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Ken1720

New and Looking Med Collection Removal Clarification

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Posted (edited)
1 hour ago, Why Chat said:

Do you have any responses to whatever you sent out in Oct.??

 

If so, what were they??

 

Your current reports should show if you disputed any accounts.

 

If an account is still showing that you disputed and is notated disputed by consumer, you can go to the next step on those accounts-- the medical DV

  https://whychat.me/ltrcavalhipaa.html 

and the follow up dispute

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

Great way to check this. Thanks for suggesting it. 

EQ has a note with Collection #1 that reads in 'Remarks', "Consumer disputes this account information Medical" 

 

AND 

 

EX has a note with Collection #1 that reads in 'Comment', "Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)." and in 'Reinvestigation Information' reads, "This item remained unchanged from our processing of your dispute in Nov 2019."

 

Looks like I outsmarted myself and did file both. Still confused on how I got so confused with these two. But anyway, that is what I see. 

SO with what you said, looks like I have the go ahead for both the Medical DV and Follow up Dispute for both EQ and EX.

 

Should the Medical DV also be handwritten?? And still not sure what 'PM#' is?

Also, I'll rewrite the Pre-HiPPA Dispute Letter I had for EX with both Collection 1 and Collection 2. To only include Collection 2 and send it. 

Hopefully this straightens out my path again! Got a little winding there. Thank you!

Edited by Ken1720
clarification

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On 1/8/2020 at 11:14 PM, Ken1720 said:

Great way to check this. Thanks for suggesting it. 

EQ has a note with Collection #1 that reads in 'Remarks', "Consumer disputes this account information Medical" 

 

AND 

 

EX has a note with Collection #1 that reads in 'Comment', "Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act)." and in 'Reinvestigation Information' reads, "This item remained unchanged from our processing of your dispute in Nov 2019."

 

Looks like I outsmarted myself and did file both. Still confused on how I got so confused with these two. But anyway, that is what I see. 

SO with what you said, looks like I have the go ahead for both the Medical DV and Follow up Dispute for both EQ and EX.

 

Should the Medical DV also be handwritten?? And still not sure what 'PM#' is?

Also, I'll rewrite the Pre-HiPPA Dispute Letter I had for EX with both Collection 1 and Collection 2. To only include Collection 2 and send it. 

Hopefully this straightens out my path again! Got a little winding there. Thank you!

@Why Chat Hey Why Chat! I thought this may have gotten lost and I'm so close. Still looking to get these questions answered. Mainly what's highlighted if you're short on time. Sincere thanks as always. -Ken

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No the medical DV is NOT required to be handwritten, just the opposite, it needs to be professionally typed so that it could be used in legal proceedings. The PM # is the priority mail tracking #. Please  review ALL the instructions.

https://whychat.me/GUIDEBOOK.html

THESE INITIAL DISPUTE LETTERS ARE THE ONLY ONES YOU EVER SEND USING SPECIAL FONT OR HANDWRITTEN TO PREVENT AUTOMATED PROCESSING. EVERYTHING ELSE MUST BE PROPERLY TYPED AND BE BUSINESS LIKE AS THEY MAY BE USED IN COURT.

https://whychat.me/ltrcavalhipaa.html

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

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1 hour ago, Why Chat said:

No the medical DV is NOT required to be handwritten, just the opposite, it needs to be professionally typed so that it could be used in legal proceedings. The PM # is the priority mail tracking #. Please  review ALL the instructions.

https://whychat.me/GUIDEBOOK.html

THESE INITIAL DISPUTE LETTERS ARE THE ONLY ONES YOU EVER SEND USING SPECIAL FONT OR HANDWRITTEN TO PREVENT AUTOMATED PROCESSING. EVERYTHING ELSE MUST BE PROPERLY TYPED AND BE BUSINESS LIKE AS THEY MAY BE USED IN COURT.

https://whychat.me/ltrcavalhipaa.html

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

Ah, got it. My apologies, I do look around before I ask and did not see that! Thank you.

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On 1/10/2020 at 6:04 PM, Ken1720 said:

Ah, got it. My apologies, I do look around before I ask and did not see that! Thank you.

@Why Chat

 

For the Follow Up Letter, I have not received any 'snail mail' correspondence from either EQ or EX. For the following verbage in the letter 

 

'I have disputed this unknown medical account with the reporting Collection Agent, (copy enclosed with proof of their receipt), as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had no valid response.' 

 

What should I put considering I do have the dates of when I sent Pre-HIPAA dispute letters but, again, no correspondence from them. The only reason I knew they were received was seeing remarks on my credit report under the corresponding collection.

 

Thank you!

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The CRAs responded by reporting the accounts as disputed. Their standard instructions are always to contact the reporting entity. Just send the follow up dispute as suggested without changes. You can use the date of the entry as the date of response.

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On 1/26/2020 at 9:02 PM, Why Chat said:

The CRAs responded by reporting the accounts as disputed. Their standard instructions are always to contact the reporting entity. Just send the follow up dispute as suggested without changes. You can use the date of the entry as the date of response.

Thank you, WhyChat. That was actually my line of thinking. The issue was that I didn't see any date associated with the remark. Is there a way to find out other than calling them and asking? 

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On 2/1/2020 at 9:18 AM, Why Chat said:

Use the date of response as the date you saw it as disputed.

Understood! Still chipping away at this. Determined to get this handled.

 

Have received letter saying that it is verified as being my debt but still following through with the process.

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2 hours ago, Ken1720 said:

Understood! Still chipping away at this. Determined to get this handled.

 

Have received letter saying that it is verified as being my debt but still following through with the process.

Was this response a result of your initial dispute letter, or was it in response to the follow up dispute after you sent the medical DV to the CA?

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On 2/12/2020 at 5:49 PM, Why Chat said:

Was this response a result of your initial dispute letter, or was it in response to the follow up dispute after you sent the medical DV to the CA?

I was sent that response as a result of the initial dispute letter because it came from (this one that I'm looking at now) TU directly. Haven't gotten a response from the CA after their receipt of the medical DVs sent. 

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On 2/26/2020 at 12:24 PM, Ken1720 said:

In transparency, no I have not. Got a bit burnt out and slightly discouraged with other things happening simultaneously. I will be handling that this week/early next week. Still in this.

Hey @Why Chat , here is my thread.

 

Posting my question here...

 

This is the piece I've been missing (in reference to the address deletions). Can you edit this to only include passport, driver's license, and social security card that shows my current address? My name is still on the mortgage at the address that both my small collections are tied to but my passport and driver's license have my permanent address in another state. Will this work? I realized I'd been going through the steps incorrectly and hadn't had much success @Why Chat. I've opted out and are now going for address deletions. 

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OK, if it has been more than 90 days since you last sent any dispute to the CRAs you can start over.

As to the address deletions-- in your case skip it as you realistically can't delete addresses that you are currently using for any official documentation.

 

https://whychat.me/GUIDEBOOK.html

 

Send ( or resend) the initial dispute letter to the CRAs

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

https://whychat.me/hipaadisp.html

 

If it has been LESS than 90 days send the medical DV to the reporting CAs

https://whychat.me/ltrcavalhipaa.html

and send the follow up dispute to the CRAs

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

Edited by Why Chat

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