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Creditors Discount & AUD on my accounts twice for same service

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Creditors Discount & AUD is listed on my credit reports twice for the same service: two slightly different balances, two different account numbers and open dates. I DV'd one of the accounts months ago, they validated and I left it alone. A couple months this duplicate account pops up. Original Creditor is Foundation Emergency Services. There's no way these can be two separate services/accounts. 

 

I'm thinking I should disputed directly with CRA for inaccurate info. Any strategy advice?

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What was the date of the medical services?

 

Follow the guides;

https://whychat.me/GUIDEBOOK.html

 

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

Sending each CRA the initial dispute letter (list ALL medical accounts as they appear on the report you are disputing)

https://whychat.me/hipaadisp.html

 

This should get you the results you need. Come back to this post for additional help if you need it.

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43 minutes ago, Why Chat said:

What was the date of the medical services?

 

Follow the guides;

https://whychat.me/GUIDEBOOK.html

 

https://whychat.me/GUIDE HIPAA PROGRAM.html

 

Sending each CRA the initial dispute letter (list ALL medical accounts as they appear on the report you are disputing)

https://whychat.me/hipaadisp.html

 

This should get you the results you need. Come back to this post for additional help if you need it.

 

Open Date for 1: Jul 2017

Open Date for 2: May 2018

 

Thank you!

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What date do YOUR records show for the dates of service?? What date does your EOMB (explanation of medical benefits) from your insurance show?? The dates provided on your reports from the CAs are the dates THEY received the accounts.

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This wasn’t covered by insurance. My next task is to figure out actual dates of service, because it’s been a couple years. How will dates help in my dispute? Literally asking to learn! 

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8 hours ago, Innocent_Kiss said:

This wasn’t covered by insurance. My next task is to figure out actual dates of service, because it’s been a couple years. How will dates help in my dispute? Literally asking to learn! 

WERE you insured at the time?? If your insurance DENIED the claim they would still have a record of the dates. The date of medical service is important because if it was more than 2 years ago it is VERY unlikely it is being reported by a CA who has authorization to do so,plus the OC would no longer have any records in their "active" computer files to provide any valid information. AND if it is more than 4 years old it is past the time when ANY "legal" claim could be made by anyone. 

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On 7/28/2019 at 9:16 AM, Why Chat said:

WERE you insured at the time?? If your insurance DENIED the claim they would still have a record of the dates. The date of medical service is important because if it was more than 2 years ago it is VERY unlikely it is being reported by a CA who has authorization to do so,plus the OC would no longer have any records in their "active" computer files to provide any valid information. AND if it is more than 4 years old it is past the time when ANY "legal" claim could be made by anyone. 

Got it, thanks! We didn't have health insurance coverage at the time (why we resulted to ER visit for care.) My thought was to call OC directly but I honestly can't find any information on original creditor. Other than name, they don't list any other OC information. The OC isn't listed as the hospital, either. I'm guessing Foundation Emergency Services handles hospital's internal billing.

 

Edited to add: I just called hospital financial department and they in fact do work with OC. They also gave me their number. Should I call OC for dates of service? Unfortunately, I failed to keep records for myself. Major fail! Information on OC is so confusing. I Google'd their number and there's a few different companies with the same number.

Edited by Innocent_Kiss

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If you want to take the advice on this forum then do so, if not and you continue to try to "call" people and ruin your chances of getting rid of these accounts then do so. 

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2 hours ago, Why Chat said:

If you want to take the advice on this forum then do so, if not and you continue to try to "call" people and ruin your chances of getting rid of these accounts then do so. 

Not trying to ruin my chance of getting rid of the accounts of course, just trying to figure out dates of services since I failed to keep my personal records up to date. Thanks for the advice. 

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Just follow the guides. If the medical service occurred so long ago that you can't remember when it was then it is more than likely that your initial dispute letters(after opting out and deleting old addresses) will get them deleted.

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So! I stayed off of the phone :) 

 

After some digging, they aren't duplicate accounts. Here's the thing:

 

For one of the accounts, I'm going to follow your guide. It turns out that I did have medicaid coverage for the second visit, they just failed to bill them and billed me instead.

 

For the first collection, I requested validation from CA about a year ago (before I knew about your guide and before the second account was on my reports). The CA validated (they sent OC and amount due essentially) and the collection was updated with "meets FCRA requirements" shortly after. Any feed back on how to proceed with this particular account? Ugh, I wish I would have known about the guide back then.

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OK, let's get back to basics;

OPT OUT AND DELETE OLD ADDRESSES

https://whychat.me/GUIDEBOOK.html

 

What was the date of medical service for for the 1st account.

What was the date of service for the "medicaid covered" account.

 

On the Medicaid covered account did you provide the data on your coverage to the OC at the time of service?

Did you get ANY notice from Medicaid that the medical services were or were not covered??

 

The information you obtained doesn't change ANYTHING in how you proceed. You should follow the guides for BOTH the accounts. How old they are and whether or not they were covered by Medicaid or not does NOT affect how you should proceed.

 

It will be what the RESPONSES from the CRAs and the CAs are that count. It is possible that both the accounts will be deleted with your initial dispute letter. It is possible that they won't. 

