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DPB

Need Advice on DV Wording to CA

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I am helping a friend clean up his reports.

 

One collection reported is medical (dental). It was listed on all three CRA reports. Initial disputes were sent out to all 3 CRAs. EX & TU deleted the collection. EQ "verified."

 

My friend contacted the OC by phone after the initial disputes were mailed. The OC told him that the account had been removed from the CA and that nothing was owed. They even gave him an accounting statement. The statement has various line items for medical services provided. The final two entries are a credit adjustment with a description of " Year End Write Offs" followed by "Removed from Collections" about a week later.

 

Had proper research been done for the initial dispute, EQ should have deleted. Either EQ didn't correctly research the dispute, or the CA validated a debt that was removed from them. So I am preparing a DV for the CA using WhyChat's HIPAA method.

 

My question is, should I note the accounting statement in the DV? If yes, do I include a copy of the accounting statement with the DV? It is three pages long, and the first two pages have actual medical information (services rendered, medication prescribed, etc.) on pages one and two. Page three just has the two line items for the write-off and removal from the CA, but it says "Page 3 of 3" at the bottom. Can page three be included without the first two? Also, should I change some of the wording on the sample DV? Specifically anything calling this debt unknown and the medical service being alleged. Having the accounting statement shows that the debt is known and the service was performed, and that the debt was valid at one point (but no longer so).

Edited by DPB

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You should follow the WHOLE program for your friend-- not jump to the end.

https://whychat.me/GUIDEBOOK.html

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

 

Send the initial dispute letter to the CRA

https://whychat.me/hipaadisp.html

This will likely get it deleted

 

The reporting CA is most probably a JDB (junk debt buyer) who acquired the account data from a data miner and not from the OC dentist. A DV to a JDB is a waste of postage.

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1 hour ago, Why Chat said:

You should follow the WHOLE program for your friend-- not jump to the end.

https://whychat.me/GUIDEBOOK.html

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

 

Send the initial dispute letter to the CRA

https://whychat.me/hipaadisp.html

This will likely get it deleted

 

The reporting CA is most probably a JDB (junk debt buyer) who acquired the account data from a data miner and not from the OC dentist. A DV to a JDB is a waste of postage.

That’s the dispute that was sent to the 3 big CRAs. EX and TU deleted. EQ verified. I suspect that they didn’t even contact the CA

The CA is not a JDB. They were contracted to collect on behalf of the OC. The OC owned the debt the whole time. Verified this directly with the OC who was more than happy to provide an accounting statement that says the debt was removed from the CA, who is listed by name. 

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57 minutes ago, Why Chat said:

OK send the medical DV to the dumb CA

 

https://whychat.me/ltrcavalhipaa.html

 

Send the follow up dispute to Eq;

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

 

PLEASE MAKE SURE YOUR FRIEND IS OPTED OUT, OTHERWISE HIS DATA WILL MIGRATE TO DATA MINERS AND CAUSE HIM PROBLEMS IN THE FUTURE

Thanks. I’m out of town, but I’ll have him do that when I get back. 

And yes, he’s opted out. That was the first thing done. 

Edited by DPB

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