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Medical Collection - Valid Debt

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Posted (edited)



First, the guides and information within this forum are excellent. Thanks to those who have contributed (especially WhyChat)! I have reviewed the guides and sticky posts, and searched. I would like some feedback to confirm my understanding of this process before getting started.


I have an outstanding medical debt from October 2018 which has recently (May 2020) appeared on my credit reports. I discovered this during a mortgage application. Excuses aside, this one slipped through the cracks, my fault. It is valid, and I am not interested in disputing the amount or details. My goal is simply to get it removed from the CRAs. I am able to make the payment in full. 


It seems the OC has a business relationship with the CA. The debt has been with the CA for some time now (about January 2020 from my understanding), but they recently reported it to the CRAs in May 2020. Based on this, I should be sending WhyChat's "HIPAA Letter Program" to the OC via CMRR addressed to the HIPAA compliance office? And I should include Insert A, with payment enclosed via cashier's check?


Thank you!

Edited by xchard

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You can, if you wish jump to payment without the initial steps but they may not work.

Even if you are POSITIVE that the account is valid ( I assume you have your EOMB from your insurance) and are POSITIVE that the reporting CA and the OC have a CURRENT business relationship without the preliminary steps you have no documentation to be able to get a deletion.There is a POSSIBILITY that your mortgage application triggered a JDB ( junk debt buyer) who acquired the account data from a data miner and poisoned your reports.


Now, you say it "slipped through the cracks"?? Did you get bills from the OC that you ignored?? Does your EOMB show that you owed a balance?? If you have those records and want to go ahead and pay-- be my guest. BUT if you have NO EOMB and no record of ever receiving a bill then I suggest you follow the program in it's entirety.


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

send the initial dispute letter to the CRA(s) ( is it reporting on all 3 reports?)



IF, after following these steps you get an immediate response from the reporting CA with current account data from the OC, you can THEN pay the OC with the HIPAA letter insert "a"

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