Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Question for Why Chat program.

Recommended Posts

Hello. I am beginning the process to remove med collections and had one question about the address removal letters. Do they need to be handwritten in blue or typed? Thanks 

Share this post


Link to post
Share on other sites

Welcome to Creditboards!

We hope that you find what you're looking for here.

Some helpful tips:

  • Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.
  • If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!
  • If you find that someone is discourteous to you, use the REPORT button at the top right of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS.
  • Off -topic posts should go in the General Forum.

 

Again, welcome to the CreditBoards family!

 CB Admin:  Pam, MarvBear, radi8, LKH & 😇breeze😇

 

Share this post


Link to post
Share on other sites

If you are following the guides

https://whychat.me/GUIDEBOOK.html

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

this sentence is in the above guide

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.MAKE SURE YOUR NAME AND ADDRESS ARE ON TOP OF EACH PIECE OF CORRESPONDENCE AND THAT EACH ONE IS DATED. 

Share this post


Link to post
Share on other sites

Ok. First, I just want to thank you for your program and all the information you provide. 
So I have been following the guide but I have ran into an issue. I’ll give you a quick rundown of my collections and then I’ll get into the issue. 
Back on 2016 I had 2 emergency room visits without insurance. In 2017 I paid all sorts of doctors,hospital bills and collection accounts. At the end of the year I thought I was settled with everyone and unfortunately threw away all the records. Recently I was denied credit and found the following collections. 
Stern recovery services was reporting 2 collection accounts to TU and EX, and SCA collections was reporting 2 accounts to all three bureaus. So I sent off the initial dispute letters to the CRA’s and all of Stern recovery services were removed and only one of SCA from TU. Shorty after I did receive a letter from SCA stating they received a credit inquiry from one of the bureaus. It’s basically a bill where they ask for payment to mark as paid on my credit report...lol. But here’s the problem. My credit reports list acct A for $298 and account B for $662, but there letter says account B for $960 which is the total of the two. On top of that there is no address for for the provider. Their letter says it’s for Cabarrus emergency medicine associates without an address. So, I did a little research and apparently the hospital has changed names and this provider(which I believe is a doctor) is no longer in business. I found an address and phone number for what they have listed , but google says they are permanently closed and when I call the number it says no longer in service. Obviously from your program I have learned that they have a current relationship with the OC, but I have no idea where to send payment and for which accounts as they are not correctly matching whats on my reports 100%. I guess my question is do I send the dispute letter to the CA to try and clear this up? And if so do I use the term ‘recent communication’? The reason I ask that is because I honestly don’t know if I ever spoke to them when I was paying everybody in 2017 because I don’t have any records except for their recent letter after the initial dispute. Thanks in advance!

Share this post


Link to post
Share on other sites

"Obviously from your program I have learned that they have a current relationship with the OC," ?? Exactly HOW did you determine the reporting CA has a current business relationship with the OC??

 

What was your response to the initial dispute letters to the CRAs??

https://whychat.me/hipaadisp.html

If verified, what was the result of the medical DV to the CA

https://whychat.me/ltrcavalhipaa.html

and the follow up dispute to the CRAs

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

Share this post


Link to post
Share on other sites

Please forgive me. That statement didn’t come from your guide, but while reading other comments to gain some knowledge of this process I had read a comment from you that said if the CA contacted you from the original dispute it would mean they are a current business associate. I assumed since I had received a letter from the CA I had the option to pay the OC. That’s why I haven’t followed up with the medical DV to the CA. The accounts are verified by the CRA’s and I have received a response from the CA, but there is no address of the OC and the account numbers and amount owed aren’t exactly matching my credit reports.

Share this post


Link to post
Share on other sites

The instructions clearly state that after opting out and deleting old addresses you need to send the initial dispute to the CRAs.

 

IF as a RESULT of the initial dispute to the CRAs the account is NOT deleted AND you get a response from the reporting CA as a RESULT of the initial dispute to the CRAs it MAY be an indication of a current business relationship.

 

However, if there is ANY discrepancy in the account where it doesn't match your EOMB for that service AND the response from the CA does not accurately match your data then you should still send the medical DV especially if the date of medical service is over 2 years ag.

Share this post


Link to post
Share on other sites

Ok. I sent medical DV to CA and follow up letters to CRA’s. Equifax and Experian came back verified. Still waiting on TU. I also received a letter from CA with two bills. The bills show the OC name ,but with two different addresses. One is a local address and another is a PO Box in Florida. So, I’m still confused because this OC is no longer in business but the CA has two addresses for them. Could you advise me on the next step?

Share this post


Link to post
Share on other sites

What was the date of medical service??

Are the bills from the OC provider dated currently?? Or are they dated on the original date of medical service.

 

 

Share this post


Link to post
Share on other sites

The dates of medical service were January and March of 2016, and there is no current date on the bills. Here they are with the obvious omissions.

94A3447B-B655-4FBF-ADDC-EDE1E685F6F9.jpeg

DAC6B745-4B59-49DB-8703-10825CFC15E8.jpeg

Share this post


Link to post
Share on other sites

If all they have are copies of the original bills then they OBVIOUSLY are NOT in a current business relationship with the OC and have no legal right to report.

 

Wait until you get a response from TU, then file a complaint with the CFPB against the CRAs who have refused to delete with copies to the reporting CA ;

https://whychat.me/hipaaftccomp.html

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.





  • Member Statistics

    • Total Members
      179,923
    • Most Online
      2,046

    Newest Member
    Ishan
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines