Medical Collection (Paid)

cdc515 · January 14, 2012

Dear WhyChat,

I have read around the forum and you seem to know exactly what to do so perhaps you can point me in the right direction.

So far i have sen letters to dispute this one medical collection on my CR. Transunion removed it and Experian & Equifax verified it via e-Oscar.

I have been reading around and many people say that if i send a DV letter to the CA then it may be removed.

Then i came across your HIPPA Process and i am not sure if i can use this still.

here is what is listed on my CR

Equifax

XXXXX Sevice

Agency Address: xxxx

Date Reported: 09/2010

Date Assigned: 10/2009

Creditor Classification: Medical/Health Care

Creditor Name: XXX Medcal Center

Account Number: xxxxxxxxx

Account Owner: Individual Account

Original Amount Owed: $1,100.00

Date of 1st Delinquency: 05/2009

Balance Date: 09/2010

Balance Owed: $0

Last Payment Date: 25/08/2010

Status Date: 09/2010

Status: P - Paid

Comments: Medical

Experian

XXXXX Sevice

Agency Address: xxxx

Account Number: xxxxxxx

Date Opened: 10/2009

Fisrt Reported: 9/2010

Date of Status: 9/2010

Type: Collection

Terms: 1 Month

Monthly Paymen: Not Reported

Credit Limit or original amount: $1,100.00

High Balance: Not Reported

Recent Balance: Not Reported

Responsibility: Individual

Status: Paid; Closed

Am i suppose to write this letter at this time?

http://whychat.5u.com/hipaadisp.html

and then write this one after i get a response?

http://whychat.5u.com/ltrcavalhipaa.html

Greatly appreciate your help.

CB Owners · January 14, 2012

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LKH · January 14, 2012

Moving to the medical forum for response.

Why Chat · January 15, 2012

Dear WhyChat,

I have read around the forum and you seem to know exactly what to do so perhaps you can point me in the right direction.

So far i have sen letters to dispute this one medical collection on my CR. Transunion removed it and Experian & Equifax verified it via e-Oscar.

I have been reading around and many people say that if i send a DV letter to the CA then it may be removed.

Then i came across your HIPPA Process and i am not sure if i can use this still.

here is what is listed on my CR

Equifax

XXXXX Sevice

Agency Address: xxxx

Date Reported: 09/2010

Date Assigned: 10/2009

Creditor Classification: Medical/Health Care

Creditor Name: XXX Medcal Center

Account Number: xxxxxxxxx

Account Owner: Individual Account

Original Amount Owed: $1,100.00

Date of 1st Delinquency: 05/2009

Balance Date: 09/2010

Balance Owed: $0

Last Payment Date: 25/08/2010

Status Date: 09/2010

Status: P - Paid

Comments: Medical

Experian

XXXXX Sevice

Agency Address: xxxx

Account Number: xxxxxxx

Date Opened: 10/2009

Fisrt Reported: 9/2010

Date of Status: 9/2010

Type: Collection

Terms: 1 Month

Monthly Paymen: Not Reported

Credit Limit or original amount: $1,100.00

High Balance: Not Reported

Recent Balance: Not Reported

Responsibility: Individual

Status: Paid; Closed

Am i suppose to write this letter at this time?

http://whychat.5u.com/hipaadisp.html

and then write this one after i get a response?

http://whychat.5u.com/ltrcavalhipaa.html No that is for accounts reporting with a balance due

Greatly appreciate your help.

Opt Out FIRST

http://www.whychat.5u.com/OPTOUTINST.HTML

Yes send the initial dispute letter to Experian & Equifax

http://www.whychat.5u.com/hipaadisp.html

If they do not delete, send the reporting CA this:

http://www.whychat.5u.com/ltrcavalhipaa.html#PAID

and then follow up with this re-dispute to the CRAs as soon as you have proof of the receipt.

http://www.whychat.5u.com/ltrcavalhipaa.html#DISPUTE

cdc515 · January 15, 2012

Opt Out FIRST

http://www.whychat.5...OPTOUTINST.HTML

Yes send the initial dispute letter to Experian & Equifax

http://www.whychat.5.../hipaadisp.html

If they do not delete, send the reporting CA this:

http://www.whychat.5...hipaa.html#PAID

and then follow up with this re-dispute to the CRAs as soon as you have proof of the receipt.

http://www.whychat.5...aa.html#DISPUTE

I have opted out for 5 years electronically just now.

