Stuck during WhyChat

[credithelp823]

Hello everyone,

 

I was able to get eight medical baddies off. Woot woot. 
 

However, I’m down to my last 4.

 

I have a few questions.

 

First- I noticed that the original creditors are incorrect on Equifax after the accounts came back verified. Could I get them off for this reason?

 

Second- I have not received any corresponding from two of the CA. They could have very well sent something but with the issues with the postal service I haven’t received anything. What should I do now?

 

Third- One of the collections is from 2014. Should I wait for it to fall off later this year?

 

Lastly- Two of the baddies I was able to get them deleted from other bureaus. I’m assuming this doesn’t make a difference.

 

Thank you so much for all of your help in advance.

[credithelp823]

Bump

[Why Chat]

You say you are "stuck" with the HIPAA program??

Have you followed ALL the steps?

You opted out and deleted old addresses?

https://whychat.me/GUIDEBOOK.html

You sent each CRA where the accounts are reporting the initial dispute letter?

https://whychat.me/hipaadisp.html

from the HIPAA program

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

You sent the CAs the medical DV for accounts that were NOT deleted?

https://whychat.me/ltrcavalhipaa.html

You sent the CRAs the follow up dispute?

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

 

I am back from my vacation and will be happy to help IF you answer all the above questions

[credithelp823]

On 4/16/2021 at 1:31 PM, Why Chat said:

You say you are "stuck" with the HIPAA program??

Have you followed ALL the steps? Not yet. I'm on step 3. 

You opted out and deleted old addresses? Yes

https://whychat.me/GUIDEBOOK.html

You sent each CRA where the accounts are reporting the initial dispute letter? Yes

https://whychat.me/hipaadisp.html

from the HIPAA program

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

You sent the CAs the medical DV for accounts that were NOT deleted?

https://whychat.me/ltrcavalhipaa.html

You sent the CRAs the follow up dispute?

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

 

I am back from my vacation and will be happy to help IF you answer all the above questions

 

Hi WhyChat,

 

Thank you so much for getting back to me. 

 

I hope you enjoyed your vacation

 

I'm stuck on step 3. 

 

The results came back verified on EX and EQ. TU deleted all five. 

 

I haven't received anything from one CA. I'm assuming I should send the Medical DV letter?

 

The other CA sent me I guess you would call it an itemized statement almost. I don't remember the insurance I had at the time so I can't reference the EOMB. 

 

Should I send them the Medical DV letter?

 

Also the original creditors are incorrect on my reports. Does this trump the verified results form the CRAs?

 

Thank you again for all of your help

Edited April 21, 2021 by credithelp823

[Why Chat]

Yes send the medical DV to the CAs for Ex and Eq

https://whychat.me/ltrcavalhipaa.html

and as soon as you have verification of receipt send Ex and Eq the follow up disputes.

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

 

You can save postage by using 1 envelope to each CA with BOTH (1 for each CRA) letters in them.

The errors on your reports are just further proof that the reporting CAs did not get the accounts from the OC health care provider and should make it easier to get the rest of your deletions.

[credithelp823]

Thanks so much WhyChat!

 

Working on getting these out now. 

 

I do have a question... I forgot to mention that the itemized statement is from the OC. 

 

Should I send the OC this: https://whychat.me/hipltr.html

[Why Chat]

If the CA sent you the itemized statement-- what is the DATE of the transmittal from the OC to the CA. If the only dates showing are from 2014 then the CA is merely copying the data they received from a data miner and they have NO valid authorization to collect or report on the account.

[credithelp823]

How do I find that?

 

Date on the itemized states shows 2014

CR shows 2016 when the collection opened 

[Why Chat]

It is obvious that the CA has NO current business relationship to the OC.

This account is now not only invalid but OBSOLETE as the "status" date is 7 years ago.

The "status" date is the date of service.

 

Send the medical DV to ALL remaining CAs reporting to any CRA

https://whychat.me/ltrcavalhipaa.html

and send the follow up dispute to any CRAs that have not deleted

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

[credithelp823]

Thanks so much WhyChat. I really appreciate it.

 

One more question.

 

I have all of the letters ready to go but have one more question. 

 

For the follow-up letters to the CRA... Do I send a letter per collection per CRA?

 

For example, I have (2) collections for Experian, (2) for EQ and (1) for TU.

[Why Chat]

One letter for each collection to each CRA ,IN THE SAME ENVELOPE

Make sure you have the letters stapled together with their proof of delivery and copy of the letter to the CA.

 

Saves postage