Blindsided CR Collecton Hit

[Why Chat]

Just a brief little update …

 

So I have been checking the CM Delivery for my DV to the CA’s. Apparently HSI CA address is different than what is listed on my Credit Report (there is no “suite 800” on my report)

 

Equifax Credit Report Address:

HSI Financial Services, LLC

1000 Circle 75 Pkwy SE

Atlanta, GA 30339

 

HSI Website Address:

Corporate Office Address

1000 Circle 75 Pkwy, Suite 800


Atlanta, GA 30339

 

USPS:

Your item is being held at the Post Office in ATLANTA, GA 30339 on July 18, 2015 at 10:15 am because the business was closed. The item will be delivered the next delivery day. If this item is unclaimed after 15 days then it will be returned to the sender

 

Question: Do I resend CM to the address listed on the website? I’m ready to send out the next letters to Equifax but I don’t have confirmation of delivery for HSI

No, send the follow up dispute to Eq and include copies of the notice that the business was closed. Instead of the phrase about the receipt of the DV send this:

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

 

I have disputed this unknown medical account with the reporting Collection Agent,( copy enclosed with copy of the PO notice that the business has closed),as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had no valid response as the reporting CA is out of business and could not respond to my letter or your request for verification.

[LohaLonnie]

Thank You so much Why Chat … Will do!

[LohaLonnie]

Morning!

 

So I had sent all but one of my DV letters to the CA’s and the follow up letters to EQ (also the ones that said “Business Closed” finally showed delivered).

This one that letter to the CA’s that has not shown delivered. It was to deliver on the 20^th I called USPS but you cannot an actual human: “representatives not available” at 1pm?

 

USPS States:

Your item departed our USPS origin facility in MOBILE, AL 36619 on July 18, 2015 at 5:58 pm. The item is currently in transit to the destination.

 

It’s now the 23 July. Should I resend this letter to the CA’s?

[Why Chat]

No, you fulfilled your obligation under the law to contact the CA as instructed AT THE ADDRESS GIVEN ON YOUR CREDIT REPORT.

 

If you have sent the follow up dispute to the CRAs as instructed, have you had any response from any of them yet??

[LohaLonnie]

I haven't heard from the CRA's yet; just patiently waiting.

 

As for the DV letter that hasn't had a confirmation of delivery, do I send in the follow-up letter to EQ for this CA (Direc Management). And if so, is there guidance on how this letter should be stated?

 

Thank you!!!

[Why Chat]

I haven't heard from the CRA's yet; just patiently waiting.

 

As for the DV letter that hasn't had a confirmation of delivery, do I send in the follow-up letter to EQ for this CA (Direc Management). And if so, is there guidance on how this letter should be stated?

 

Thank you!!!

Yes, all you need is a copy of the certified mail receipt.

[LohaLonnie]

ok. Thank You!!

[LohaLonnie]

Afternoon!

 

So just received and email from EQ:

 

Dear Alona,

 

Your most recent Equifax reinvestigation has been started. This process can take up to 30 days to complete. For faster delivery of your results, you can now receive the results of your investigation online.

To accept receipt of the results of your investigation online, please click on this hyperlink:

 

https://www.OptinOnlineDelivery.equifax.com/optin/jsp/optIn.jsp?DATI=6f8a558684a4dd54e0d3742f6b7b3e1c

 

Any reinvestigation that you have created within the timeframe of this request will be available for your review online upon completion.

We appreciate your help as we work together to protect our environment by going green and increasing your account security with electronic delivery.

To allow us to protect your privacy and deliver prompt service, please visit our website. If there are items you believe to be incorrect, you may be able to initiate an investigation request via the Internet 24 hours a day, 7 days a week at:

 

http://www.investigate.equifax.com

Using the Internet to initiate an online investigation request will expedite the resolution of your concerns.

Unsubscribe: If you do not want to receive these emails, please click on this hyperlink to unsubscribe:

https://www.OptinOnlineDelivery.equifax.com/optin/jsp/optOut.jsp?DATI=6f8a558684a4dd54e0d3742f6b7b3e1c

 

Please DO NOT REPLY to this email as this is a system generated email and will not be read.

Thank you for giving us the opportunity to serve you,

Equifax Information Services LLC

 

Hopefully this still means I can have my results via snail mail. I didn't clink any link nor did I Opt back in

[kimbachelle]

You should be fine, so long as you don't click any of the links.

