Trying WhyChat method on 2 Medical collections, hopefully I won't screw it up.

[lemonlimez]

I apologize ahead of time for the long post....

 

(Gulp) finally getting the courage to deal with a few medical collections. I have read Whychat's method over and over and over again over the last few months and it's just not getting through my thick skull.

I am going to try my luck at addressing my DH's medical collections first he has two medical collections showing up.

• Paramount Recovery systems (shows on all 3 credit reports)
• Quantum Financial Bus (shows on Experian only)

( For this PARAMOUNT RECOVERY SYSTM collection I don't think they submitted it to our insurance, my husband said he recalls getting some sort of mail that described something about the hospital purchasing insurance on his behalf and they covered X about of dollars from a $1500 medical bill a trip to ER - he didn't have his insurance card with him at the time and so he didn't give any insurance information so I am guessing this is the remaining balance? If this makes sense at all.. )

PARAMOUNT RECOVERY SYSTM

Placed for collection: 01/27/2012

Responsibility: IndividualAccount

Account Type: Open Account

Loan Type: COLLECTION AGENCY/ATTORNEY

Balance: $360

Date Updated: 04/23/2013

Original Amount: $360

Original Creditor: MEDICAL-QUESTCAREERARLINGTON(Medical/Health Care)

Past Due: >$360<

Pay Status: >InCollection<

Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<

Estimated month and year that thisitem will be removed: 10/2018

 

QUANTUM FINANCIAL BUS

Original Creditor:MEDICAL CLINIC OF NORTH TEXAS

Address IdentificationNumber:0145434714

Status: Collection account. $27 past due as of Apr 2013.

Status Details: This account is scheduled to continue on record until Jul 2017.

Date Opened:07/2012

Reported Since:04/2013

Date of Status:04/2013

Last Reported:04/2013

Type:Collection

Terms:1 Months

Monthly Payment:$0

Responsibility:Individual

Credit Limit/Original
Amount:$27

High Balance:NA

Recent Balance:$27 as of 04/2013

Recent Payment:$0

Payment History:

Account History:

Collection as of Apr 2013

So far I have tried my best to follow steps on http://www.whychat.5u.com/GUIDEBOOK.html

 

• DH has Opted out for 5 years online
• obtained a free from annualcreditreport.com for Equifax and Experian.
• TransUnion went to their website and paid for report.
• All old addresses have been deleted Experian they won’t delete 1 old address, but this wasn’t the address when service was provided if that matters.
• Note: Transunion shows ACCT INFO DISPUTED BY CONSUMR I did online dispute before I got around to reading whychat’s method. (oops)

Now am I am preparing the letters to send to CRAs this one is to TU would that font/background work ok? Wanting a green light before i send these out. Thanks!

I did look through my claims for my insurance since i can view them all online and I don't see claims on these dates for these providers or anything close.. even within a few months. Seems like they didn't submit this to my insurance the best I can tell.

Update: I did call my insurance company and they could not find any claims for these two items said I would need to get in touch with OC and have them re-file the claim or contest them with CRAs.

Edited April 27, 2013 by lemonlimez

[lemonlimez]

Now I am thinking maybe I should just try and call the OC and ask them to re file their claim with insurance company??

 

Looking back through my (not so awesome filing system) I did dig up a letter from Paramount Recovery system saying the same thing the collection entry above says... should I still stick to this process if it looks like the OC did not file an insurance claim?

Edited April 27, 2013 by lemonlimez

[lemonlimez]

I have met another bump on the road, my Equifax report I pulled through annualcreditreport.com doesn't have a report numbser.. a the top is says CSC CREDIT SERVICES CREDIT REPORT for __ Name__ ?

[Why Chat]

Use the data that is available for your CSC credit report, ( date of report) and address the dispute letter to their address that is on your report.

 

You need to wait at least 60 days from the date of your last response from the CRAs to your on-line dispute otherwise your dispute will get merged in their system and you will get a "previously investigated" response.

 

The issue is NOT about if you owe the hospital, or if they failed to file the claim because they were not provided the insurance data, the issue is IF the reporting CA is in a current relationship with the OC.

 

Check with the insurance Co. get your EOMBs . Find out ( in writing) if it is too late for the claim to be submitted.

 

I suggest you write to the OC with the HIPAA letter insert "b" 2, provide them with the insurance data and a print out from your insurance Co. stating that the claim was not submitted and request they resubmit it.

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

 

You should wait to dispute the subject account ( by the way, your dispute letter is perfect) until after you have a response from the OC.

[lemonlimez]

Use the data that is available for your CSC credit report, ( date of report) and address the dispute letter to their address that is on your report. Will do. Thanks!!

 

You need to wait at least 60 days from the date of your last response from the CRAs to your on-line dispute otherwise your dispute will get merged in their system and you will get a "previously investigated" response. I will leave TU alone for now and wait until July once the 60 days have passed and then send pre-hippa medical dispute letter.

