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The last post in this topic was posted 1558 days ago. 

 

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Helping a friend with 2 small medical collections with 2 different companies. Both are under $150. The alleged debts are from 2015.

 

Steps taken:

No address deletion since she's lived at the same address for more than a decade.

Sent initial medical dispute letters 43 days ago via USPS Priority Mail to Transunion, Equifax, and Experian.

Transunion and Experian deleted the accounts and sent written confirmation.

Equifax has not sent anything. Both collections are still listed. According to tracking, they received the dispute letters more than 30 days ago.

One of the collection agencies has been calling her. She has not answered their calls. No written communication from the agencies.

 

Should I advise her to wait longer, resend Equifax the letter, or file a complaint?

 

Thanks.

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Should I have her leave in the language about "per your instructions in your response" even though Eq never responded? I will have her send the follow-up to Eq and the medical dv to the agencies.

 

She does not have her EOMBs from the insurance carriers. I will ask her to contact the carrier for them.

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Have her get her EOMBs before doing anything further.

 

When she DOES send out the follow up dispute it should not be changed .Just eliminate any reference to a date of any response.

 

The medical DV must be sent FIRST and THEN a follow up dispute to the CRAs which would include a copy of the medical DV

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Update:

 

She called the insurance carrier and the amounts of the 2 medical collections are accurate. They will mail the EOMBs.

 

She qualified for a hospital program and they paid what the insurance didn't cover. It just took time for the different departments to get updated/paid or whatever. She received confirmation in the mail yesterday that all the bills are paid.

 

As previously mentioned, Transunion and Experian deleted the collections with the first medical dispute letter and sent deletion confirmation along with new credit reports.

 

Equifax never responded and the collections are still listed. They received the medical dispute in November.

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