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kleangreen

Few questions on HIPAA method

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I'm following Whychats HIPAA method and just have a few questions on some details. 
Here is where I'm at:

1 account -  Medical, small amount less than $250

 

Using whychat HIPAA process:

1. Sent Dispute Letter to all CRAs

2. It was Deleted from 2 out of the 3 main CRA's.

3. A few weeks after receiving notification from CRA of the deletions (2 out of 3 bureaus), Received validation letter from CA verifying the account.

 

I will proceed with sending the HIPAA letter to Original Healthcare provider using insert A. This I understand.

 

Questions:

A couple years ago, not knowing the HIPAA process I disputed this with the CA and they validated it. Does this cause any issue with the legal basis for HIPAA process at present?

The validation I received from CA (and what's reporting on credit report) includes interest from CA. What amount do I send to OC (healthcare provider), original amount or amount with interest?

Finally, validation letter I received from CA has my name, original provider, provider account number and amounts. Does this provide enough to establish the HIPAA violation? 

 

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16 hours ago, kleangreen said:

I'm following Whychats HIPAA method and just have a few questions on some details. 
Here is where I'm at:

1 account -  Medical, small amount less than $250

 

Using whychat HIPAA process:

1. Sent Dispute Letter to all CRAs

2. It was Deleted from 2 out of the 3 main CRA's.

3. A few weeks after receiving notification from CRA of the deletions (2 out of 3 bureaus), Received validation letter from CA verifying the account.

 

I will proceed with sending the HIPAA letter to Original Healthcare provider using insert A. This I understand. NO NO NO

 

Questions:

A couple years ago, not knowing the HIPAA process I disputed this with the CA and they validated it. Does this cause any issue with the legal basis for HIPAA process at present? NO

The validation I received from CA (and what's reporting on credit report) includes interest from CA. What amount do I send to OC (healthcare provider), original amount or amount with interest?

Finally, validation letter I received from CA has my name, original provider, provider account number and amounts. Does this provide enough to establish the HIPAA violation?  NO

 

You have skipped some basic steps.

https://whychat.me/GUIDEBOOK.html

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

 

Unless the "validation" from the CA includes a CURRENT account record it is NOT "validation".

The fact that 2 of the 3 CRAs deleted the account is a sure sign that it is NOT a valid account.

 

If the date of medical service is more than 2 years ago any payment you make to the OC will be (at best) returned to you or if kept will not have any affect on the entry with the remaining CRA.

 

Send the CA the medical DV

https://whychat.me/ltrcavalhipaa.html

send the remaining CRA the follow up dispute

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

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Thanks Whychat. I've actually already executed the pre-requisite steps in your links. I've spent quite bit of time reading your fantastic stuff over the last couple months, deleting old Addresses, opting out, etc. 

 

I've already sent the hand written disputes to CRA via your PM process, as mentioned, 2 out of 3 CRA immediately got deleted less than 1 week after receiving the dispute. I then subsequently received a recent letter (few weeks after the disputes to CRA) from the CA that they investigated and account is reported accurately. There is no date of service on the response from CA. The date of service reported from CA to CRA is just over 2 years with a current report date to CRA each month. 

Based on your feedback I'll send the CA the DV and follow up with CRA dispute.

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Do you have, or can you obtain your EOMBs from your insurance Co for that date?? If so, try to see if the account is (or was) valid. Your OP health care provider would no longer have the account in their active data file and if the CA in their response did not provide FULL & ACCURATE account information it means they are NOT in a current business relationship with the OP and have no right to report as they could not have obtained the HIPAA release.

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23 hours ago, Why Chat said:

Do you have, or can you obtain your EOMBs from your insurance Co for that date?? If so, try to see if the account is (or was) valid. Your OP health care provider would no longer have the account in their active data file and if the CA in their response did not provide FULL & ACCURATE account information it means they are NOT in a current business relationship with the OP and have no right to report as they could not have obtained the HIPAA release.

 

I did find the old EOMB and it does look like it is / was valid according to that document at least.

