Kmlingo5 Posted December 22, 2016 Author Share Posted December 22, 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. When sending the copy of the CFPB complaint to Equifax along with a follow up dispute what should the dispute itself entail besides this: "I reserve the right to take further action including filing appropriate complaints with the OCR on HIPAA violations and the (name of your State)'s Attorney General under the penalty rules of the Omnibus Final Rule(09/23/2013) interpreting and implementing provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH Act), ( your State) 's consumer protection agencies, the BBB and to take civil action to recover damages. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices. ( Section 1031 of the Dodd-Frank Act )" Handwritten again with colored ink or typed? Include any other phrasing? 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. These are in fact on both EX and TU! Edited December 22, 2016 by Kmlingo5 Quote Link to comment Share on other sites More sharing options...
Why Chat Posted December 22, 2016 Share Posted December 22, 2016 ?? Are you saying these accounts are on all 3 reports?? I have lost track of where you are in the dispute process. Please recap Quote Link to comment Share on other sites More sharing options...
Kmlingo5 Posted December 22, 2016 Author Share 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. In reference to the quoted post. Followed the program to it's entirety and had everything deleted except for one account that you stated could possibly be an ambulance bill and to leave it alone. Thank you a million times for assisting me with that. Just yesterday I was notified of new accounts listed on TransUnion and Experian. I checked the back doors and they are in fact new accounts. They are listed under a collection agency I have never seen on my husband's reports. The listed OC has never been on his reports either. Quote Link to comment Share on other sites More sharing options...
Why Chat Posted December 23, 2016 Share Posted December 23, 2016 OK, BUMMER!! Send the initial dispute letter to the CRAs.for these new dings. Double check the reports for any new discrepancies. Opt out again. Quote Link to comment Share on other sites More sharing options...
Kmlingo5 Posted December 23, 2016 Author Share Posted December 23, 2016 Thanks Whychat! Appreciate everything! This was my last question for the evening, pertaining to my friends accounts. When sending the copy of the CFPB complaint to Equifax along with a follow up dispute what should the dispute itself entail besides this: "I reserve the right to take further action including filing appropriate complaints with the OCR on HIPAA violations and the (name of your State)'s Attorney General under the penalty rules of the Omnibus Final Rule(09/23/2013) interpreting and implementing provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH Act), ( your State) 's consumer protection agencies, the BBB and to take civil action to recover damages. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices. ( Section 1031 of the Dodd-Frank Act )" Handwritten again with colored ink or typed? Include any other phrasing? Quote Link to comment Share on other sites More sharing options...
Why Chat Posted December 23, 2016 Share Posted December 23, 2016 Properly typed just state the fact that you are enclosing a copy of your filed complaint. Quote Link to comment Share on other sites More sharing options...
Kmlingo5 Posted December 23, 2016 Author Share Posted December 23, 2016 Thank You very much and happy holidays! Quote Link to comment Share on other sites More sharing options...
Kmlingo5 Posted December 29, 2016 Author Share Posted December 29, 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? 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. In regards to the quoted ext above. My friend finally received a letter from the CA, as follows: "Dear Person, ***** Memorial ER Physicians Date of Service: 01/26/2013 Patient: Friend's Name Amount Due: $495 This office has received your recent letter requesting verification of the outstanding account as listed above. Our original required first notification of this debt was mailed to you on 06/03/2013. The original required notification mailed to you stated, as per the FDCPA, that: Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion therefore, this office will assume the debt is valid. If you notify this office in writing within 30 days after receiving tghis notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. This communication is from a debt collector. This is an attempt to collect a debt and any information obtained shall be used for that purpose. No such written response from you has been received within the 30 day period, however this letter once again provides you with the following information as a result of your recent written inquiry. The original creditor is the same as the current creditor. The name of the creditor, patient account number, the original date of service and the current balance due is as follows: ***** Memorial ER Physicians Account ##### Date of Service: 01/26/2013 Patient: Friend's Name Balance Due: $495 This debt for services rendered is owed to the original creditor. Our office has been hired to collect the debt on the behalf of the original creditor. All authorizations for treatment and agreements to pay the charges for these services were made at the time of admission or treatment. " Is this proof that they have an established relationship with the OC? No copies of bills were included. Before I was made aware of the letter I filed a CFPB complaint, as you suggested(with caution) against EQ. EQ's response to the CFPB complaint basically said that the account was verified by the data furnisher and to contact them with any further questions. Thanks again! Quote Link to comment Share on other sites More sharing options...
