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Medical Collections - Hipaa


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9 replies to this topic

#1 SMALLFISH

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Posted 09 April 2017 - 09:05 PM

After reading quite a bit the last couple of days, I've decided to begin the hipaa quest to remove the only two collections on my credit reports. Two small medical collections. So here goes..

 

Steps I've completed:

1. Opted out

2. Mailed the requests to remove all previous and incorrect addresses from all bureaus

 

Relevant Info:

I live in Louisiana

Both listed as medical collections on CRA.

 

Collections Info:

 

1. Receivable Recovery Serv

    110 Veterans Blvd.

    Metairie, LA 70005

    Date Opened: 11/2014  (2 yrs, 4 mos)

    On record until 2/2021

    $197

 

2. Southern Credit Recov

    3228 6th Street

    Metairie, LA 70002

    Date Opened: 7/2013 (3 yrs, 8 mos) 

    On record until 10/2019

    $125

 

My next step is to send the initial dispute form to all CRA, correct? If so, would it be better to only tackle the older collection now and wait to tackle the other one after it passes the 3 year mark? 

 

Good advice is greatly appreciated!!

 


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#2 Why Chat

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Posted 10 April 2017 - 07:56 AM

Do them both at the same time.

https://whychat.me/hipaadisp.html

They appear to be "left over" small balances that are either illegal "balance billing" or obtained from a data miner.

 

Were you insured at the time of medical services?? If so, do you have your EOMBs ( explanation of medical benefits) from your insurance Co?

 

You are confusing the "reporting" date with the date of service. Your dates of service are 2/14 on the first and 10/12 on the second. ( count back 7 years from the "on record" date)


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#3 SMALLFISH

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Posted 10 April 2017 - 08:46 AM

I don't have the paper eomb's anymore (shame on me), but I called my health insurance company to look up and verify those two dates of service with those charges and after being put on hold for a moment the customer service rep said that she could not locate either charge or date of service in their system. She stated that the date of service from 2012 was so old that they no longer have access to it to verify it because they are using some new system.

In summation, I was unable to verify either charge. What next?

Thank you for your guidance whychat!
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#4 Why Chat

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Posted 10 April 2017 - 01:36 PM

Continue the program-- send the initial dispute letters and include ALL medical accounts

 

https://whychat.me/hipaadisp.html


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#5 SMALLFISH

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Posted 12 April 2017 - 10:16 AM

Ok.

Just an update, I also had a second ssn show up on my experian report. So I'm sending another letter to Exp Dispute Dept to request they remove the invalid number. I got notice this morning from my monitoring service that Experian also tagged my report with a fraud alert. Is there a way to get the fraud alert taken off after this process is over? I understand it's good for the dispute process, but would it be an extra hassle afterward?

I have my initial dispute letters in their envelopes ready to be sent. How long should I wait before sending them? I just sent the address disputes last week. Should I give that more time before proceeding with initial disputes to CRA's?

Thank you for your help! There's gonna be some happy cats in the near future!
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#6 Why Chat

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Posted 12 April 2017 - 07:15 PM

Go ahead and send the initial disputes.

 

You can opt back in again whenever your reports are clear, however, if you are opted back in and you decide to apply for a mortgage the data miners may dredge up old accounts that were deleted and re-insert them.


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#7 SMALLFISH

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Posted 18 April 2017 - 09:25 PM

Ok, Initial disputes were mailed last friday. I will update as I get updates from CRAs.

I got my address dispute responses from all three CRAs and all of the invalid addresses are deleted as well as the invalid ssn experian was also showing. I didn't really run into any difficulty with those steps.
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#8 Why Chat

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Posted 19 April 2017 - 02:19 PM

Ok, Initial disputes were mailed last friday. I will update as I get updates from CRAs.

I got my address dispute responses from all three CRAs and all of the invalid addresses are deleted as well as the invalid ssn experian was also showing. I didn't really run into any difficulty with those steps.

Glad to see that you had no problems. Don't worry about the fraud alert. It will be on all 3 CRA reports but it only lasts 90 days and is helpful (not harmful) in the dispute proccess.


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#9 SMALLFISH

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Posted 20 April 2017 - 11:55 PM

Positive Note: Maybe it's a sign..I looked at my Capital One Creditwise app this evening (Vantage 3.0 score based off of TU report) and the two disputes from the TU report appear to have been deleted since today's update. My score jumped 66 points from last months score. I'm anxious to get a confirmation letter in the mail from TU about it.

Now, if EQ and EX will just follow suit. I'm anxiously awaiting to hear something back from those two as well. My fingers are crossed.
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#10 Why Chat

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Posted 21 April 2017 - 07:13 AM

TU is very fast to delete. You may not get a confirmation letter, if you DO get a confirmation letter be sure to KEEP it for at least 3 years.

If you don't get any response from Eq or Ex within the next 10 days, come back here and we will tell you how to check those reports.


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