addlantan Posted February 21 Share Posted February 21 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 Quote Link to post Share on other sites
IndyPoolPlayer Posted February 21 Share Posted February 21 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😇 Quote Link to post Share on other sites
Why Chat Posted February 21 Share Posted February 21 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 Quote Link to post Share on other sites
addlantan Posted February 22 Author Share Posted February 22 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! Quote Link to post Share on other sites
Why Chat Posted February 23 Share Posted February 23 OK, you should understand that the HIPAA program is designed to delete entries that are no longer valid. Valid entries (unpaid balances within the past 2 years) should be paid to the OC on line by credit or debit card or by bank money order using the HIPAA letter insert "a". https://whychat.me/hipltr.html Quote Link to post Share on other sites
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