Why Chat Posted December 29, 2016 Share Posted December 29, 2016 OK, I am getting confused between YOUR problems and your FRIEND's problems. As to your friend. Apparently this is a valid bill?? Did he have insurance?? If so, have him get his EOMB. As to YOUR "new" dings. Did you get any response to your initial disputes? Quote Link to comment Share on other sites More sharing options...
Kmlingo5 Posted December 30, 2016 Author Share Posted December 30, 2016 Sorry for the confusion. As to my friends accounts, she did not have insurance. As to my new dings, I haven't started the process yet. I kind of want a breather! Been eating, drinking and sleeping credit repair for a few straight months!! Lol Quote Link to comment Share on other sites More sharing options...
Why Chat Posted December 30, 2016 Share Posted December 30, 2016 I suggest your friend leave it alone for a while. If it is only reporting to one CRA she is lucky as it appears to be a valid bill being reported by a current business associate of the OC. Quote Link to comment Share on other sites More sharing options...
Kmlingo5 Posted April 4, 2017 Author Share Posted April 4, 2017 WhyChat, Your advice helped tremendously for all the medical accounts between my husband and myself! Thank You! Instead of making of making a new thread I am posting this here, an entirely new question. I followed your program fully for a medical bill with a 12/2011 date of service. No insurance. Nothing came of it, in January. I filed a BBB complaint against the JDB or CA(Junk Debt Buyer Associate's P.A.) Upon receiving this complaint they then sent a copy of services provided and who the OC is. My signature is nowhere in this document. Does not look to be faxed and amount owed is 0.00. The bill has "Bad debt write off" where the amount is zeroed out. Is this legit? Quote Link to comment Share on other sites More sharing options...
Why Chat Posted April 4, 2017 Share Posted April 4, 2017 NO, it is not legit. Why didn't you follow the program?? The BBB is NOT part of the program and they are USELESS when it comes to credit repair. If it is still on your reports start over. https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE%20HIPAA%20PROGRAM.html https://whychat.me/hipaadisp.html Quote Link to comment Share on other sites More sharing options...
Kmlingo5 Posted July 25, 2017 Author Share Posted July 25, 2017 (edited) Whychat, I am reviving this old thread because I now am clean of medical collections.....a big thanks to you! I am moving forward to using your SOL letter. I just wanted to make sure that I am able to use this for original creditors. I have two charged off accounts reporting a zero balance with a DOFD 11/2012 and one charge off reporting a balance DOFD 12/2012. I am ok to send the SOL to them? I have already disputed them via CRA's and they came back as updated. Once the OC's receive the letters I can then send the deletion request letter to the CRA's? CMRR or just Priority Mail? Thank you Edited July 25, 2017 by Kmlingo5 Quote Link to comment Share on other sites More sharing options...
Why Chat Posted July 25, 2017 Share Posted July 25, 2017 ??? Are you still opted out?? What dispute letter did you send to the CRAs?? This one?? https://whychat.me/initdispltrsol.html When did you send it?? Are these accounts reporting to all 3 CRAs?? No, the "SOL" letter is not applicable to original creditors as they are not included in the FDCPA Quote Link to comment Share on other sites More sharing options...
Kmlingo5 Posted October 15 Author Share Posted October 15 Well, howdy! I am making my way back to this forum after 7 years! I am about to use your method again to help out my current partner. Before I get started, I am reading in our previous discussions it wasn't advised to sign up for accounts(memberships) on the CRA's websites. However, it is now seeming like this is the only way to receive fast copies of credit reports. I will not be disputing online, I know that. Question remains if signing up for the accounts now is ok compared to 7 years ago. Otherwise I know to follow the guide! I was so thankful to receive all of your advice and due to that I have been a happy home owner for 6 years! Thanks again. Quote Link to comment Share on other sites More sharing options...
Why Chat Posted October 17 Share Posted October 17 It is OK for you to sign up to the CRAs but you will not be able to access your partner's data he would have to sign up in his own name. Double check the programs there may have been changes I made in the past 7 years- and congrats on your home purchase. Quote Link to comment Share on other sites More sharing options...
SeekerOfWisdom Posted October 21 Share Posted October 21 On 10/14/2024 at 9:47 PM, Kmlingo5 said: However, it is now seeming like this is the only way to receive fast copies of credit reports If you want fast copies without memberships, go to annualcreditreport.com Why Chat 1 Quote Link to comment Share on other sites More sharing options...
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