Jenjt Posted May 17 Share Posted May 17 Hi all. I’m working on deleting a 3 yr old medical collection from my reports, they just started reporting in March. I followed WhyChats step one and sent handwritten letters to each CRA requesting validation of the debt using the exact language outlined in the directions. Experian sent me my report today in response only saying that the debt has been validated, nothing else. What should I do now? Quote Link to comment Share on other sites More sharing options...
Why Chat Posted May 17 Share Posted May 17 If you have opted out and sent the initial letter to the CRAs you should follow the program to the next step; https://whychat.me/GUIDEBOOK.html https://whychat.me/GUIDE HIPAA PROGRAM.html If the accounts are verified AND you receive NOTHING from the reporting CA, you send the reporting CA this: MEDICAL DISPUTE VALIDATION LETTER https://whychat.me/ltrcavalhipaa.html For accounts reporting with a balance due Jenjt 1 Quote Link to comment Share on other sites More sharing options...
Why Chat Posted May 18 Share Posted May 18 Make sure you follow ALL the instructions and send the follow up letter to the CRAs( is it reporting to all 3 bureaus?) FOLLOW UP LETTER TO CRA SEND Priority Mail with tracking # Quote Link to comment Share on other sites More sharing options...
Jenjt Posted May 22 Author Share Posted May 22 Only Transunion and Experian are reporting currently. I have the medical dv letter ready to go to the CA and will send the follow up letter to the CRAs with tracking. are these the usps tracking forms? https://store.usps.com/store/product/shipping-supplies/domestic-return-receipt-form-P_FORM_3811 Quote Link to comment Share on other sites More sharing options...
Jenjt Posted May 22 Author Share Posted May 22 Disregard the tracking question. I figured it out. I sent all the priority mailers out today. Will keep you posted! Thanks! Why Chat 1 Quote Link to comment Share on other sites More sharing options...
Fitz1988 Posted May 23 Share Posted May 23 On 5/16/2023 at 9:16 PM, Jenjt said: Hi all. I’m working on deleting a 3 yr old medical collection from my reports, they just started reporting in March. I followed WhyChats step one and sent handwritten letters to each CRA requesting validation of the debt using the exact language outlined in the directions. Experian sent me my report today in response only saying that the debt has been validated, nothing else. What should I do now? Did you send a letter to the debt collector to validate the debt. If you didn't, you need to send a letter of validation to the debt collector. Quote Link to comment Share on other sites More sharing options...
Jenjt Posted June 13 Author Share Posted June 13 Came back here to update: I received a letter from TU stating they are deleting the disputed accounts 😎 I also received a letter from Experian that said the accounts were previously validated. It seems like an automated letter. They gave no information on how the validated the accounts. The collection agency has yet to send me back anything. Quote Link to comment Share on other sites More sharing options...
Why Chat Posted June 14 Share Posted June 14 Wait another 30 days on Experian and if they have not deleted send them a CERTIFIED letter stating the facts-- ie date of dispute, deletion from the ONLY other CRA reporting and your intention to file a complaint against them with the CFPB. If they still don't delete use this: https://whychat.me/hipaaftccomp.html Jenjt 1 Quote Link to comment Share on other sites More sharing options...
Jenjt Posted June 16 Author Share Posted June 16 Will do. Thanks for your help. I’ll keep you updated. Quote Link to comment Share on other sites More sharing options...
Jenjt Posted June 26 Author Share Posted June 26 Will do. Thanks for your help. I’ll keep you updated. Quote Link to comment Share on other sites More sharing options...
Jenjt Posted June 26 Author Share Posted June 26 Today I received a letter from the reporting collection agency, Asset Care. They said they are collecting on behalf of CF Medical who bought the debt from the hospital. They provided a statement of some sort with my name and address and date of services and amount due. At the top of the “statement” it says make check payable to Emergency Resources Group, who is the original creditor. I don’t believe this constitutes a proper debt validation. What are next steps? I don’t want them to start reporting again. Quote Link to comment Share on other sites More sharing options...
Killbadcredit Posted June 28 Share Posted June 28 JENJT, Send Experian the letter of Deletion from TransUnion to them (Experian). Show them that TransUnion deleted and that they should be reporting it. Quote Link to comment Share on other sites More sharing options...
hegemony Posted June 28 Share Posted June 28 12 hours ago, Killbadcredit said: JENJT, Send Experian the letter of Deletion from TransUnion to them (Experian). Show them that TransUnion deleted and that they should be reporting it. the four major CRAs don't give a rats arrse what each other does. CreditSucksNot and Bluesie58 2 Quote Link to comment Share on other sites More sharing options...
Killbadcredit Posted June 29 Share Posted June 29 Hey Hegemomy. I know, at least in my case it generated favorable results. Did they change a thing, that we are unaware of? Quote Link to comment Share on other sites More sharing options...
Why Chat Posted June 29 Share Posted June 29 What has happened with Experian?? Did they delete?? I do NOT suggest you respond to the CA in any way, especially with a reference to TU's deletion. Unless the "validation" from the CA included a copy of your signed HIPAA release with a proper assignment of the release to the CA they are blowing smoke. Jenjt 1 Quote Link to comment Share on other sites More sharing options...
hegemony Posted June 29 Share Posted June 29 11 hours ago, Killbadcredit said: Hey Hegemomy. I know, at least in my case it generated favorable results. Did they change a thing, that we are unaware of? the results were not because EX decided that what TU or EQ did was what it should do. Why Chat 1 Quote Link to comment Share on other sites More sharing options...
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