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So, I opted out; deleted as many prior addresses as they would let me.

3 separate accounts came back verified by EX and EQ all from the same CA.

Do I send three separate DV's for each verifying CRA or do I lump them all into one letter with all 3 accounts listed for each CRA? Thanks for the assistance.

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Are these medical accounts??

 

Have you followed the guide??

 

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

 

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

 

The instructions for the medical DV are included in its link

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

Use this letter to notify the agency that the debt is beyond SOL, or is invalid for other reasons, and subject to the HIPAA privacy laws. Keep a copy for your files and send the letter certified mail.EVEN IF YOU HAVE A STREET ADDRESS DO NOT USE THE RETURN RECEIPT AS THE CAs ARE USING UPS DROP BOXES,SEND IT CERTIFIED ONLY AND PRINT OUT THE ON LINE PROOF OF DELIVERY FOR THE FOLLOW UP LETTER Do a separate letter for EACH CRA that the CA is reporting to, make sure the account #'s match the report. You can MAIL them all to each CA in ONE envelope with one certified mail #

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Thanks Why Chat - yes they are all medical accounts and I have followed the process. Got quite a few deleted with the first letter to the CRA's. These three came back verified by EX and EQ and they are all with California Business Bureau for three different amounts. Should I list all three collection accounts on one letter or do I do six seprate letters all in one envelope to the CA?

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Thanks Why Chat - yes they are all medical accounts and I have followed the process. Got quite a few deleted with the first letter to the CRA's. These three came back verified by EX and EQ and they are all with California Business Bureau for three different amounts. Should I list all three collection accounts on one letter or do I do six seprate letters all in one envelope to the CA?

List all accounts in one medical DV letter as they appear on the CRA report you are referring to.

 

The data should match tyhe report you are disputing so you can send the correct follow up dispute.

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Why Chat - I got out both the DV to the CA and the follow-up to the CRA (once I verified CA receipt) for the afore mentioned California Business Bureau.

 

Another question - I have another CA from Progressive Management Systems on both mine and my wifes reports. CRA's verified it and I sent the DV to Progressive and the follow-up to the CRA. Yesterday I received a 'validation' letter from them with an itemized listing of charges for a hospital stay last year - it does not show patient responsibility or anything like that. I am getting EOMB's for this visit.

 

My question is around their letter - in it they state the following; "You will find an itemized statement; which includes he name of the facility that provided you the service, the date of the service, account number, total amount charged, and an itemization of the charges. This statement provides you with the validation of the debt."

 

The itemized statement does provide the hospital name but nowhere do they provide info on an assignment to them from the hospital.

 

Additionally, this was for my wife and it is showing up on my credit report as well as hers. The itemized listing shows her name only. Insurance was in my name but my name is nowhere on anything on this.

 

What are my next steps on this? Thanks for all the help....

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What was the date of service??

Do the account figures match your EOMBs as to patient responsibility??

 

In a case where your wife's insurance is in your name, you are responsible for the "left over" charges, your wife is responsible for the charges also as she was the patient, that is why it is on both your reports.

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