HIPPA Program; No Reply from CA, CRA came back verified, What should I do Next?

[iocus]

Thank you Whychat for your helpful site. Unfortunately, I have come upon a scenario that I could not find directions for on your site nor this forum (probably because I'm not using the correct search keyword).

 

I have been following the HIPPA Letter Program to dispute two accounts with same CA coming from same OC.

After Completing the preliminary steps (removing old adresses, opting out, initial HIPPA dispute with CRAs), I had sent out the medical DV with Balance due letter to CA. It has been over 30 days and I have not heard back form them. All CRAs have come back verified after sending out followup letter. What do I do next?

I Know I will have to pay the bill and I am prepared to do so. Thus, I called the OC 2 month ago, before I started the HIPPA Letter Program, to get an exact amount. Apparently, they switch their systems 2 years ago and could not access their files. Was told I would be contacted once their IT Department looked into the matter. When I called to follow up, they still could not access the files. Should I go ahead and send the OC letter and pay now?

Other info

CA: MERCHANTS ASSOCIATION COLLECTION DIVISION INC

OC: Your Care Clinics

Amount Owed: $1155

Location: Tampa, Florida

Collection Since 10/2010 Still withing SOL

[Why Chat]

The next step in the program is to send the CRA(s) the re-dispute letter with a copy of the medical DV and proof of receipt.

 

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

 

 

As soon as you have proof of receipt of the above medical DVs, you send each CRA this:

FOLLOW UP DISPUTE LETTER TO CRAs

 

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

[iocus]

Sorry, I forgot to mention that I did the follow upstep. As soon as received the green Card, I sent out the followup to the CRAs with copy of letter to CA and green card. They all came back verified, except for Innovis which promptly deleted.

 

Still no word from CA. What should I do next?

[Why Chat]

Well, paying the OC will do you no good as not only do they NOT have your account in their records, but they apparently do not have any current relationship to the reporting CA.

 

File a complaint against the CA with the FTC and the CFPB,

 

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

 

Your complaint should state that you have sent disputes to the CRAs( Equifax, Trans Union and Experian) and to the reporting CA and have had no verification of any kind of this unknown medical account. That you contacted the alleged original creditor( name of OC) by phone on x/xx/xxxx and was told they have no record of any such account. The reporting CA ( name of CA) has refused to provide you with any validation or copies of any records of this unknown medical account but continually verifies their reporting with the CRAs.

 

Send a copy of your disputes to the CA and a copy to each of the CRAs . In your copy to the CA state that you are prepared to take further action for their violations of the FCRA, FDCPA and FACTA unless they respond with either proof of their claim or a complete deletion from your reports. In your cover letter to each CRA state that you are prepared to file similar complaints against them and include them in any legal actions you may take against the reporting CA.

 

I don't think you owe anything to anyone, otherwise you would have had some kind of verification from the CA or some response from the OC. It is probable that this is either an error, is someone else's account, is an illegal balance billing, or is a left over written off amount that you were not responsible for. If you were insured at the time, try to get your EOMB from your insurance Co.

[iocus]

Success! Both account have been removed from all national CRA.