When sending the initial dispute letter to Experian & Equifax

http://www.whychat.5.../hipaadisp.html

should i send it registered mail with a reciept?

if they do not delete send the reporting CA this:

http://www.whychat.5...hipaa.html#PAID

Should i send the CA registered mail with a reciept? I think the answer is yes but want to make sure.

and then follow up with this re-dispute to the CRAs as soon as you have proof of the receipt.

http://www.whychat.5...aa.html#DISPUTE

So i send them the reciept from the CA Dispute along with a re-dispute but do i send this registered mail with a receipt?

cdc515 · January 15, 2012

One other thing it says that i must have the CMRR# where can i get that? SHould i call the original creditor to obtain that information?

Also on one of the letters it says do not send it RR. What does RR stand for?

Why Chat · January 15, 2012

Opt Out FIRST

http://www.whychat.5...OPTOUTINST.HTML

Yes send the initial dispute letter to Experian & Equifax

http://www.whychat.5.../hipaadisp.html

If they do not delete, send the reporting CA this:

http://www.whychat.5...hipaa.html#PAID

and then follow up with this re-dispute to the CRAs as soon as you have proof of the receipt.

http://www.whychat.5...aa.html#DISPUTE

I have opted out for 5 years electronically just now.

When sending the initial dispute letter to Experian & Equifax

http://www.whychat.5.../hipaadisp.html

should i send it registered mail with a reciept? READ THE INSTRUCTIONS!! Make sure you HAND ADDRESS the envelope, use personalized stationery and purple or teal font, ( preferably italic this is helps prevent the automated scanning/reading/response computer programs from "reading" your letter as they can not read handwriting or distinguish font in the same color family as a background pattern).

DO NOT send it RR -WAIT FOR THE FULL RESPONSE FROM THE CRA BEFORE CONTINUING WITH THE HIPAA LETTER PROCESS

if they do not delete send the reporting CA this:

http://www.whychat.5...hipaa.html#PAID

Should i send the CA registered mail with a reciept? I think the answer is yes but want to make sure. READ THE INSTRUCTIONS! .IF YOU HAVE ONLY A PO BOX ADDRESS, DO NOT USE THE RETURN RECEIPT, SEND IT CERTIFIED ONLY AND PRINT OUT THE ON LINE PROOF OF DELIVERY FOR THE FOLLOW UP LETTER Do a separate letter for EACH CRA that the CA is reporting to, make sure the account #'s match the report. You can MAIL them all to each CA in ONE envelope with one CMRR

and then follow up with this re-dispute to the CRAs as soon as you have proof of the receipt.

http://www.whychat.5...aa.html#DISPUTE

So i send them the reciept from the CA Dispute along with a re-dispute but do i send this registered mail with a receipt? YOU DO NOT NEED TO SEND ANYTHING REGISTERED MAIL. YOU SEND EVERYTHING CERTIFIED MAIL AND WITH A RETURN RECEIPT REQUESTED ONLY IF IT IS GOING TO A STREET ADDRESS

cdc515 · January 15, 2012

I just want to make sure of this:

CMRR = Certified Mail Return Reciept?

Because one of the letters has CMRR# in it.

RR= Return Reciept

Because one of the letters shoud not be sent RR.

Thanks i appreciate your help and will be sending out my letters to the CRA tomorrow on personal stationary in italic purple font.

Edited January 15, 2012 by cdc515

Why Chat · January 16, 2012

I just want to make sure of this:

CMRR = Certified Mail Return Reciept?

Because one of the letters has CMRR# in it.

RR= Return Reciept

Because one of the letters shoud not be sent RR.

Thanks i appreciate your help and will be sending out my letters to the CRA tomorrow on personal stationary in italic purple font.

When you get the certified mail form, it has the tracking #. When you fill out a RETURN RECEIPT you detach one of the tracking # labels FROM the certified mail form and affix it to the return receipt.

In other words, it is the CERTIFIED MAIL form that has the tracking #

You do NOT want to send anything that requires a signature to a PO Box, so you would put the SAME certified mail tracking # in your letters ( pick up a few of the forms at the PO before you start disputing so that you can incorporate the # into your letters).

cdc515 · January 16, 2012

Thanks for all the help i will let you know how it goes, i a sending the letters out today and will wait for CRA to respond.

cdc515 · January 17, 2012

Whychat,

I have a quick question for you.

