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Hello,

 

All 3 CRAs are showing 4 entries from Medical Data Systems. 3 of these entries are non-paid collections, 1 is paid. I sent the INITIAL HIPAA DISPUTE LETTER to all 3 CRAs on January 27, 2020. 

I have not received any letters from the CRAs in response to my initial HIPAA dispute letter, I've only received emails. I have not followed links in the emails to receive the results, but did run new credit reports today through annual credit. The comments/remarks from each CRA as noted on the report from annual credit are below.

 

What is my next step(s)?


TU

Paid collection - Remarks: Account information disputed by consumer (FCRA); >PAID COLLECTION<

Placed for collection 12/30/2016, Closed 5/14/2017, Amount paid $142

Unpaid Collections:

1. Remarks - Account information disputed by consumer (FCRA); >PLACED FOR COLLECTION<

Placed for collection 10/5/2020, Amount due $100

2. Remarks - Account information disputed by consumer (FCRA); >PLACED FOR COLLECTION<

Placed for collection 10/5/2020, Amount due $432

3. Remarks - Account information disputed by consumer (FCRA); >PLACED FOR COLLECTION<

Placed for collection 10/5/2020, Amount due $674

 

EQ

Paid Collection: Remarks: Consumer disputes this account information

Date Assigned 12/30/2016, Date of First Delinquency 7/13/2015, Amount paid $142

Unpaid Collections:

1. Remarks - Consumer disputes this account information

Date Assigned 10/5/2020, Date of First Delinquency 7/31/2019, Amount due $100

2. Remarks - Consumer disputes this account information

Date Assigned 10/5/2020, Date of First Delinquency 6/30/2019, Amount due $432

3. Remarks - Consumer disputes this account information

Date Assigned 10/5/2020, Date of First Delinquency 8/31/2019, Amount due $674

 

EX

Paid Collection: This has been removed from my CR

Unpaid Collections:

1. This has been removed from my CR

Amount $100

2. Remarks: Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act).

Reinvestigation Information: This item was updated from our processing of your dispute in Feb 2021.

Date Assigned 10/5/2020, Amount due $432

3. Remarks: 

Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act).

Reinvestigation Information: This item was updated from our processing of your dispute in Feb 2021.

Date Assigned 10/5/2020, Amount due $674

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It appears that you were filing several disputes on line prior to sending the initial HIPAA program dispute letter.

 

Did you follow ALL the steps?

https://whychat.me/GUIDEBOOK.html

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

 

If you had disputed the accounts on line or by phone within 3 Months prior to sending the initial dispute letter[ https://whychat.me/hipaadisp.html ) then your disputes were entangled in their computer systems.

 

You can try sending the medical DV to the CAs for the accounts that have not been deleted.

 https://whychat.me/ltrcavalhipaa.html  for accounts reporting with a balance due

https://whychat.me/ltrcavalhipaa.html#PAID  for paid accounts

 

As soon as you have proof of receipt you should send each CRA this follow up dispute

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

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Actually no. I never disputed any of these online or via phone. The only thing I've done so far is send the initial HIPAA letters to the three CRAs as stated in the guidebook. The newest ones that were placed for collection in October, did not show up on my credit until early February. I immediately started searching for how to handle this and found your site/information. 

 

I will try sending the medical DV to the CAs for the accounts that have not been deleted as stated above.

 

Thank you!

 

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