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Kaijo

5 Collection Accounts- Why Chat’s Method

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I figured I would log the process online for any questions that will inevitably arise.

 

I have a total of 5 medical collection accounts held by 2 CA’s (Account Resolution Services and Specialized Collection Systems.)

 

Here is how they are reporting to the 3 major CRA’s:

 

Equifax:

I).     Specialized Collection Systems

         Amount Owed: $250

         Within SOL based upon reported DOFD

II).    Specialized Collection Systems

         Amount Owed: $600

         Within SOL based upon reported DOFD

III).   ARS Account Resolution    

         Amount Owed: $1,400

         Within SOL based upon reported DOFD

IV).  ARS Account Resolution    

         Amount Owed: $1,600

         Within SOL based upon reported DOFD

V).    ARS Account Resolution    

         Amount Owed: $500

         NOT within SOL based upon reported DOFD

 

  Experian:

I).      ARS Account Resolution S

          Amount Owed: $1,400

          No DOFD reported

II).     ARS Account Resolution S

          Amount Owed: $1,600

          No DOFD reported

III).     ARS Account Resolution S

          Amount Owed: $500

          No DOFD reported

 

Transunion:

I).      ARS

          Amount Owed: $1,400

          Within SOL based upon “placed for collection” date

II).      ARS

          Amount Owed: $1,600

          Within SOL based upon “placed for collection” date

 

*Please note that all 5 accounts are titled exactly as they appear per report.

**Account Resolution Services is NOT bonded in Texas (my state of residency prior to accounts existing.)

 

Progress:

I am currently opted-out.  My initial dispute was sent out today (5-13-19) using Why Chat’s Dispute Form with all content written with a blue ball point pen.

          

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If you are using the starting date of the collection account as the  DOFD you are off by AT LEAST 6 Months. That date is the date the CA acquired the account not the date of medical service.

 

If you were insured at the time try to get your EOMBs from your insurance Co. they are required to keep records for 5 years.

 

The SOL for being sued for medical accounts in Tx is 4 years. The accrual (starting) date is the date of medical service.

https://whychat.me/States/state-tx.html

 

Hopefully you have been following ALL the steps in the program;

https://whychat.me/GUIDEBOOK.html

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On 5/14/2019 at 7:53 AM, Why Chat said:

If you are using the starting date of the collection account as the  DOFD you are off by AT LEAST 6 Months. That date is the date the CA acquired the account not the date of medical service.

Good to know as I was using the date provided by the CA (prior to beginning your process.)

On 5/14/2019 at 7:53 AM, Why Chat said:

 

If you were insured at the time try to get your EOMBs from your insurance Co. they are required to keep records for 5 years.

Unfortunately, I was not insured.

On 5/14/2019 at 7:53 AM, Why Chat said:

 

The SOL for being sued for medical accounts in Tx is 4 years. The accrual (starting) date is the date of medical service.

https://whychat.me/States/state-tx.html

 

Hopefully you have been following ALL the steps in the program;

https://whychat.me/GUIDEBOOK.html

I have except that I have not deleted all previous addresses.  I understand this step to be optional.

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I just received a response from from Experian in regards to my initial dispute.  It seems they are not willing  to investigate in my dispute unless I provide additional information as they are claiming “We have previously processed this dispute and the credit grantor has verified it’s accuracy.”

 

While I have previously disputed these accounts, I certainly did not request, nor was provided, details such as the dates and types of services provided, name of the person providing the data, and the manner in which the data was provided.  If I’m not mistaken, these details are essential in establishing a documented relationship between the reporting CA and the health care provider.

 

What should my next move be with Experian?

 

 

 

 

 

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Posted (edited)

Is the account ONLY on Experian?? What was the response from TU and Eq on your initial disputes?

Did you send them ALL the initial dispute letter ;https://whychat.me/hipaadisp.html AFTER opting out and deleting old addresses; https://whychat.me/GUIDE HIPAA PROGRAM.html  If so, then the next step in the HIPAA letter program ;https://whychat.me/hipltr.html is to send the reporting CA (s)the medical DVhttps://whychat.me/ltrcavalhipaa.html ,and to send Experian and any other CRA the follow up dispute;   https://whychat.me/ltrcavalhipaa.html#DISPUTE

as soon as you have proof of receipt

Edited by Why Chat

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6 hours ago, Why Chat said:

Is the account ONLY on Experian?? What was the response from TU and Eq on your initial disputes?