I have written my letters (On blue/cloud staionary in purple font with a Confidential watermark in teal diagonally across the paper) and picked up some Certified Mail slips at the post office.

I am all ready to send them out to the 2 remaing CRA that still have this collection on them but i have one dilema.

I recently disputed with the CRA with a "Not Mine" request and Equifax came back saying it was verified. ( I left this one alone because of the situation below did not pan out)

Experian came back saying verified so i called them up to argue it saying i spoke to the original creditor and they said they had no paperwork on this. I submitted the OC information over the phone and requested an investigation be done. They said they would contact the CA i said no i want you to contact the OC they said they cant. Then I got another letter saying it was verified.

Can i still submitt this Pre-Hippa letter or will they say it is frivoulous?

Also should i include a copy of my drivers license? What about a copy of my CR?

Thanks Again.

Edited January 17, 2012 by cdc515

cdc515 · January 19, 2012

bump

Why Chat · January 19, 2012

Whychat,

I have a quick question for you.

I have written my letters (On blue/cloud staionary in purple font with a Confidential watermark in teal diagonally across the paper) and picked up some Certified Mail slips at the post office.

I am all ready to send them out to the 2 remaing CRA that still have this collection on them but i have one dilema.

I recently disputed with the CRA with a "Not Mine" request and Equifax came back saying it was verified. ( I left this one alone because of the situation below did not pan out)

Experian came back saying verified so i called them up to argue it saying i spoke to the original creditor and they said they had no paperwork on this. I submitted the OC information over the phone and requested an investigation be done. They said they would contact the CA i said no i want you to contact the OC they said they cant. Then I got another letter saying it was verified.

Can i still submitt this Pre-Hippa letter or will they say it is frivoulous?Possibly, you may want to wait 60 days past your last USELESS telephone debacle

Also should i include a copy of my drivers license? What about a copy of my CR?No, No

Thanks Again.

cdc515 · January 20, 2012

thanks i sent the letters today.

Let the waiting game begin.

cdc515 · January 27, 2012

I sent my letters out last week and i got a response in my email from Equifax today saying.

---------------------------------------------------------------------------------------

Dear xxxxxx,

This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number xxxxxx.

View Now!

You may view the results of your dispute online.*

To view the status of your dispute, you will need your dispute Confirmation Number:

xxxxx

You have 24 days remaining to access the results of your dispute from our website; you may not be able to obtain your results online if you do not access them before 02/19/2012.

Thank you for giving Equifax the opportunity to serve you!

--------------------------------------------------------------------------------------------------

Not sure why they emailed me maybe from a personal information dispute i did 3 weeks ago.

Will they also mail me the dispute results?

I also recently checked the back door and went to file a dispute to check the report but did not file any disputes online.

When doing this they make you check a box that you can be notified via email of the dispute but i figured if i am not submitting any dispute online just checking the report to see if it was removed it would be okay.

Did this mess things up for me?

When i checked the backdoor the collection was still on my report.

Should i view the results onine?

Edited January 27, 2012 by cdc515

cdc515 · January 29, 2012

bump

Why Chat · January 29, 2012

I sent my letters out last week and i got a response in my email from Equifax today saying.

---------------------------------------------------------------------------------------

Dear xxxxxx,

This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number xxxxxx.

View Now!

You may view the results of your dispute online.*

To view the status of your dispute, you will need your dispute Confirmation Number:

xxxxx

You have 24 days remaining to access the results of your dispute from our website; you may not be able to obtain your results online if you do not access them before 02/19/2012.

Thank you for giving Equifax the opportunity to serve you!

--------------------------------------------------------------------------------------------------

Not sure why they emailed me maybe from a personal information dispute i did 3 weeks ago.

Will they also mail me the dispute results?

I also recently checked the back door and went to file a dispute to check the report but did not file any disputes online.

When doing this they make you check a box that you can be notified via email of the dispute but i figured if i am not submitting any dispute online just checking the report to see if it was removed it would be okay.

Did this mess things up for me?

When i checked the backdoor the collection was still on my report.

Should i view the results onine?

When you "checked" the box for e-mail notification it defaulted ALL your disputes to e-mail notification, it also likely opted you back in.