The response from CA has: patient, provider (OP), provider acct, acct number, acct id, amount and interest.

 

A new development also just happened as I just checked my reports again. I actually had 2 small medical collections, I had thought I had the other one dealt with as at one time it was not on any CRA's, briefly.

 

Pre-disputes:

Medical account A: less than $150

Originally Reporting to EQX, Exp

Medical account B: less than $200

Originally Reporting to: Exp

 

Disputed medical account A and B with EQX and EXP. EXP deleted both accounts. EQX said the the account (A) was valid and I received the response from CA regarding account A saying account is accurate. This is the account I opened the thread on.

 

Upon checking today, now medical account A is reporting to TU in addition to EQX.

Now medical account B is reporting to TU.

 

Current status after disputes:

Medical account A: 
Reporting to EQX, TU

 

Medical account B:
Reporting to: TU

 

Your opinion on my below plan is much appreciated.

For account A, since I've already received a response from CA from the EQX and EXP disputes, should I now proceed in disputing it via TU since its now being reported? In parallel should I send the Medical DV to account A? I was also thinking of including the DELETED response from EXP when disputing with TU.


For account B, Should I just proceed with the hand written Dispute with TU? This is also just over 2 years old. I never received a response from CA on this when disputing it with EXP who deleted it quickly.

 

Lastly, with all this going on, I'm in the middle of getting a mortgage loan. Lender pulled credit when only 1 account was showing on 1 CRA and didn't seem to have any issue, because my score is still fairly high, however I'm not sure if I should tread lightly on this during mortgage underwriting process. Hopefully this all makes sense and isn't too much detail.

Edited by kleangreen
grammer

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On 11/2/2019 at 3:12 PM, Why Chat said:

Do you have, or can you obtain your EOMBs from your insurance Co for that date?? If so, try to see if the account is (or was) valid. Your OP health care provider would no longer have the account in their active data file and if the CA in their response did not provide FULL & ACCURATE account information it means they are NOT in a current business relationship with the OP and have no right to report as they could not have obtained the HIPAA release.

I did find the old EOMB and it does look like it is / was valid according to that document at least.

The response from CA has: patient, provider (OP), provider acct, acct number, acct id, amount and interest.

 

A new development also just happened as I just checked my reports again. I actually had 2 small medical collections, I had thought I had the other one dealt with as at one time it was not on any CRA's, briefly.

 

Pre-disputes:

Medical account A: less than $150

Originally Reporting to EQX, Exp

Medical account B: less than $200

Originally Reporting to: Exp

 

Disputed medical account A and B with EQX and EXP. EXP deleted both accounts. EQX said the the account (A) was valid and I received the response from CA regarding account A saying account is accurate. This is the account I opened the thread on.

 

Current status after disputes:

Medical account A: 
Reporting to EQX, TU

 

Medical account B:
Reporting to: TU

 

For account A, since I've already received a response from CA from the EQX and EXP disputes, should I now proceed in disputing it via TU since its now being reported? In parallel should I send the Medical DV to account A for there validation of EQX? Any value in including the "deletes" response from EXP to any the new TU disputes?


For account B, Should I just proceed with the hand written Dispute with TU? This is also just over 2 years old. I never received a response from CA on this when disputing it with EXP who deleted it quickly.

 

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What were the dates of service on ALL these medical accounts as shown on your EOMBs??

What do your EOMBs show as YOUR financial responsibility?

Check your credit card and check book records for those dates to see if you have already paid those co-pays and/or deductibles.

Finish up sending the initial dispute letter to TU on any and all medical accounts.

 

Wait until you see what TU's response is to the dispute letter.

THEN send ALL the CAs the medical DV for every CRA they are still reporting to and as soon as you have proof of delivery send the follow up disputes to ALL CRAs.

 

Unless the response you received from the reporting CA was documentation from the OC that was CURRENT it is not valid. Simply providing you with 2+ year old account copies is not verification of a CURRENT business relationship.

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