This is the first response I have received back although I have disputed these same accounts with all 3 CRA’s.  I’m still waiting to see the results from TU and EX.

6 hours ago, Why Chat said:

Did you send them ALL the initial dispute letter ;https://whychat.me/hipaadisp.html AFTER opting out and deleting old addresses; https://whychat.me/GUIDE HIPAA PROGRAM.html 

 

Yes, still waiting on results from the other 2

6 hours ago, Why Chat said:

 

If so, then the next step in the HIPAA letter program ;https://whychat.me/hipltr.html is to send the reporting CA (s)the medical DVhttps://whychat.me/ltrcavalhipaa.html ,and to send Experian and any other CRA the follow up dispute;   https://whychat.me/ltrcavalhipaa.html#DISPUTE

as soon as you have proof of receipt

Thanks a million!  

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I’m preparing the medical DV’s.  I understand that each bureau being reported to by any specific CA needs an individual letter, although they can be mailed together in the same envelope.  Is this limited to individual accounts?  ARS is reporting 3 accounts to EQ, 3 accounts to EX, and 2 accounts to TU.  Does each account need an individual letter?  For example, can 1 letter address both accounts being reported to TU by ARS?  

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11 hours ago, Kaijo said:

I’m preparing the medical DV’s.  I understand that each bureau being reported to by any specific CA needs an individual letter, although they can be mailed together in the same envelope.  Is this limited to individual accounts?  ARS is reporting 3 accounts to EQ, 3 accounts to EX, and 2 accounts to TU.  Does each account need an individual letter?  For example, can 1 letter address both accounts being reported to TU by ARS? Yes 

 

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I just received a response from EQ and EX in response to the follow up dispute.

To summarize:

EQ:  unable to locate a credit file in their database with the identification number I provided.  I provided a copy of my social security card along with my driver’s license.  EQ wants me to mail this form back to them along with proper identification (already provided.)

 

EX:  Notified by one or more CRA’s that my credit report is inaccurate due to fraud.  A temporary Initial Security Alert has been added to my file.  

 

Needless to say, I did not file any fraud alert.  Are these simple tactics to delay an appropriate response or is this this the only response I’m receiving in regards to my follow up dispute with EQ and EX?

 

Please note, TU already deleted all accounts I was concerned with so they did not receive a follow up dispute.  

 

Any advice on what my next course of action should be?

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You may have a "split file" or you may have actually had your ID stolen. OR the CRAs are responding in the only way they know how when they have to deal with a dispute that can't be handled by their automated computer systems. Wait 2 weeks and see if you can get a fresh report and/or you get a follow up response from the CRAs

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I have received a new report from Experian (all collection accounts remaining.)  I also received a letter from ARS stating they received my request to freeze my information in their files, yet they cannot complete this until I send them a copy of my updated state ID with my current address.  Needless to say, I’ve only sent what you have instructed me to do so.

 

TU deleted the 2 CA’s on my report (ARS)-  No paperwork was sent acknowledging this.

 

EQ deleted all SCS accounts on my report- No paperwork sent acknowledging this.

 

 

It also appears that a new CA has appeared on EX and EQ reports.  Commonwealth Financial Systems.  I’m assuming I need to complete the original process before I address this account, correct?

 

So regarding the 3 ARS accounts remaining on EQ and EX, how do I proceed from here?  

 

As Always,

Thanks!

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OK-- let me try to understand where you are. You followed the HIPAA program and both TU and Eq deleted all the disputed accounts.

 

Ex did not delete anything??

 

Are you sure you are still opted out?? REDO the opt out.

 

File a complaint against Ex with the CFPB

https://whychat.me/hipaaftccomp.html

 

How are you accessing your updated reports?? Double check your reports via the "back door" if possible or pay for new reports. DO NOT rely on 3rd party reporting like Credit Karma.

Is the "new" CA reporting a medical account??