Go on line and opt out again

If you have the dispute # you can check THAT dispute on line.

I don't know how you can "unring the bell" for getting your disputes answered on line.

cdc515 · January 29, 2012

So i just went to that email and went to check the status of the dispute and all it says is Results = Mailed, so i guess i will get them in the mail like i was suppose to.

Then i checked the backdoor to see if it was removed using that report number and no luck it still is on my report but they updated the comment to the below:

Consumer disputes this account information, Collection account

WIll wait to dispute with CA once i recieve experian investigation back.

Why Chat · January 30, 2012

So i just went to that email and went to check the status of the dispute and all it says is Results = Mailed, so i guess i will get them in the mail like i was suppose to.

Then i checked the backdoor to see if it was removed using that report number and no luck it still is on my report but they updated the comment to the below:

Consumer disputes this account information, Collection account

WIll wait to dispute with CA once i recieve experian investigation back.

If it was not deleted you go to the next step as indicated in my post #4

If they do not delete, send the reporting CA this:
http://www.whychat.5...hipaa.html#PAID

and then follow up with this re-dispute to the CRAs as soon as you have proof of the receipt.

http://www.whychat.5...aa.html#DISPUTE

cdc515 · February 3, 2012

So i got both responses back and all they wrote in them is they were verified.

but in the letter we asked for..................

Please advise me as to the name and address of the medical provider, the date and type of service,and to whom the service was provided, as any account I might have had would be obsolete.If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies which may include a complaint against your agency to the OCR on HIPAA violations.

--------------------------------------------------------------------------------------------------------

Doesnt this mean that the CRA did not comply with the letter we wrote?

or should i just move on the CA?

Why Chat · February 4, 2012

So i got both responses back and all they wrote in them is they were verified.

but in the letter we asked for..................

Please advise me as to the name and address of the medical provider, the date and type of service,and to whom the service was provided, as any account I might have had would be obsolete.If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies which may include a complaint against your agency to the OCR on HIPAA violations.

--------------------------------------------------------------------------------------------------------

Doesnt this mean that the CRA did not comply with the letter we wrote?

or should i just move on the CA?

Did you send the medical DVs to the reporting CA as noted in post # 4????

cdc515 · March 1, 2012

Why Chat

I just have a few concerns....

I sent the collection agency the DV letter as stated above, i sent it CMRR and i got the reciept so i sent the followup letter to the CRA's.

When i sent the 2 letters to the CRA's i forgot to put it on custom stationary so it was just on white paper but the font was purple and i had a teal watermark across the page saying "CONFIDENTIAL".

WIll this hurt my chances of a computer picking it up instead of a person?

I also forgot to send it CMRR and only sent it CM because both CRA's addresses were PO Box's.

Was this the right thing to do?

Why Chat · March 1, 2012

Why Chat

I just have a few concerns....

I sent the collection agency the DV letter as stated above, i sent it CMRR and i got the reciept so i sent the followup letter to the CRA's.

When i sent the 2 letters to the CRA's i forgot to put it on custom stationary so it was just on white paper but the font was purple and i had a teal watermark across the page saying "CONFIDENTIAL".

WIll this hurt my chances of a computer picking it up instead of a person?

I also forgot to send it CMRR and only sent it CM because both CRA's addresses were PO Box's. OK

Was this the right thing to do?

Only the INITIAL dispute letter to the CRAs needs to be "unscannable" all other correspondence should be properly typed and "Courtroom ready".

cdc515 · March 2, 2012

Thanks.

I got a letter today from the CA saying the following:

------------------------------------------------------------------------

Dear XXXX,

Our office is in receipt of your letter of dispute and request for cerification pursuant to 15 U.S.C. 1692g(1) (4) of the Fair Debt Collection Practice Act. Please be advised we have reviewed your dispute and concluded your account is paid in full. Therefore, we have ceased collection of this account.

Should you have any questions regarding this matter, please feel free to contact us at the number below.

Very truly Yours,

xxxxxxx

-------------------------------------

Under that they have their name and address as well as the hospital name and address the medical collection originated from.

As well as my name the account number the date of service and the current balance.

The CA didnt say they stopped reporting the debt to the CRA's

My CM letters didnt make it to the CRA's yet and show they will arrive tomorrow.

Should i do anything regarding this letter or wait for a response from the CRA's?

cdc515 · March 4, 2012

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