remove paid medical collecton HIPAA

[wave]

I have a medical collection that was paid to the original creditor.

I have been using Lexington law to remove paid collection they have been unable to do so.

 

Previous to Lexington law, I hired an attorney to remove this collection and another medical
collection. The attorney removed the other collection and removed the current collection
from one of the three bureaus. One bureau never reported the collection so the paid
collection is only being reported by Experian showing a zero balance.

 

I have a paid receipt with a zero balance from the OC original creditor.

How do I remove the collection with the HIPAA rules?

 

I have been looking at the letters on why chat and I am confused on what to do.

 

Do I send a letter to the collection agency using the validation/ dispute letter?

Do I send the HIPAA letter to the original health care provider?

 

Could some please help and tell me what to do?

once that is done do I then send a letter the credit? What Letter?

Thanks

[Why Chat]

I am sorry you spent so much time effort and $$ to get a deletion.

 

Follow ALL the steps:

 

http://www.whychat.5u.com/GUIDEBOOK.html

 

 

You will be using the HIPAA letter program:

 

http://www.whychat.5u.com/GUIDE%20HIPAA%20PROGRAM.html

 

If you have opted out and deleted old addresses and sent the initial dispute letter to any CRA where the account is appearing, you should get a deletion without having to do anything further.

 

If you do NOT get a deletion, then you send the reporting CA the medical DV, you send this if it is reporting as UNPAID:

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

 

or this if it is reporting as a paid collection

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

 

in both cases you send the follow up dispute to the CRA(s) as soon as you have proof of receipt:

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

 

If you have any questions come back to this post and we will help.

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What are the benefits of opt out?

Do I need to opt out? Is my information getting to the CRA or to the collection agency from some other way then directly from the original creditor?

 

1 So if I need to opt out opt out

2 get a credit report from anual credit report becasue it is has a number assigned to the credit report

3 send PRE HIPAA MEDICAL DISPUTE LETTER TO CRA

 

This should get the paid collection off my account?

 

Thanks

[Why Chat]

 

 

 

What are the benefits of opt out? It prevents your data from being sold to data miners

 

 

 

Do I need to opt out? Is my information getting to the CRA or to the collection agency from some other way then directly from the original creditor?

 

 

 

 

1 So if I need to opt out opt out

2 get a credit report from anual credit report becasue it is has a number assigned to the credit report

3 send PRE HIPAA MEDICAL DISPUTE LETTER TO CRA

 

This should get the paid collection off my account? Yes

 

Thanks

[wave]

I opted out.

I went to pull credit from annual credit report.com and they
said I already received a free credit report so they directed me to:

Select "Next Step" if you want to purchase your report online using a credit card."

I don't recall ordering one from annual credit report ever, but in the process of repairing my credit it is possible.

I have been using Privacy matters to monitor my credit, but they do not have a file number -report number- attached to the
credit reports just a date when looked at.

I called privacy matter to ask about report number and they directed me to freescore.com saying they have number id for the report order
one from them and I can cancel in 7 days easily.

Will that work or should I just pay for the Experian report?

[Why Chat]

No, it will NOT work as you will ONLY get one report # from the sponsoring CRA for Freescore, which is Trans Union.

 

Have you applied for credit and been refused?? If so, you can call each CRA and tell them the name of the party who refused you credit or "rated" you, this will allow you to get a free credit report from each CRA.

 

Otherwise, you need to go back to annualcreditreport.com, or call 1-877-322-8228 and find out if ALL 3 reports were pulled, and if you can what the date was.

 

You may be able to get 1 or 2 reports free as it is possible that all 3 reports were not pulled. Although if you were using Lex Law, they probably pulled them when you were using their "services". ( I hope you have stopped using them as it was a big waste of time and $$ and will HURT your ability to clean up your reports on your own)

[wave]

I tried calling annual credit report.com and I was unable to get a person on the phone and the computer system wanted to collect my information to order a report. I did not go through the entire process because it seemed similar to ordering the report online. Also, I will have to wait 15 days to get the report. I felt at the end they would just say I already received a free report and tell me I will have to buy the report.

If I buy the report directly from Experian will it have the reportnumber I need ?

[Why Chat]

Yes, do NOT bother to buy your "score" you do not need it.

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I got the report from Experian without the score. There is no report ID Number but the report has a date and I can sign into an account now with Experian and pull this individual report from their system. It looks like they have a record of the
credit report so can I use "report as of this date" in place of "on my report # xxxxx" to identify the source?

