Why Chat Posted November 24, 2016 Posted November 24, 2016 OK, separate the accounts this way: Disputed Information Item in Dispute Creditor:_____________________________________ Account Number:_________________________ Creditor:_____________________________________ Account Number:_________________________ Creditor:_____________________________________ Account Number:_________________________ Reason For Dispute Please advise me as to the correct name and current address of these creditors, the name of the account holder, and the reported date of first delinquency,as any account I might have had at one time would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. Creditor:_____________________________________ Account Number:_________________________ Creditor:_____________________________________ Account Number:_________________________ Creditor:_____________________________________ Account Number:_________________________ Reason For Dispute Please advise me as to the names and addresses of the original creditors, the name of the account holder, and the reported dates of first delinquency,as any accounts I might have had at one time would be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. Quote
Kmlingo5 Posted December 5, 2016 Author Posted December 5, 2016 Whychat, what documents need to be presented to show a current relationship between the CA and OC? I am now receiving letters from CA's containing copies of medical bills. Is this proof? One letter reads this to be exact: "Our offices are in receipt of your letter of dispute and request for verification pursuant to 15 USC 1692G of the Fair Debt Collection practices Act. Regarding your demand for verification including original signed contracts, copies of state licenses, our agreement with the original creditor listed on this account, etc, there is no basis in law to substantiate you're right to such information. In fact court cases and the Federal Trade Commission have found there is no duty to comply with such excessive verification demands. However in an effort to provide verification we have enclosed the billing statements provided by our client that confirms the charges. Should you have any questions regarding this account or if you wish to discuss this account further please feel free to contact us at the number listed below. We look forward to helping you resolve this matter." Quote
Why Chat Posted December 5, 2016 Posted December 5, 2016 What was the date of medical services?? What is the date of the "copies" of the medical bills that the CA sent you?? Are the medical bills they sent you faxed to the CA from the OC?? Quote
Kmlingo5 Posted December 5, 2016 Author Posted December 5, 2016 (edited) Dates of service are showing 10/20/2011. Looks to be faxed, dates are showing as received 11/29/2016. Yes, they look to be faxed from the OC. Just to inform you, I had no insurance. Edited December 5, 2016 by Kmlingo5 Quote
Why Chat Posted December 6, 2016 Posted December 6, 2016 The dates of service put it well beyond the legal collection time for any medical account .Look at the "header" from the OC and see if the date on the header shows the sending date as 11/29/2016. Check the fax SENDING # against the OC's website and see if the # matches in any way. CAs have been known to fax these OLD records to themselves and claim they came recently from an OC. Quote
Kmlingo5 Posted December 6, 2016 Author Posted December 6, 2016 Checked the fax number and it is from the OC and the header date is 11/29/2016. I followed the guidelines and all CRA's received the follow up dispute on 11/25/2016. Just wait it out until I get the results back from the follow up and come back with the results? Quote
Kmlingo5 Posted December 12, 2016 Author Posted December 12, 2016 WhyChat, Here is the updated situation for the HIPAA process(followed all guidelines and finished follow up disputes) TU and EX have deleted all accounts that were disputed. EQ has not. I have 4 accounts still reporting, which is actually amazing, considering there was 29! The dates of of service for two accounts are 2011 and the other two are 2013. Here is how they are reporting on EQ after receiving the results as updated: CA - DBB Balance - $495 Remarks - Consumer disputes this account information CA - DBB Balance - $155 Remarks - Consumer disputes this account information CA - CCM Balance - $196 Remarks - Consumer disputes this account information CA - CCM Balance - $196 Remarks - Consumer disputes this account information If more info is needed I would be happy to include it, as I am awaiting your response for the next step! Thank you again for all of your time and guidance! Quote