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13 hours ago, Why Chat said:

OK-- let me try to understand where you are. You followed the HIPAA program and both TU and Eq deleted all the disputed accounts.

I followed the program all the way to sending the follow-up dispute to the CRAs.  TU deleted all accounts (3 from ARS).  3 accounts disappeared from EQ (SCS) leaving me with 3 ARS accounts on my EQ report.  

Quote

 

Ex did not delete anything??

EX has not deleted anything.  3 ARS accounts remain plus a new account from CFS (medical.)

Quote

 

Are you sure you are still opted out?? REDO the opt out.

I should be but I just opted out again.

Quote

 

File a complaint against Ex with the CFPB

https://whychat.me/hipaaftccomp.html

Will do.  Should I not file a complaint against EQ?  They said they were unable to locate my credit file although 3 SCS accounts disappeared.

Quote

 

How are you accessing your updated reports?? Double check your reports via the "back door" if possible or pay for new reports. DO NOT rely on 3rd party reporting like Credit Karma.

Is the "new" CA reporting a medical account??

I’ve been relying on Credit Karma and the updated reports the CRA’s send me.  I’m not too familiar with the “back door” policy.  I’ll go buy new reports unless I can figure out the back-door method.

 

Yes, the newly reporting account on EQ and EX is a medical account from Commonwealth Financial Systems.

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OK, get your "real reports" before you do anything. The "back door" method is only available if you have a RECENT real report with a report ID # directly from a CRA.

 

Is the newly reporting account on EQ and EX a duplication of any prior account?? What was the date of medical service on the newly reporting account??

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1 hour ago, Why Chat said:

OK, get your "real reports" before you do anything. The "back door" method is only available if you have a RECENT real report with a report ID # directly from a CRA.

I now have 3 real reports directly from the CRA’s.

Quote

Is the newly reporting account on EQ and EX a duplication of any prior account?? What was the date of medical service on the newly reporting account??

It doesn’t appear to be a duplicate based upon all the data provided.  EQ listed the DoFD as 12/16 so I’m assuming it was around mid 16’.

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Are these medical accounts all from the same OC (original health care provider)?? You said in an earlier post that you had NO insurance for accounts that were 4 years old. Did you have ANY insurance in 2016?? Were you eligible then (or previously in 2014-2015) for assistance?? Are any of these accounts over $500?? Would your credit reports indicate that you are vulnerable to being sued, IE do you have assailable assets or garnishable wages??

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18 minutes ago, Why Chat said:

Are these medical accounts all from the same OC (original health care provider)??  

3 of the accounts are from the same OC.  Only the new account is from a different OC.

 

You said in an earlier post that you had NO insurance for accounts that were 4 years old. Did you have ANY insurance in 2016??

Unfortunately not.

 

Were you eligible then (or previously in 2014-2015) for assistance??

While I did not have health insurance, there is a strong chance I would have been eligible for state/federal assistance, if this is what you are referring to. 

 

Are any of these accounts over $500?? Would your credit reports indicate that you are vulnerable to being sued, IE do you have assailable assets or garnishable wages??

3 of the four accounts are over $500.  I don’t believe my credit report would indicate that I’m a good candidate to sue as I have no large assets such as properties.  However so, I do have 1 large CO (revolving acct) I planned on tackling as soon as the collection accounts were put to rest.  I don’t think I’m at risk of wage garnishment either as I’m a resident of Texas.  However so, I’m trying to get everything resolved so that I may once again purchase a home.

 

 

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Posted (edited)

OK, Do you NOW have health insurance??

 

Were any of these medical accounts with a hospital, and if so were you offered the opportunity to apply for assistance at the time of medical service??

 

Go ahead and send the initial dispute letter to the CRAs on the new account.

Does your Eq account ( real one) show all of the same data that your Credit Karma one did??

Check ALL your real reports carefully for discrepancies such as unknown addresses, misspelling of your name alternate SS#s etc. Check to see if the accounts you disputed are notated as "disputed by consumer".

Edited by Why Chat

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2 hours ago, Why Chat said:

OK, Do you NOW have health insurance??

No but I will once Open Enrollment comes. 

