIPPA guidebook I saw that I should get an Explanation of medical benefits from the insurance company (when i call do i ask for specific time frames to coordinate with the collections below?) - OR should I first send out the "PRE HIPAA MEDICAL DISPUTE LETTER TO CRA"??

 

I honestly do not recall getting these services - I'm thinking they were for my toddler - but either way we both have insurance. Is there a time frame as to when insurance NO LONGER has to pay?

 

Here are the 3 Medical Collections that appear on all 3 CRA's:

1) HEALTHCARE FUNDING SLTNS LLC

Address:
4340 S MONACO ST UNIT 2
DENVER, CO 80237
(303) 296-3345

Original Creditor:
Hospital

Status:
Collection account. $825 past due as of Jan 2013.

Date Opened:
12/2009
Reported Since:
02/2010
Date of Status:
02/2010
Last Reported:
01/2013

Type:
Collection
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit/Original Amount:
$825
High Balance:
NA
Recent Balance:
$825
Recent Payment:
$0

Account History:

Collection as of Feb 2010 to Jan 2013

2) HEALTHCARE FUNDING SLTNS LLC

Address:
4340 S MONACO ST UNIT 2
DENVER, CO 80237
(303) 296-3345

Original Creditor:
Hospital

Status:
Collection account. $550 past due as of Jan 2013.

Date Opened:
03/2010
Reported Since:
06/2010
Date of Status:
06/2010
Last Reported:
01/2013

Type:
Collection
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit/Original Amount:
$550
High Balance:
NA
Recent Balance:
$550
Recent Payment:
$0

Account History:

Collection as of Jun 2010 to Jan 2013

 

3)

HEALTHCARE FUNDING SLTNS LLC

Address:
4340 S MONACO ST UNIT 2
DENVER, CO 80237
(303) 296-3345

Original Creditor:
Hospital

Status:
Collection account. $788past due as of Jan 2013.

Date Opened:
06/2010
Reported Since:
09/2010
Date of Status:
09/2010
Last Reported:
01/2013

Type:
Collection
Terms:
1 Months
Monthly Payment:
$0
Responsibility:
Individual

Credit Limit/Original Amount:
$788
High Balance:
NA
Recent Balance:
$788
Recent Payment:
$0

Account History:

Collection as of Sep 2010 to Jan 2013

 

Any help from WhyChat & CB is greatly appreciated with many many thanks in advance!

 

[Why Chat]

No there is no reason to blank out your account #s on your utility bills.

 

Send out the initial dispute letters to the CRAs after getting the address deletions.

 

If you have NO copies of your EOMBs ( in the future you should keep them for at least 3 years), contact your insurance and ask for copies for the past 4 years of all your EOMBs.

[Kles]

Thank you very much!!! I will be calling for EOMB's 1st thing Monday morning! Will also be sending out address deletion requests via CMRR - sending out copies of the PSR&G print out is ok right? I have paperless billing.

[Why Chat]

OK

[Kles]

Thanks again - wanted to make sure because the guide book says original.

[Kles]

Hi WhyChat - In my case I have 3 medical collections(listed in original post) being handled by the same CA but for 3 different hospitals.

Do I have to hand write 3 different dispute letters to the CRA's ? - For a total of 9 letters?

[Why Chat]

Follow the directions:

 

http://whychat.5u.com/hipaadisp.html

 

You LIST ALL MEDICAL ACCOUNTS as they appear on the report you are disputing, like this:

 

I have no knowledge or records of the following account(s) on my report # xxxxx. # xxxxx from xxxxxx # xxxxx from xxxxxx # xxxxx from xxxxxx

[Kles]

Thank you once again ( & again)

 

This may seem like a dumb question but I want to be sure this gets done right. The majority of negs on my report are medical.

 

after the account number in:

 

I have no knowledge or records of the following account(s) on my report # xxxxx.

# xxxxx from xxxxxx <<<< Is this the Hospital or CA?

Edited February 26, 2013 by Cakkie

[Why Chat]

You are disputing the account on your credit report. You provide the account # and name of the reporting CA as it shows on the report you are disputing.Only YOU can see the name of the OC on your report, everyone else just sees "medical account" and the name of the CA

[Kles]

Again WhyChat THANK YOU !!!

 

I hope this is the last question I have to ask you & I pray you don't tire from us asking!!(CB needs you) ! LOL

 

Can I put yellow legal paper in my printer , using teal script font for the above mention dispute letter? I have HORRIBLE hand writing

[Why Chat]

No, that will not work. You can either import a watermark onto your paper, ( see the sample) or buy a package of paper with a background design ( cloud printed paper is easiest to find) and use a color of font in "script" type face that blends with the background. The blue lined legal pad paper is good for handwritten, but will not fool the automated scanners as it is too consistent to be used with any computer generated script.

