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I have a medical/doctors bill for $1,400.00 from April 2019 that is showing only on my Experian Credit Report.
The "Account Name" is showing as a CA. The "Original Creditor" is showing as the doctor.
I've followed @Why Chat's guide; opted out, checked addresses, and sent the pre HIPAA Dispute Letter to the reporting CRA - I'm showing it was received on 4/16/2021. So far I've received nothing from the CRA - I know it's a bit early.
Here is where I could use some advice/guidance:
While the OC bill is valid it is incorrect. I was very sick at the time of service in question, my doctor was on vacation so he had me go in and see his office mate a doctor who does not accept insurance. I distinctly remember said doctor kindly saying he would only charge me $200.00 for the visit. Unfortunately all I have is that verbal agreement - b/c of my health at the time I left the office without collecting any paperwork or making a payment.
1. I've tried calling the OC's billing department and explaining this but there was nothing they could do other than refer me to the CA.
2. I also emailed the doctor reminding him of our verbal agreement - I've yet to hear back from him.
3. The CA called today, I answered. I told them the amount I owe is $200 not $1400 and that I would take it up with the doctor.
Any further action or steps in the HIPAA process I can take now? - I really need to get this off my credit report - It's tanking my score and we are looking to lease a car ASAP.
Would I be foolish to dispute online with Experian? - I assume the answer is yes.
Would be grateful for any and all advise/guidance.
Thanks in advance!
Hello, I received a Collection letter in the mail today. I called and the woman on the phone stated can you pay a lower payment and I said yes. I know this was a mistake. But she said she will check with her manager and call me back. The collections is from a 2017 hospital bill. But there is nothing on my credit from this agency or the hospital. My questions are do I pay this debt that is not on my credit? If I do pay is will the company report to the credit bureaus? Or do I send a validation letter? I’m leaning towards not paying it but I don’t know if it will go on my credit even though it has not in 3 years? Any advice would help. Thank you!!
I tried to schedule an appointment with my doctor the other day, I was informed I have a past due bill that was sent to collections in 2014. This bill has never shown up on my credit. I called today and asked they send me an itemized bill, I’m not sure if this debt valid or not. I had insurance in 2014, I wonder if there was a misstep with the doctor’s office sending the bill to insurance company then contacting me for the remaining payment. I do not want to take the chance of paying on something (if it’s not valid) then it shows up on my credit.
Should I follow this path (if it’s valid) of paying the debt with a bank check or money order with an endorsement on the back "for deposit only to the account of (name of Dr.) using https://whychat.me/hipltr.html insert "a?" Should I contact my insurance company from 2014 to see what was paid and what was not? Not sure how to proceed since I haven’t been contacted and this is not on my credit. I've used WhyChat's method before but not in a situation like this.
Whychat thank you very much for sharing; and I've been reading through your program guide for quite some time now, and I would like to think that I've understood the steps and how the process works. However, I got confused and not sure what the next step should be.
- I sent the Initial dispute letter for 5 medical accounts.
- Experian: 2 Accounts deleted, and 3 were verified as Accurate
- Equifax: All Deleted
-Transunion: 1 Deleted and 4 are still in the collection section but moved to a sub-section with status closed, and they all still have balance. The Remarks on all of them: "Account information disputed by the consumer, meets FCRA requirements."
- I didn't receive anything from the collection agency
I'm not sure what to do next as I have different results. I understand that If the accounts are verified, AND I received NOTHING from the reporting CA, I need to send the reporting CA the "MEDICAL DISPUTE VALIDATION LETTER" I want to confirm this is my next step.
I appreciate any feedback.
I have 2 medical collections for 2 different providers being reported to Experian and TransUnion by the same CA and a 3rd collection with Equifax with a different CA.
I started the HIPAA dispute programs for all them with these results:
TransUnion: both items were deleted Experian: both items were verified with a note to contact the CA for more info Equifax: No Response at all and no deletion
I started the HIPAA dispute program for the Experian collections but skipped the 2nd step of Medical DV to the CA by mistake. Instead, I sent money order payments to both the OC's using the HIPAA letter and have copies of the deposited and canceled money orders from my bank. The collections have not been deleted and I haven't receive a response from the OC's at all.
Knowing the I missed the DV step with the CA, what should I do now to continue the process for getting the Experian entries deleted?
For the Equifax entry with no response, do I just start over again?