 

The issue is NOT about if you owe the hospital, or if they failed to file the claim because they were not provided the insurance data, the issue is IF the reporting CA is in a current relationship with the OC. I see

 

Check with the insurance Co. get your EOMBs . Find out ( in writing) if it is too late for the claim to be submitted. Insurance company said i need to confirm what exact dateservice was provided and then they can email me something saying that it can still be submitted for processing.

 

I suggest you write to the OC with the HIPAA letter insert "b" 2, provide them with the insurance data and a print out from your insurance Co. stating that the claim was not submitted and request they resubmit it. Working on that now, but I don't recall the date of service and that information is not in the letter i have from the CA, Can i send a letter to the CA and request this information? Is that a good idea??

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

 

You should wait to dispute the subject account ( by the way, your dispute letter is perfect) until after you have a response from the OC. Ok, Ill wait to dispute the PARAMOUNT RECOVERY SYSTM until i can figure out date of service and send a letter to the OC with the Hippa letter insert B 2. I will keep digging around ~~ THANK YOU~~~ THANK YOU~~

[Why Chat]

DO NOT contact the CA.

 

If you do not know when the date of service was, then just send the dispute letters to the CRAs and hold off ANY communication with the OC.

 

Are you sure this is even yours??

 

Do you have ANY EOMBs from that year??

[lemonlimez]

DO NOT contact the CA. OK, no contacting the CA

 

If you do not know when the date of service was, then just send the dispute letters to the CRAs and hold off ANY communication with the OC.

 

Are you sure this is even yours?? 75% sure it's ours

 

Do you have ANY EOMBs from that year?? Yes

 

Why Chat,

 

When I send the Pre-hippa letter to CRA can I only list the 1 of 2 medical accounts mentioned in my credit reports - the one that I have not previously disputed? Or should I just wait the 60 days since I disputed 1 of the medical accounts and dispute both of them at the same time?

 

[Why Chat]

Wait the 60 days and dispute them both at the same time. It doesn't make any difference WHAT you disputed on line, any new dispute on anything will be merged.

[lemonlimez]

Wait the 60 days and dispute them both at the same time. It doesn't make any difference WHAT you disputed on line, any new dispute on anything will be merged.

Thank You! Why Chat, I will wait

[lemonlimez]

WhyChat once the 60 days since last response from a CRAs has passed do you know if the "consumer comments" have to be removed before I can begin dispute again?

I checked experian via back door and saw 1 medical account has this

Your Statement:

Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act).

[Why Chat]

Since you have EOMBs from that time, send each OC the HIPAA letter insert "b" 2 , abbreviated version here:

( Get something in writing from your insurance Co. stating that the accounts were not submitted, or were submitted incorrectly)

(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 is a billing error. It was not properly transmitted in a
timely manner to my insurance company.( Documentation from insurance attached) It is not a valid bill and has been properly disputed, therefore I request
complete deletion from all your agent (name of CA)'s records and archives. Your furnishing of my account information to (collection agency name), is not in compliance with HIPAA,or (name of your State}'s Privacy Act, and any 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 when there is no valid 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 is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this
account from the records of ( collection agency name) and to require them to
have this account information deleted in its entirety from my credit reports
will resolve this problem completely.

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 of
cooperation or compliance with this request. Sincerely, signature (Your Name)

[lemonlimez]

 

Since you have EOMBs from that time, send each OC the HIPAA letter insert "b" 2 , abbreviated version here:

( Get something in writing from your insurance Co. stating that the accounts were not submitted, or were submitted incorrectly)

 

 

(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 is a billing error. It was not properly transmitted in a

timely manner to my insurance company.( Documentation from insurance attached) It is not a valid bill and has been properly disputed, therefore I request

complete deletion from all your agent (name of CA)'s records and archives. Your furnishing of my account information to (collection agency name), is not in compliance with HIPAA,or (name of your State}'s Privacy Act, and any 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 when there is no valid 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 is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this

account from the records of ( collection agency name) and to require them to

have this account information deleted in its entirety from my credit reports

will resolve this problem completely.

 

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 of

cooperation or compliance with this request. Sincerely, signature (Your Name)

I have received written confirmation from my insurance company that coverage was infact "active" at the time of this visit and sending out a letter to the OC. I will wait to dispute until I get a response.

Should i send letter to the OC via CMRRR? or just regular snail mail?

[lemonlimez]

 

 

Since you have EOMBs from that time, send each OC the HIPAA letter insert "b" 2 , abbreviated version here:

( Get something in writing from your insurance Co. stating that the accounts were not submitted, or were submitted incorrectly)

 

 

(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 is a billing error. It was not properly transmitted in a

timely manner to my insurance company.( Documentation from insurance attached) It is not a valid bill and has been properly disputed, therefore I request

complete deletion from all your agent (name of CA)'s records and archives. Your furnishing of my account information to (collection agency name), is not in compliance with HIPAA,or (name of your State}'s Privacy Act, and any 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 when there is no valid 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 is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this

account from the records of ( collection agency name) and to require them to

have this account information deleted in its entirety from my credit reports

will resolve this problem completely.

 

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 of

cooperation or compliance with this request. Sincerely, signature (Your Name)

I have received written confirmation from my insurance company that coverage was infact "active" at the time of this visit and sending out a letter to the OC. I will wait to dispute until I get a response.

