not sure what to do next

[efini]

I'm in the process of fixing my wife's credit. Two separate medical accounts remain, let's call them A & B

 

A: Medical business bureau. The starting date per NJ law is May 2007. The account was placed for collections in Sep 2007.

B: Commonwealth Financial. the starting date per NJ law is June 2010. The account was placed for collections in June 2013.

C: Northeast Credit & Collections. Same as B, but showed up with a different (invalid) address and different CA name.

 

Prior to about 2 weeks ago the CRA showed the following:

TU: B

EX: B & A (listed twice, one with account number 010387xxxx, the other with 10387xxxx, same amounts, same account)

EQ: A & C

 

I made the mistake of disputing both in August, prior to finding whychat's medical process. Naturally both verified, none dropped.

 

In November, I started whychat's process:

Yes, I opted out

Yes, I deleted old addresses (one old one remained due to A using that as the address. I've tried removing the address online and via snailmail unsuccessfully. It's a PO box if it matters.)

Yes, I sent an initial dispute letter to each CRA. Per CRA they were verified, but there was no correspondance from the CA showing proof of validation

Yes, I sent medical DV to each respective CA.

Yes, I sent follow up dispute to each CRA on or about Nov 26.

 

The letter to C bounced back as undeliverable. I scanned that envelope showing undeliverable, wrote up whychat's letter, and sent to EQ.

 

I sent the statute of limitations letter to A, and upon delivery sent a similar letter to EX & EQ.

 

Results:

 

• TU: 100% clear.
• EQ: per back door report, only A remains. No response from them yet regarding the SOL letter.
• EX: received response dated Dec 11 stating "we have already investigated this information and the credit grantor has verified its accuracy. " This comment doesn't distinguish between which account, A or B, that they are referring to. I had never disputed B. A was disputed in August. Per their mailed copy of the report, A & B remain. HOWEVER, per a report pulled from creditsesame.com on 12/17, only A remains. I know third party reports are generally useless for disputes, but if B was still on record at experian, would it not be on the credit sesame report?

 

Regardless, I'm unsure how to proceed. As the newer medical collection appears to have been deleted across the board, the old account that is well outside the SOL remains. Assuming EQ validates or says something similar to EX like we've already investigated, should I send a method of verification letter? Should I just move to the HIPPA complaint with FTC and state authorities?

 

thanks for any help

[Druknmonkey]

If you've followed the whole process and not gotten a deletion or proper verification on the disputed accounts then i would move to submitting a CFPB complaint. Experian has been really awful in deleting bad accounts even after the other CRA's delete the same accounts. That is what WHYChat had me do and it's worked so far.

[Why Chat]

The next step in the process would be a complaint against any CRA that has failed to properly investigate and delete.

 

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