[LohaLonnie]

Coolbeans then! ... Thank you!

[LohaLonnie]

Update:

 

As stated in a previous post, I never received confirmation of delivery from CA DirecManagement. As stated by Why Chat I was to send the follow up letter to EQ although I hadn't received confirmation of delivery and just to give the certified mail receipt. I had the letter to EQ type and ready to send today. However, yesterday I received a letter from Direc Management.

 

**Envelope was already opened in my mailbox and letter was taped to the inside of the envelope

 

 

This is what it said:

 

I have received your letter of July 16, 2015. You provided account number “140XXXX” which is a

partial account number for our system. I find no account assigned to you bearing those digits.

Additionally, you provided a return address of (LohaLonnies Address) and find no listing for that address.

 

I’m sure you understand, under the provisions of both state and federal law, I am barred from

sharing information about individuals in our system. If you provide enough information for

us to identify that proper account, I will be glad to respond.

 

I will tell you that much of what you requested in your letter of July 16, 2015 is not required by

the Fair Debt Collection Practice Act or the Fair Credit Reporting Act. Additionally, if you

suspect fraud of some sort, you should provide the particulars. I’m sure you understand that we cannot react without proof.

 

Federal law requires me to advise you this letter is an attempt to collect a debt and any

information obtained from it will be used for this purpose. DiRecManagemnt, INC. is a debt

collector as defined by the Fair Debt Collection Practices Act.

 

Sincerely

LWM – President

 

 

 

Now I honestly DO NOT feel comfortable giving out my information (SSN) to a CA especially when I received a letter that was already opened. So my question would be if this letter is good enough to send to EQ. (I haven’t sent anything yet)

**

• DiRecManagemnt is the only CA that I have heard from (I didn’t even get a conformation of delivery from them)
• HSIFinancial – Conformation of Delivery 20 July 2015 (2 accounts – no response)
• Credit Bureau Associates Conformation of Delivery 17 July 2015 (1 account – no response)

Thank you for any help!!

[Why Chat]

If they actually had your data from the OC along with authorization to collect and report they would NOT be asking you for that information.

 

If you sent the medical DV to them, then you should have sent the follow up dispute to Eq by now.

 

DO NOT send the CRAs ANYTHING from the CA.

 

Just follow the program.

[LohaLonnie]

 

 

Send the medical DVs CM, no return receipt.

http://whychat.5u.co...cavalhipaa.html

Then, as soon as you get online proof of delivery, you send the follow-up to the CRAs:

http://whychat.5u.co...aa.html#DISPUTE Enclosing a copy of the DV letter, and the proof of delivery.

Good luck!!

Thank you. I will do just that. Sending the letters next week. Will be back with an update.

 

Thanks for all the help from this site!

 

 

Well I did send the DV to them but didn't get a confirmation of delivery to send the follow up to EQ. I will be sending the follow up to EQ today. I was waiting on confirmation of delivery.

[Why Chat]

 

 

 

Send the medical DVs CM, no return receipt.

http://whychat.5u.co...cavalhipaa.html

Then, as soon as you get online proof of delivery, you send the follow-up to the CRAs:

http://whychat.5u.co...aa.html#DISPUTE Enclosing a copy of the DV letter, and the proof of delivery.

Good luck!!

Thank you. I will do just that. Sending the letters next week. Will be back with an update.

 

Thanks for all the help from this site!

 

 

Well I did send the DV to them but didn't get a confirmation of delivery to send the follow up to EQ. I will be sending the follow up to EQ today. I was waiting on confirmation of delivery.

 

Are you saying you did not make a copy of the PO delivery data from the certified mail #??

[LohaLonnie]

A brief follow-up …

Equifax deleted one collection account (HSI- $1013.00; this one had to be a billing error)

Three accounts still show in dispute on EQ

TU is now medical collection FREE!

Thank you Why Chat for all your help. I appreciate you!

…. Still waiting on word from the last three accounts from EQ

[LohaLonnie]

Morning*

 

Well it’s coming up on 30 days since I sent the collection dispute letters to 2 companies and follow up letters to EQ:

 

HIS Financial: 2 Accounts – Delivered 18 July – No Response

Credit Bureau Associates: 1 Account – Delivered 18 July – No Response

Direc Management: 1 Account, never received delivery receipt, but I did receive a letter back stating they can’t find “no account assigned to me”

 

I checked EQ back door:

 

HIS Financial: 1 account still in dispute. 1 account deleted

Credit Bureau Associates: 1 Account still in dispute

Direc Management: Letter was sent to EQ 31 July but does not show in dispute (I did not receive a receipt confirmation from the CA, so this letter was sent later to EQ)

So I guess I will just keep waiting

[LohaLonnie]

Well I have been playing the waiting game for a while.

