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A few weeks ago I started the initial dispute process for 3 medical collections that I discovered on my CBR from 2009 and 2013. Although I have not received an official response via mail from TU, I just logged in to my Credit Karma account and saw that one collection (reported by Central Financial Control) was updated on 12-26-14 as CLOSED. At this point, should I patiently wait for the mailed response to my dispute from TU or should I proceed with the next step and send the dispute letter to Central Financial Control now?


I know for a fact the account reported by CFC is invalid because a totally different CA is reporting the same account on both EQ and EX. Any advice will be appreciated!!

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Are you following the guides??





Did you use the initial dispute letter:?



I hope you opted out and deleted old addresses before disputing.


"closed" is not a valid response to a dispute. You need results directly from the CRA and IF you used REAL reports with an individual report # you can check the status of the account by using the "back door"

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Hi. Yes, I have been following the guides. I was unable to use the back door for TU because I have exhausted the times I can view that particular report however, I did confirm via phone that a dispute was being processed and the results will be sent via mail. The EQ back door states status PENDING with an estimated completion date of 1-19-15 and EX shows nothing yet; I was told they have not received any mail from me although I have proof of delivery. I will take your advice and wait until I receive correspondence via mail. Thanks again.

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  • 4 weeks later...

Today I was notified that 2 of 3 medical collections were removed from my report following the guides listed here. I'm so excited! Now I have to deal with Central Financial Control/Syndicated Office Systems regarding my last account. However, I would like to ask some advice. Last week, I met the CEO of the hospital that placed said account with the CA. When I introduced myself, I wanted to talk to him about the account but decided against it since the time and place was all wrong. I've created a letter to send to him to see if I can get the account deleted. I'm even willing to pay the account but I have not received the necessary paperwork to prove the exact balance. Should I send the letter to him? My thinking is....if anyone can get it deleted, he can.

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DO NOT contact the OC or the reporting CA until you have COMPLETED the HIPAA letter program.


Have you opted out??

Have you deleted old addresses (if you have moved since the date of medical service)?

Have you sent each CRA the initial dispute letter from the HIPAA program guide??


Have you received a response from the CRAs??

You do NOT at this point have any confirmation that the remaining reporting CA has ANY current business relationship with the OC. They may have obtained your account data from a data miner or from another CA.

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