KKP Posted August 4, 2021 Share Posted August 4, 2021 I have three accounts listed on my experian credit report since 2017 under collections from merchants & medical debt collection agency. I’ve been trying to have these removed for a while now with no luck. Any suggestions on how to get these removed? Quote Link to comment Share on other sites More sharing options...
centex Posted August 5, 2021 Share Posted August 5, 2021 Are these the same school-related loans that you asked about a few years back? If so, then you might want to ask a mod to move this to a more appropriate forum... KKP 1 Quote Link to comment Share on other sites More sharing options...
KKP Posted August 5, 2021 Author Share Posted August 5, 2021 Yes they are. What will be a more appropriate forum to post this in? Thank you for replying. 🙂 Quote Link to comment Share on other sites More sharing options...
Why Chat Posted August 5, 2021 Share Posted August 5, 2021 I assume they are medical accounts?? If so, what was the date of medical service?? Even if they are related to school loans this IS the correct forum if they are medical account debts. Follow the guides; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html Start with the initial dispute letter to the CRAs ( after opting out and deleting old addresses) https://whychat.me/hipaadisp.html Quote Link to comment Share on other sites More sharing options...
KKP Posted August 6, 2021 Author Share Posted August 6, 2021 Yes, they are related to an old tuition balance I had at the school. No loans just an old balance. Thank you I am about to one these links and take a look at them now. Quote Link to comment Share on other sites More sharing options...
centex Posted August 6, 2021 Share Posted August 6, 2021 4 hours ago, KKP said: Yes, they are related to an old tuition balance I had at the school. No loans just an old balance. Thank you I am about to one these links and take a look at them now. How did tuition become a medical issue? Quote Link to comment Share on other sites More sharing options...
Why Chat Posted August 6, 2021 Share Posted August 6, 2021 Schools can add student fees and expenses to the balances due-- including on campus medical bills. Quote Link to comment Share on other sites More sharing options...
centex Posted August 6, 2021 Share Posted August 6, 2021 10 hours ago, Why Chat said: Schools can add student fees and expenses to the balances due-- including on campus medical bills. BUT, such items are NOT tuition expenses. Classification of the debt is essential to know what comes into play just as knowing whether it is a State institution or private. Quote Link to comment Share on other sites More sharing options...
Why Chat Posted August 6, 2021 Share Posted August 6, 2021 The only thing that counts is how it is reporting on the OP's credit reports. If it is displaying as a medical account then it can be deleted using the HIPAA letter program. If it is displaying as a student debt then it can not be disputed as a medical account. Quote Link to comment Share on other sites More sharing options...
KKP Posted August 18, 2021 Author Share Posted August 18, 2021 These accounts definitely aren't related to any medical services received by the university. As I have had none. Its strictly tuition. So far, Equifax and Transition have removed the accounts. Experian is the only agency that will not remove them. I have sent out the first step of the Why Chat series to Experian. Is there any additional advice? Quote Link to comment Share on other sites More sharing options...
Why Chat Posted August 19, 2021 Share Posted August 19, 2021 If they are reporting as a medical account and the ONLY original creditor's name given is your university and you received no medical services on campus, then it is probably someone else's account. If you have sent the initial dispute letter to Ex. and they have not deleted then the next step is to send the reporting CA the medical DV https://whychat.me/ltrcavalhipaa.html and send Ex the follow up dispute https://whychat.me/ltrcavalhipaa.html#DISPUTE Quote Link to comment Share on other sites More sharing options...
centex Posted August 19, 2021 Share Posted August 19, 2021 6 hours ago, Why Chat said: If they are reporting as a medical account and the ONLY original creditor's name given is your university and you received no medical services on campus, then it is probably someone else's account. If you have sent the initial dispute letter to Ex. and they have not deleted then the next step is to send the reporting CA the medical DV https://whychat.me/ltrcavalhipaa.html and send Ex the follow up dispute https://whychat.me/ltrcavalhipaa.html#DISPUTE NOTHING has indicated they were reporting a medical account. The only place medical seems to exist in this matter is as part of the company name. OP admits there was no medical issue and said it was related to tuition. Just because a company has medical in its name does not mean that is all they are contracted to collect or all that they purchase to collect. The corporate website even references educational collections... Quote Link to comment Share on other sites More sharing options...
Why Chat Posted August 19, 2021 Share Posted August 19, 2021 Please send me via private message the EXACT and COMPLETE wording of this account on your credit report(s) Is it reporting on all 3 reports?? Quote Link to comment Share on other sites More sharing options...
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