[Why Chat]

I got the report from Experian without the score. There is no report ID Number but the report has a date and I can sign into an account now with Experian and pull this individual report from their system. It looks like they have a record of the

credit report so can I use "report as of this date" in place of "on my report # xxxxx" to identify the source?

 

 

 

Look for a "confirmation #" or some other designation. I can't believe they are no longer using report #s of some kind

[wave]

Thank you for all your help so far.

 

I Followed your directions and I received a report number and I mailed the-- PRE HIPAA MEDICAL DISPUTE LETTER TO CRA- letter to the CRA. I received a letter back from CRA and they stated "we have already investigated this information and the credit grantor has verified the information."

 

The CRA did not remove the collection.

 

Additional information:

The collection is paid, but directly to the original creditor at the doctors office. I have a paid receipt with a zero balance. The OC had reported the item to the CA before I paid to the OC.

 

Which letter do I use now and to whom do I send the letter?

 

Thanks again

Edited April 16, 2013 by wave

[Why Chat]

Have you opted out and deleted old addresses??

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

 

Is it only reporting on Experian??

 

How old is this account?? When was the date of medical service?? When did you pay the OC and how did you pay them, (check, credit card??)

 

The next step is to send the medical DV for accounts reporting as paid to the reporting CA

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

 

and then re-dispute with this:

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

[wave]

I opted out and had no change in address

The collection is only reporting to Experian, an attorney had it removed from the other two CRA

The collection was opened Sept 2011

The medical service was around May 2011(not sure of date)

The OC was paid in Aug 2012 my receipt shows Aug 2012 and the account with the CA on the credit shows paid Sept 2012 (assume they updated record 30 days latter)

The OC was paid by check.

 

Does any of this information change my next step?

Do I send the letters you mentioned and do I need to send
one and then wait say 3days or 7 days to send the other?

 

Thanks

Edited April 16, 2013 by wave

[Why Chat]

You send the follow up dispute to Experian as soon as you have proof of receipt of the medical DV by the reporting CA.

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What is medical DV? I could not find it on abbreviation list?

 

I am getting electronic confirmation receipt for the CMRR for -- Alternate Medical DV for accounts that have been PAIDTO THE REPORTING CA AND ARE BEING REPORTED AS "PAID COLLECTIONS"- letter to the CA.

 

 

I should have receipt in a few days then I can send the follow up dispute to Experian?

Thanks

[wave]

I have followed all the steps and Experian did not change anything. The last step being

 

and then re-dispute with this:

http://whychat.5u.co...aa.html#DISPUTE

 

should I send the oc the FORM LETTER TO ORIGINAL HEALTH CARE PROVIDER?

 

 

Thank you for your help.

[Why Chat]

Yes, send the OC the HIPAA letter as edited for your purpose.

 

(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 ($___):

This account has been paid directly to you( proof of payment attached) your transmittal of the payment data to ( name of CA) is a
violation of HIPAA and the reporting of this as a paid collection has been properly disputed. Enclosed please find a copy of my letters of dispute to ( CA) and (Experian).
I hereby request complete deletion from all your agent (name of CA)'s records and archives.

 

Please be advised that you may be held liable for the actions of (collection agency name).

 

The Privacy Rules prohibits a covered entity from using or disclosing an individual's protected health information

("PHI") unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. including information related to an individual's

care or the PAYMENT for such care.

 

 

Your furnishing of my account payment information to (collection agency name), was not authorized and is not in compliance with HIPAA, and any subsequent reporting of this account

on my credit reports to (Experian) 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.

 

Therefore 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 including its status as a paid account is immediately deleted from my credit reports.

 

 

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:

 

Unless you instruct your agent ( name of CA) to delete this account in its entirety from my Experian credit report,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 (your State)'s Consumer Protection and Medical Privacy statutes.and I will file appropriate

complaints against you,the (name of CA), and Experian with all appropriate agencies.

 

Please respond, in writing within 10 days that you are processing this request.I am reserving the right, to take appropriate legal and civil action including reporting to any applicable regulatory authorities any lack o

cooperation or compliance with this request.I hereby waive my rights under HIPAA and any State Privacy Act for the single purpose of your transmission of this request and accompanying documentation in any required

report you must make to your E &O insurance carrier.

Sincerely, signature (Your Name)

 

 

 

[wave]

I sent the OC the HIPAA letter(HIPAA Compliance Office ( health care provider creditor( above letter) and it has been 14 days since they received the letter. I did not get a response within 10 days so what is my next action to take?

[Why Chat]

This is basically Experian's fault, so file a complaint against them with the FTC and CFPB

 

http://www.whychat.5u.com/hipaaftccomp.html

 

Send a copy of the filed complaints to Ex