Quote

 

Were any of these medical accounts with a hospital, and if so were you offered the opportunity to apply for assistance at the time of medical service??

I believe all of these accounts were with a hospital (ER).  I do not believe I was offered the opportunity to apply for assistance at the time of medical service.

Quote

 

Go ahead and send the initial dispute letter to the CRAs on the new account.

Does your Eq account ( real one) show all of the same data that your Credit Karma one did??

Check ALL your real reports carefully for discrepancies such as unknown addresses, misspelling of your name alternate SS#s etc. Check to see if the accounts you disputed are notated as "disputed by consumer".

Ex: “real report”shows the 3 disputed accounts notated “Account in dispute reported by subscriber” and “Account information disputed by the consumer under the Fair Credit Reporting Act.”

EX “real report” discrepancies:

-1 incorrect spelling of my name under “Also Known As.”   Previous report (annualcreditreport) showed 2 incorrectly spelled variations.

-2 old addresses.  Previous report (annualcreditreport) showed 9 old addresses and I’ve never requested any to be deleted.

-1 unrecognized phone number.

 

”Personal Statement” on report indicates a security alert has been placed on my account for 1 year.

 

EQ:  “real report” shows 2 notations of “file blocked for promotional purposes” and 2 notations for “fraud alert.”

-Each of the 3 previously disputed ca’s show “consumer disputes this account information.”

-1 incorrect spelling of my name listed under “formerly known as.”

 

Everything else seems to be normal 

 

 

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Before you dispute anything else fix the errors and get the old addresses deleted. You can't repair something until you clean it up first.

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Ok Why Chat,

 

I’ve been working on getting everything deleted per your advice.  I’ve been 100% successful with EQ and TU.  
 

EX deleted all extra information except a few addresses attached to trade-lines.  I even followed the advice outlined in ‘The Master how to delete old addresses from Experian’ thread.  They refuse to budge.   
 

Am I able to proceed with your technique now and if so, where do I begin? 
 

I still have 4 CA’s with EQ and EX.

 

Also, 2 previous CA’s just reappeared in my TU report.  These were previously removed after your initial dispute letter was sent although they never sent me a response as to why they were removed.  
 

To add the the craziness, the reappearance of these 2 CA’s resulted in almost a 100 point gain according to VantageScore..  

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As to the 2 CAs that reappeared-- Are they on any other reports that you have disputed??

Send the 2 CAs the medical DV

https://whychat.me/ltrcavalhipaa.html

and as soon as you have proof of receipt send the CRA(s) the follow up dispute

https://whychat.me/ltrcavalhipaa.html#DISPUTE

 

Send dispute letters to Ex for all medical accounts

https://whychat.me/hipaadisp.html

 

If the accounts remaining on Eq have been disputed, send those CAs the medical dv and then send Eq the follow up dispute.

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3 hours ago, Why Chat said:

As to the 2 CAs that reappeared-- Are they on any other reports that you have disputed??

Yes, these same 2 CA’s are also on my EQ and EX report (both previously disputed using your process.).  TU was the only CRA to remove them but now they’re back.  

 

3 hours ago, Why Chat said:

Send the 2 CAs the medical DV

https://whychat.me/ltrcavalhipaa.html

and as soon as you have proof of receipt send the CRA(s) the follow up dispute

https://whychat.me/ltrcavalhipaa.html#DISPUTE
 

Ok, will do!

3 hours ago, Why Chat said:

 

Send dispute letters to Ex for all medical accounts

https://whychat.me/hipaadisp.html

 

If the accounts remaining on Eq have been disputed, send those CAs the medical dv and then send Eq the follow up dispute.

Both EQ and EX have 3 previously disputed accounts plus 1 recently added account.  If I’m understanding correctly, I’ll send them both the initial dispute for all 4 accounts?

 

Thanks a million! 

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12 hours ago, Why Chat said:

NO! Only send the initial dispute letter to the CRA(s) on accounts that have NOT been previously disputed.

On all others send the reporting CAs the medical DV;

https://whychat.me/ltrcavalhipaa.html

and as soon as you have proof of receipt send the CRA(s) the follow up dispute

https://whychat.me/ltrcavalhipaa.html#DISPUTE

Ok great!  👍

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