Medical dispute for one collection

[rcn622]

Good afternoon,

 

I have one collection on my current Equifax and Transunion reports.  It is not on my current Experian report.  It is a medical collection in the amount of $1,090 for services on December 5, 2021.  I am following Why Chat's HIPAA dispute method.  I opted-out on March 24, 2024.  My dispute letters to the CRAs were sent via priority mail, signature required, and they were signed for on April 2, 2024 and April 3, 2024 by Equifax and Transunion. 

 

I have not received anything from Transunion yet, but today, April 14, 2024, I received a letter from Equifax in the mail.  The letter is dated April 6, 2024 and it states that "We have received your request concerning inaccurate information on your Equifax credit file.  We were unable to locate a credit file in our database with the identification information you provided.  In order to further assist you, we will need additional documents to verify your identification.  Please provide Name, Current and Former Addresses, Social Security Number and Date of Birth.  We ask that you please send us a copy of two different items - one from each of the two categories listed below.  One item will verify your identity and the other will verify your current address.  

 

The letter goes on to describe the forms needed to process my request.  The two documents required must come from the following:  copy of social security card, W-2 with complete SSN, pay stub with complete SSN, driver's license, utility bill, or a copy of a rental agreement or house deed.  The copies are to be sent to Equifax Information Services LLC, P.O. Box 105069, Atlanta, GA  30348-5069.

 

Should I send in these documents to Equifax?  This seems like a stall tactic used by Equifax to receive an additional 15 days to complete its investigation.  Thanks in advance for your help.  

[Why Chat]

1st of all-- you apparently did NOT read and follow the directions.

https://whychat.me/GUIDEBOOK.html

You can also print a priority mail label on line with a USPO account. Make sure you do NOT add signature requirements. You can fit the label on a 6x10 envelope by folding under the bottom.

 

https://whychat.me/hipaadisp.html

Send them a copy of the report with the collection circled (make sure you have it mailed to you NOT on line) with a copy of the SAME ID data you SHOULD have used in the FIRST STEPS in the guide.

 

 

[rcn622]

Thank you, Why Chat.  I will do so and follow up.