Kmlingo5 Posted December 12, 2016 Author Posted December 12, 2016 Dates of service are showing 10/20/2011. Looks to be faxed, dates are showing as received 11/29/2016. Yes, they look to be faxed from the OC. Just to inform you, I had no insurance. The dates of service put it well beyond the legal collection time for any medical account .Look at the "header" from the OC and see if the date on the header shows the sending date as 11/29/2016. Check the fax SENDING # against the OC's website and see if the # matches in any way. CAs have been known to fax these OLD records to themselves and claim they came recently from an OC. Checked the fax number and it is from the OC and the header date is 11/29/2016. I followed the guidelines and all CRA's received the follow up dispute on 11/25/2016. Just wait it out until I get the results back from the follow up and come back with the results? Yes These accounts were deleted by TU and EX. EQ verified and updated them. Quote
Why Chat Posted December 12, 2016 Posted December 12, 2016 Are you saying that you disputed with all 3 CRAs and that only Eq verified and updated them?? Did you send the medical DV to the CAs and the follow up dispute to Eq.?? If not, do so now. http://whychat.5u.com/ltrcavalhipaa.html http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE Quote
Kmlingo5 Posted December 13, 2016 Author Posted December 13, 2016 Yes, I followed the program to its entirety. The end results from the follow up dispute by EQ I listed above. TU and EX deleted everything. Quote
Why Chat Posted December 13, 2016 Posted December 13, 2016 File a complaint with the CFPB against Eq http://whychat.5u.com/hipaaftccomp.html Quote
Kmlingo5 Posted December 13, 2016 Author Posted December 13, 2016 (edited) File a complaint with the CFPB against Eq http://whychat.5u.com/hipaaftccomp.html File a complaint with the CFPB even though they are marked as disputed? Also, two of these accounts are the ones that I received billing statements faxed from the OC to the CA. Included these in the complaint? Edited December 13, 2016 by Kmlingo5 Quote
Kmlingo5 Posted December 13, 2016 Author Posted December 13, 2016 (edited) What option do I chose for what happened on CFPB's website? A - Incorrect information on my credit report B - Credit Reporting company's investigation Edited December 13, 2016 by Kmlingo5 Quote
Why Chat Posted December 13, 2016 Posted December 13, 2016 B- Make sure you state that Eq is the only CRA that did not delete this unknown medical account. DO NOT provide ANY of the account data the CA sent you. DO NOT state that they responded to you in any way. All you need to say is that you properly disputed an unknown medical account with the 3 CRAs and that while TU and Ex properly investigated and deleted, Eq. did not. Quote
Kmlingo5 Posted December 13, 2016 Author Posted December 13, 2016 Ok. Thank you Why Chat! One question concerning my husband's. I followed the guidelines and finished the process completely. One medical account that was verified and updated on all three reports. Nothing was sent to him from the CA or OC. Showing as disputed, consumer disagrees. After follow up dispute. Date of service was 12/2011. No insurance. Do I file a CFPB for this next? Same option (B?) Quote
Why Chat Posted December 13, 2016 Posted December 13, 2016 Ok. Thank you Why Chat! One question concerning my husband's. I followed the guidelines and finished the process completely. One medical account that was verified and updated on all three reports. Nothing was sent to him from the CA or OC. Showing as disputed, consumer disagrees. After follow up dispute. Date of service was 12/2011. No insurance. Do I file a CFPB for this next? Same option (B?) You disputed the 12/2011 account with all 3 CRAs with the initial dispute letter?? http://whychat.5u.com/hipaadisp.html You sent the reporting CA the medical DV?? http://whychat.5u.com/ltrcavalhipaa.html You sent each CRA the follow up dispute?? http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE NONE of the CRAs deleted?? They ALL responded as "verified"?? All the accounts are marked as disputed by consumer on your reports?? Was this an ambulance bill?? Quote