 

Just follow the guides, send the initial dispute letter to the CRAs listing ALL medical accounts as they appear on the report you are disputing. https://whychat.me/hipaadisp.html

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On 7/31/2019 at 3:51 PM, Why Chat said:

OK, let's get back to basics;

OPT OUT AND DELETE OLD ADDRESSES

https://whychat.me/GUIDEBOOK.html

 

 

What was the date of medical service for for the 1st account.

What was the date of service for the "medicaid covered" account.

 

On the Medicaid covered account did you provide the data on your coverage to the OC at the time of service?

Did you get ANY notice from Medicaid that the medical services were or were not covered??

 

The information you obtained doesn't change ANYTHING in how you proceed. You should follow the guides for BOTH the accounts. How old they are and whether or not they were covered by Medicaid or not does NOT affect how you should proceed.

 

It will be what the RESPONSES from the CRAs and the CAs are that count. It is possible that both the accounts will be deleted with your initial dispute letter. It is possible that they won't. 

 

Just follow the guides, send the initial dispute letter to the CRAs listing ALL medical accounts as they appear on the report you are disputing. https://whychat.me/hipaadisp.html

I've opted out and deleted old addresses.

 

What was the date of medical service for for the 1st account: 04/2017

What was the date of service for the "medicaid covered" account: 09/2017

 

On the Medicaid covered account did you provide the data on your coverage to the OC at the time of service? Yes, during registration, they took our insurance cards and ID!

 

Did you get ANY notice from Medicaid that the medical services were or were not covered?? No, we typically don't actually. We were under a no cost whatsoever plan as long as we went to a provider in our network, which OC was.

 

It will be what the RESPONSES from the CRAs and the CAs are that count. It is possible that both the accounts will be deleted with your initial dispute letter. It is possible that they won't. Understood!

 

Just follow the guides, send the initial dispute letter to the CRAs listing ALL medical accounts as they appear on the report you are disputing. https://whychat.me/hipaadisp.html Will do! Thank you!

 

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Although you don't get notices from Medicaid they should still have a record if anything was submitted and paid or not. Ask them for any record they have for your account for the 9/2017 .

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It's me again :( 

 

I've been following the HIPAA guide. CRA verified account. CA sent validation for both. If these were legitimate I'd probably give up by now. 

 

The insurance coverage network we were under is no longer in business, so getting EOMB or any other records seems impossible at this point. Even if I wanted to pay the original creditor instead, per the guide, there's no information about them anywhere. Validation the CA sent literally only lists OC's name but no address or phone number.

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On 10/2/2019 at 4:04 PM, Innocent_Kiss said:

It's me again :( 

 

I've been following the HIPAA guide. CRA verified account. CA sent validation for both. What kind of validation?? A copy of the account data??If these were legitimate I'd probably give up by now. 

 

The insurance coverage network we were under is no longer in business, so getting EOMB or any other records seems impossible at this point. Even if I wanted to pay the original creditor instead, per the guide, there's no information about them anywhere. Validation the CA sent literally only lists OC's name but no address or phone number.

You opted out and deleted old addresses?

https://whychat.me/GUIDEBOOK.html

You sent the initial dispute letters to the CRAs?? (is it reporting to all 3 CRAs?)

https://whychat.me/hipaadisp.html

You sent the medical DV to the CA??

https://whychat.me/ltrcavalhipaa.html

You sent the follow up dispute to the CRAs?

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

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9 hours ago, Why Chat said:

You opted out and deleted old addresses? Yes

https://whychat.me/GUIDEBOOK.html

 

You sent the initial dispute letters to the CRAs?? (is it reporting to all 3 CRAs?) It was only reporting to Experian and Equifax. Equifax fell off. Experian is stubborn.

https://whychat.me/hipaadisp.html

 

You sent the medical DV to the CA?? Yes!

https://whychat.me/ltrcavalhipaa.html

 

You sent the follow up dispute to the CRAs? This is what missing! TY! But doesn't CA's validation/account statement (see below) counts as a "valid response"?

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

 

9 hours ago, Why Chat said:

What kind of validation?? A copy of the account data??I

 

For validation, it looks like some type of Account Statement? It includes:

  • Account Number
  • Original Creditor
  • Patient Name, DOB
  • Description of service: "Emergency Department V"
  • Balance: $470
  • Doctor Seen
  • Insurance + Policy #

 

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Unless the account statement from the CA is dated within the past year== it is NOT a valid response. In order for it to be a valid response there must be documentation of a current business relationship between the OC and the CA

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File a complaint against Ex with the CFPB

https://whychat.me/hipaaftccomp.html

 

Make sure you state that Ex was the ONLY CRA that refused to delete this account that had been paid by Medicaid. Check your Ex report to see if it is being reported as "disputed by consumer" if it is NOT so noted, add that information to the complaint.

 

Edited by Why Chat

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They still won’t budge — and they’re lying. 
 

Filed CPFB Complaint. Experian responded that one of the accounts no longer appeared (which it does) and that they would reinvestigate, follow up with results and provide an updated copy of credit report. Instead, they sent a pre-made post card explaining their role in the dispute process. I also noticed they changed the account numbers (both have the same account numbers now.) 

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Wait until you get an updated report and see if you have been looking at an older report when you were checking. ( HOW were you checking??)

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1 hour ago, Innocent_Kiss said:

I have a paid subscription with Experian. My other reports refresh quarterly but I can see my Experian reports and scores daily. 

You may have a paid subscription BUT you also may not be seeing daily updated reports.

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