Should i send letter to the OC via CMRRR? or just regular snail mail?

Ignore me! I found the answer on reading over again - yes send CMRR

[lemonlimez]

Love the new dispute letter template.

[lemonlimez]

Whychat - Question for you... I have to also dispute a NON-Medical Account 2 (30 day lates) of incorrect reporting for from Attorney General Office on my DH credit report.. I contacted CS office and was told to file a dispute with CRA, should I wait until I finish this Hippa process for these medical items before I dispute other accounts?

 

Thanks!!!

[Why Chat]

Yes, otherwise your disputes will get merged.

 

There is a similar new dispute form in the SOL letter program for NON MEDICAL accounts

[lemonlimez]

For my information.

 

The collection for item:

PARAMOUNT RECOVERY SYSTM

Original Creditor: MEDICAL-QUESTCAREER

 

Sent the OC the HIPAA letter insert "b" 2 that included letter in writting from insurance company that claim was not submitted and to resubmit, also that I had coverange on said date. This was sent via CMRRR on 7/29/2013 on 8/1/2013 I got my green card back that it was delivered.
Now I wait after this comes back then I will start my CRAs dispute process.

[lemonlimez]

For my information from whychat:

No you can NOT dispute non medical at the same time as medical with the CRAs, your disputes will be merged and make a mess of the whole process.

 

Wait until your HIPAA disputes are resolved, that means either deleted from your reports or you are 60 days past your last communication to or from the CRAs

[lemonlimez]

 

 

 

Since you have EOMBs from that time, send each OC the HIPAA letter insert "b" 2 , abbreviated version here:

( Get something in writing from your insurance Co. stating that the accounts were not submitted, or were submitted incorrectly)

 

 

(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 is a billing error. It was not properly transmitted in a

timely manner to my insurance company.( Documentation from insurance attached) It is not a valid bill and has been properly disputed, therefore I request

complete deletion from all your agent (name of CA)'s records and archives. Your furnishing of my account information to (collection agency name), is not in compliance with HIPAA,or (name of your State}'s Privacy Act, and any 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 when there is no valid 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 is immediately deleted from my credit reports. This simple procedure to request the deletion of ALL reference to this

account from the records of ( collection agency name) and to require them to

have this account information deleted in its entirety from my credit reports

will resolve this problem completely.

 

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 of

cooperation or compliance with this request. Sincerely, signature (Your Name)

I have received written confirmation from my insurance company that coverage was infact "active" at the time of this visit and sending out a letter to the OC. I will wait to dispute until I get a response.

Should i send letter to the OC via CMRRR? or just regular snail mail?

Ignore me! I found the answer on reading over again - yes send CMRR

 

WhyChat - I received a response back ..

 

Date 8/2/13

Sent via CMRRR ( but the green card to sign was left attached to the letter )

 

Dear Mr.Lemonlimez,

 

I am the legal counsel for the Dallas Shared Service Center which administers claims for Medical Center of Arlington (Hospital). We are in receipt of your letter and this letter is in response. As an initial matter, the hospital denies your allegations of wrongdoing. The hospital takes its obligations to maintain the confidentiality of protected heart information seriously.

In addition I note that your letter referenced Questcare ER and an account number that is not Hospital's. Quest care is the company that handles ER physician, not Hospital billing.

 

If you would like to discuss , please call us.

 

Person's Name.

Senior Counsel

Parallon Business Performance Group

Dallas Shared Service Center

 

 

--- Should I go ahead and send out my hipaa disputes to CRAs?

[Why Chat]

Did they provide you with the name of the physician??

 

Send the initial dispute to the CRAs

[lemonlimez]

Did they provide you with the name of the physician?? No

 

Send the initial dispute to the CRAs - All done will send out via CM tomorrow.

[lemonlimez]

All letters sent ( 6 total ) one to each CRA for mine and DH's medical accounts..

It maybe to early to celebrate but TU ( Smart Credit) and MPM are gone.. now just waiting on reply from CRAs..

[lemonlimez]

<Updates>

Status so far for DH:

TransUnion: Letter received they deleted all medical collection accounts (2).
Equifax: The Results Of Our Reinvestigation >>> We have researched the collection account. Account # - xxxxx

The results are: We verified that this item belongs to you. If you have additional questions about this item please contact CA
Experian: No response yet.

Status so far for ME
TransUnion: Letter received they deleted all medical collection accounts (1).

Equifax: No response yet.

Experian: No response yet.

[Why Chat]

Make sure you keep good records and separate files for yourself and your DH.

 

As soon as you have results from all CRAs send the medical DV to any CA that was not deleted and the follow up dispute to the CRAs that did not delete.

[lemonlimez]

Make sure you keep good records and separate files for yourself and your DH.

 

As soon as you have results from all CRAs send the medical DV to any CA that was not deleted and the follow up dispute to the CRAs that did not delete.

Do I wait a few days inbetween when sending the medical DV to any CA that was not deleted and the follow up dispute to the CRAs that did not delete. ?