Kmlingo5 Posted December 13, 2016 Author Posted December 13, 2016 (edited) Ok. Thank you Why Chat! One question concerning my husband's. I followed the guidelines and finished the process completely. One medical account that was verified and updated on all three reports. Nothing was sent to him from the CA or OC. Showing as disputed, consumer disagrees. After follow up dispute. Date of service was 12/2011. No insurance. Do I file a CFPB for this next? Same option (B?) You disputed the 12/2011 account with all 3 CRAs with the initial dispute letter?? http://whychat.5u.com/hipaadisp.html You sent the reporting CA the medical DV?? http://whychat.5u.com/ltrcavalhipaa.html You sent each CRA the follow up dispute?? http://whychat.5u.com/ltrcavalhipaa.html#DISPUTE NONE of the CRAs deleted?? They ALL responded as "verified"?? All the accounts are marked as disputed by consumer on your reports?? Was this an ambulance bill?? Yes, I sent intial dispute, CA letters and the final dispute. It was not deleted and my husband said that it COULD be an ambulance bill. Not 100% positive. The OC is St. Luis University Hospital, if that helps. How should I handle it either way? Edited December 13, 2016 by Kmlingo5 Quote
Kmlingo5 Posted December 14, 2016 Author Posted December 14, 2016 Yes, I sent intial dispute, CA letters and the final dispute. It was not deleted and my husband said that it COULD be an ambulance bill. Not 100% positive. The OC is St. Luis University Hospital, if that helps. How should I handle it either way? Quote
Why Chat Posted December 15, 2016 Posted December 15, 2016 Leave it alone and see if it ages off the end of next year given the age of the account it is not hurting your credit hardly at all. IF it is an ambulance bill and you continue to dispute it , it may stick to your report for longer than 7 years. Quote
Kmlingo5 Posted December 21, 2016 Author Posted December 21, 2016 Whychat, I helped a friend of mine with a 2 medical collections from the same CA. Followed the program(opted out, removed old adresses, initial dispute, DV to CA and follow up dispute.) These collections were only on EQ. However they came back as verified in the end results. No insurance and dates of service 3/2013. Next move to help her? Quote
Why Chat Posted December 21, 2016 Posted December 21, 2016 (edited) Try the complaint to the CFPB against Eq http://whychat.5u.com/hipaaftccomp.html Make sure you stress that these unknown medical accounts were properly disputed, are only on Eq. and that the reporting CA was not responsive to the request for account data to validate the accounts. Be careful though-- if the amounts are large(over $500) your friend is within SOL and could be sued if she stirs things up and her credit reports indicate that she has assailable assets. In addition, if they are also ambulance bills and/or the OC is a non profit County or State hospital they could wind up on her other reports. Edited December 21, 2016 by Why Chat Quote
Kmlingo5 Posted December 21, 2016 Author Posted December 21, 2016 Thank you very much Whychat! I will be starting the CFPB complaints today. My friend's collection items are each under $500. I will return when I get results or responses. Hope you have a great holiday! Quote
Kmlingo5 Posted December 22, 2016 Author Posted December 22, 2016 Whychat, Just as I thought I had everything settled.....I get blindsided. I have to apologize for being what I believe to be, a pain! Husband's report: Recieved a notification of new collections added(via Identity Guard.) 4 collections that I had never seen before popped up. All 4 are being reported by "Yada yada yada Law Offices." OC isn't ringing any bells with DH. We don't have any date of services because he doesn't even know the listed OC. Although the OC is in a state he resided in over 4 years ago. Do I start the process all over again with these new accounts? I couldn't find any infomation that would indicate it was an account already deleted and then sold to these Law Office people. Help! I had his reports cleaned down to one baddie. Now I feel defeated. Quote
Why Chat Posted December 22, 2016 Posted December 22, 2016 Identity Guard may be giving you false advice. Check the back doors of each CRA to see what, if anything is actually reporting. I believe that some or all of these 3rd party "credit protection services" issue false alarms in order to keep their clients in a perpetual state of anxiety and to sell them additional services. Quote
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