I finally got a response back from Credit Bureau Associates at the last minute (guess they knew they had a time crunch)

This the information they sent back: ​

*LohaLonnie Address (old address) haven’t lived there in 4 years

*Date of Service: 7/25/2014 (I don’t recall this date, and there is no EOB for this DOS)

*Physician: Dr. “I don’t know”

*Amount: $133.00

So what is my next step? I truly don’t believe that I owe this.

Thank You for your HELP!!

​

[Why Chat]

You opted out?

You deleted old addresses?

You sent the initial dispute letter to each CRA?

 

You got deletions from ??

 

You sent the CA the medical DV?

You sent the CRAs the follow up disputes?

 

You got 0 additional deletions??

 

Have you checked your reports via the "back door"??

[LohaLonnie]

You opted out? Yes

You deleted old addresses? Yes

You sent the initial dispute letter to each CRA? Yes

 

You got deletions from ??

Two Deletions from TU (the only two medical on TU)

#1 Credit Bureau Associates - Deleted

#2 Direc Management - Deleted

 

You sent the CA the medical DV? YES

You sent the CRAs the follow up disputes? YES

 

You got 0 additional deletions??

One deleted HSI Financial of $1013

 

Have you checked your reports via the "back door"??

Yes

*HSI Financial no longer in dispute; still on report. Haven’t received a verified yet ($2626)

* Direc Management still in dispute (letter from Direc stating they cannot find any account with my information or name)

*Credit Bureau Associates still in dispute

 

 

​

​

[Why Chat]

You opted out? Yes

You deleted old addresses? Yes

You sent the initial dispute letter to each CRA? Yes

 

You got deletions from ??

Two Deletions from TU (the only two medical on TU)

#1 Credit Bureau Associates - Deleted

#2 Direc Management - Deleted

 

You sent the CA the medical DV? YES

You sent the CRAs the follow up disputes? YES

 

You got 0 additional deletions??

One deleted HSI Financial of $1013 WHICH ONE?? EQ OR EX??

 

Have you checked your reports via the "back door"??

Yes

*HSI Financial no longer in dispute; still on report. Haven’t received a verified yet ($2626) Is this a medical account??

* Direc Management still in dispute (letter from Direc stating they cannot find any account with my information or name)

*Credit Bureau Associates still in dispute

 

 

​

​

OK,

Wait another week, recheck the back door -if it is still on ANY reports, file a complaint with the CFPB against THAT CRA

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

 

Make sure you list all the steps you took and tell them that the CA has responded to you stating that they have no record of your account. When you send a copy of your filed complaint to the CRA include a copy of the letter from Direc

[LohaLonnie]

OK,

 

 

You got 0 additional deletions??

One deleted HSI Financial of $1013 WHICH ONE?? EQ OR EX??

This account was for EQ. (EX never had any medical accounts)

Have you checked your reports via the "back door"??

Yes

*HSI Financial no longer in dispute; still on report. Haven’t received a verified yet ($2626) Is this a medical account??

Yes this is a medical account L

 

 

​

​

 

[LohaLonnie]

Ok I will wait a week and give the complaint

 

Why Chat, do you have any suggestions for Credit Bureau Associates?

[Why Chat]

I suggest you wait to tackle CBA after you have completed the ones you are in the midst of right now.

 

Sometimes there are unintended GOOD results from the deletion of one account by virtue of a CFPB complaint. I have seen other accounts drop off as a result, even if they weren't the topic of the complaint.

[LohaLonnie]

Ok sure!. Thank you!! I will tackle Dire Management first after this week is up and let you know the results

Thank you again!

[LohaLonnie]

Update:

 

Just received an EQ verification for HSI $2626 that this account belongs to me

 

However:

- I never a received a letter from HSI that this account of $2626 was to report

- HSI only sent a notice that $1013 was going to report and this account was deleted from my report because of a billing error! (so my score suffered!)

- I never was sent a notice from the OC for $2626

 

I know that I am to wait till next week to check the status of my report. Any suggestions on what to do with the account?