WhyChat -- paid collection question

[rcb4au]

Why Chat,

 

When going through the HIPAA process and looking at credit reports, I remember where I had paid a collection directly to the OC and they accepted the payment. I have since changed accounts (and possibly even banks) and I'm pretty sure I didn't keep a record of paying it off. How would I go about the paid collection dispute with no records to provide as proof?

 

Thanks!

[rcb4au]

Bump...

[Why Chat]

Have you done all the basic steps??

 

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

 

Use the HIPAA letter program:

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

 

Start with the initial dispute letter:

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

 

If the account is verified by the CRAs , send the reporting CA the medical DV for accounts REPORTING as paid:

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

 

and then send the CRA(s) the follow up dispute

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

 

You do not need any records of your payment to the OC, it is obvious that you paid it since it is reporting as a paid collection.

The only time you need a record would be IF you paid it using the HIPAA letter insert "a". In which case you would have had a copy of the letter that you sent.

[rcb4au]

Have you done all the basic steps?? Yes

 

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

 

Use the HIPAA letter program:

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

 

Start with the initial dispute letter: These were sent and I've received response back from all 3 CRAs. I have 2 collections reporting on EX and EQ and 3 (2 unpaid, 1 paid) on TU. EX verified, EQ basically said I was wasting their time and could contact the CAs myself at the addresses they provided on my report and TU deleted one collection, has new information for another and verified the "paid" collection. I think at one point, I had another thread going about the whole process, so the unpaid collections obviously don't apply to this thread.

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

 

If the account is verified by the CRAs , send the reporting CA the medical DV for accounts REPORTING as paid: TU is the only CRA reporting the paid collection with "Miramed Revenue Group," so I will send the medical DV for the paid account and follow that with the follow up dispute letter!

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

 

and then send the CRA(s) the follow up dispute

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

 

You do not need any records of your payment to the OC, it is obvious that you paid it since it is reporting as a paid collection.

The only time you need a record would be IF you paid it using the HIPAA letter insert "a". In which case you would have had a copy of the letter that you sent.

Edited October 18, 2013 by rcb4au