 

http://whychat.5u.com/hipaadisp.html

[Kles]

I tried the watermark but for some reason when I put it at 500% it didn't print right.

 

Clouds as in this? http://www.discountofficeitems.com/office-supplies/paper-pads/cards-stationery/printed-stationery/geographics-design-paper-clouds-24lb-letter-sheets-pack/p69662.html?source=adwords&utm_source=rkg&utm_medium=none&utm_campaign=non-brand&ref=adwords&gclid=CJ6FgNOh37UCFY6e4AodiEwAeA

[Why Chat]

Yes, make sure you use a light blue script font that you have to look at closely to read because the color blends into the pattern.

 

( hand address the envelope in regular ink so the PO scanners can read it)

[Kles]

With my luck They will be sending back saying unable to read! LOL

 

It's been almost 2 months and only Equifax has deleted addresses. Does one continue HIPPA without getting address delations?

 

Oh and from reading the many helpful posts on CB, sometimes disputes come back as not enough info to verify the person sending. So maybe i can send a copy of id and social???

[Kles]

Hi Why Chat ,

I mailed in the cloud printed stationary to Equifax and the USPS websites lists delivery as 3/7/2013 at 3:55pm. I have received nothing from them so i decided to log in the back door method and there was a dispute listed for March 7 & March 8. They both indicated ready and when I clicked them they both say

 

"The Results Of Our Reinvestigation

>>> We have reviewed your concerns and our conclusions are:

Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute"

 

What do I do now? Resend the HIPPA dispute?

[Why Chat]

Hi Why Chat ,

I mailed in the cloud printed stationary to Equifax and the USPS websites lists delivery as 3/7/2013 at 3:55pm. I have received nothing from them so i decided to log in the back door method and there was a dispute listed for March 7 & March 8. They both indicated ready and when I clicked them they both say

 

"The Results Of Our Reinvestigation

>>> We have reviewed your concerns and our conclusions are:

Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute"

 

What do I do now? Resend the HIPPA dispute?

You should have waited for the written response instead of getting put into the on line computerized dispute system. . Had you disputed before on line?? If not why does it say "Reinvestigation"??

 

Is Equifax the only CRA you have disputed??

[Kles]

For every dispute with equifax it says "re-investigation" . & no not online. The address dispute was done with regular mail. & the letter sent in response to that addy dispute said " re-investigation".

 

I sent the Hippa dispute to transunion as well.

 

The 3 medical accounts are on all 3 reports. But experian has still not deleted previous addresses so that is the one I have yet go mail out.

[Why Chat]

Wait until you get a mailed response before posting back here for further instructions. The automated responses either on line or "quicky" mail responses are not valid.

[Kles]

Ok Thank you.

[Kles]

Hello Why Chat - I checked my PO BOX today and there was a letter dated March 13, 2013 saying the same thing

"The Results Of Our Reinvestigation

>>> We have reviewed your concerns and our conclusions are:

Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute"

[Why Chat]

Hello Why Chat - I checked my PO BOX today and there was a letter dated March 13, 2013 saying the same thing

"The Results Of Our Reinvestigation

>>> We have reviewed your concerns and our conclusions are:

Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute"

When you sent the initial dispute did you follow the format in the link?

http://whychat.5u.com/hipaadisp.html

 

did you fill in the data regarding the account #s and names of the CA??

[Kles]

Yes. Word for word. In italic light blue script font to match the cloud stationary

I listed the 3 account numbers exactly how they appread on the report.

[Why Chat]

What was the response from TU?? Send out the dispute to Experian even if they did not delete old addresses.

 

If TU does not delete and you get a similar response from Ex, then the next step is to send the medical DV to each CA, one letter for each CRA they are reporting to, mailed in the same envelope. ( wait until you have your response from Ex and TU)

 

http://whychat.5u.com/ltrcavalhipaa.html

 

You then send the follow up dispute to each CRA as soon as you have proof of receipt.

 

http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE

[Kles]

Transunion received the dispute on March 15 @ 10:15am, to date I have received nothing from them. I have the Credit Check Munitioning from USAA & the 3 medical accounts are still showing.

 

I will mail out the dispute to Experian tomorrow.

 

For the Medical DV to the CA, I list all 3 accounts in one letter? Because there is just one CA (HEALTHCARE FUNDING SLTNS LLC) with 3 accounts reporting on Each credit report.

 

In your link it says "make sure the account #'s match the report" In the letter I wrote to Equifax I typed in XXXX as the last four digits because that is what was listed on the report. Do you think that is why they sent that reply?

[Kles]

bump