OC has not cashed payment

[Lightt]

I have confirmation the Original Creditor received my Money Order Payment.

 

It was sent 3 weeks ago and has not been cashed.

 

The orginal creditors went out of business in my city, so I sent the payment to the address provided by the CRA on my dispute answer.

 

What should be my next step?

 

 

Thanks.

[Emtmedic44]

Just curious, how did the CA verify a current relationship with the OC if they have gone out of business?

[Lightt]

They sent a reply stating the Account was verified and belonged to me.

[Why Chat]

Who sent the reply?? The CA?? Did they provide any supporting material??

 

Did you follow ALL the initial steps??

 

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

 

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

 

What was the response from the CRAs to the initial dispute letter??

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

 

How old is this account?? ( date of medical service)

 

Did you send the money order with the HIPAA letter insert "a"??

[Lightt]

The replies were from all three CRAs.

 

Transunion - Deleted

Experian - Updated

 

Equifax - Verifed with the Original Creditors name and address, but the Pennsylvania address was not the office I received medical services for.

I checked the name of the OC online and it was at a medical center that I remembered receiving services, but was in my city of Kentucky.

This medical practice has went out of business in KY.

I could not find the OC address in PA.

 

I sent the payment and HIPAA letter with insert "a", to the PA address provided by the CRA.

 

The Collections Agency's address was also in another city in PA.

 

Date of service was in 09/2008

This was submited to the CRA: 12/2013

Sent HiPAA letter and payment on 1/8/2014

Money order not cashed.

 

Upon further investigation the PA address I sent the above payment and letter to seems to be the CA's street address.

There were two addresses on the CRA's reply, a PO Box for the Collection Agency prominent at the top, and a PA street address that seemed like an address for the OC.

 

I did put, as instructed, "this can only be cashed by the OC" on the Money Order.

 

So, what can I do to correct this?

 

Thanks for your help.

[Why Chat]

Well, you were premature in sending the money order. You obviously did NOT read the instructions. A "verification" from the CRAs is NOT proof of a current relationship. Especially with an account that is over 5 years old.

 

Wait another week or so and put in a request to get a refund on the money order.

 

Send the reporting CA the medical DV for the 2 CRAs it is still reporting to.

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

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

 

As soon as you have proof of receipt, send the CRAs the follow up dispute

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

[Lightt]

Thank you for your help.