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We got our current mortgage four years ago. I had an er visit with terrible short term insurance and it cost me OOP about 5-7k. The radiology bill was paid at Medicare rate and the rest was my responsibility. The ER dr bill same, except I thought I’d paid so would need to dig in my records for that. However assuming I didn’t, my question comes into play. 
we’re house searching and getting credit pulled for new mortgage. Lender tells me about the above two bills in collections. I knew the radiology one was but not the ER. I’ve only received one thing about the ER dr bill. I went online (it’s owned by United) and there’s no useful info for me to refer to the collection.  I submitted that they mail me something so I could have this in hand. 
here’s my issue. Lender wants me to PFD which at this point it seems that is all I have time for?  We’re talking closing within 30-40 days so do I have time to do whychat or something else?  He’s in a hurry and I’m not exactly wanting to throw $2k at them just yet but I do see the urgent need. 

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While we're still waiting to decide what to do, the biggest debt (with United) they said they didn't have anything to send us regarding the debt, and sent us back to the original debtor, the hospital, and the hospital says they can't tell us anything bc they already sold it off.  What the heck.  They also wouldn't take a partial pay for delete as that was our goal just to get it off the dang report.  Why exactly should I pay you $1100 and you can't even tell me when or what it was for?? 

We have a long closing, June 30, so I am diving in ASAP to try and get this resolved.

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When you say the hospital wouldn't/couldn't tell you anything, do you mean you actually went in and sat down with someone in billing?  If not, I would HIGHLY suggest doing do.  But that is just me and trying to resolve things expeditiously...and hospital staff tend to respond better to in-person billing discussions than phone conversations.

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Follow the guides; (except do NOT do the address changes)

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

Even though you have a short time period you can expedite the process by sending these letters a few days apart even without getting your old addresses deleted.

Send this to each CRA where the accounts are reporting;

https://whychat.me/hipaadisp.html

as soon as you see that they have been delivered, send each CA this;

https://whychat.me/ltrcavalhipaa.html

 

At this point you MAY be able to speak to your loan officer and advise them that you will be happy to place the $$ in an escrow closing account if you haven't been able to get these invalid entries off your reports in time for the closing.

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On 4/12/2021 at 12:22 PM, centex said:

When you say the hospital wouldn't/couldn't tell you anything, do you mean you actually went in and sat down with someone in billing?  If not, I would HIGHLY suggest doing do.  But that is just me and trying to resolve things expeditiously...and hospital staff tend to respond better to in-person billing discussions than phone conversations.

No I called the billing department. This is an ER branch of a bigger unit and they always say to call billing in my experience. 

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On 4/16/2021 at 12:48 PM, Why Chat said:

Follow the guides; (except do NOT do the address changes)

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

Even though you have a short time period you can expedite the process by sending these letters a few days apart even without getting your old addresses deleted.

Send this to each CRA where the accounts are reporting;

https://whychat.me/hipaadisp.html

as soon as you see that they have been delivered, send each CA this;

https://whychat.me/ltrcavalhipaa.html

 

At this point you MAY be able to speak to your loan officer and advise them that you will be happy to place the $$ in an escrow closing account if you haven't been able to get these invalid entries off your reports in time for the closing.

I sent a validation letter to the JDB and this was their reply. It was a whychat letter but it’s in my laptop not phone so I can’t access it at the moment to recall which one I sent. 

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3 hours ago, NAC said:

I sent a validation letter to the JDB and this was their reply. It was a whychat letter but it’s in my laptop not phone so I can’t access it at the moment to recall which one I sent. 

Images are not attaching for me so I am not able to show their reply. However it says:

 

In response to your prior letter, this office investigated and verified our credit report on the referenced account. We then informed you in writing that no in accuracies were identified in either the account or the report. This account represents the emergency department position fees for services provided in the emergency room on March 30, 2018. As stated before, if you have a specific dispute, we will immediately reopen the investigation. However we are now classifying your continued vague dispute as frivolous attempts to dispute information you know to be accurate. This communication is from a debt collector attempting to collect a debt on behalf of Texas medicine resources. Any information obtained will be used for that purpose.

 

a few things. This debt has not been with URC that long, maybe since January that I am aware of. So they’re wrong on that account.

I am pretty certain I started with  
“LETTER TO COLLECTION AGENCY ON MEDICAL ACCOUNT REPORTING WITH A BALANCE DUE” which appears to be the wrong step. 

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OK, send the initial dispute letter to the CRAs.

https://whychat.me/hipaadisp.html

When did you send the "validation" letter?

It was likely NOT the medical DV.

 https://whychat.me/ltrcavalhipaa.html

 

Just proceed as suggested above 

Send this to each CRA where the accounts are reporting;

https://whychat.me/hipaadisp.html

as soon as you see that they have been delivered, send each CA this;

https://whychat.me/ltrcavalhipaa.html

 

The response you received from the JDB is (IMO) in violation of the FCRA and appears to be non responsive to ANY type of validation letter.

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