ok...here's another question...medical CA

[Anonymous]

Experian shows a CA for a medical bill.  I just called the OC (our hospital) to review the account and it was paid by our insurance company, no add'l debt owed.  This is how the CA is showing on Experian:

Status:
 Paid,Closed/Collection account.  
 Date Opened:
 01/2005
Type:
Collection
Credit Limit:
NA    Date of Status:
 03/2005 Terms:
1 Months  High Balance:
NA     Reported Since:
 03/2005 Monthly Payment:
$0 Recent Balance:
NA    Last Reported Date:
 03/2005 Responsibility:
Individual  Recent Payment:
NA  
 Your Statement:
 NA  
 Account History:
 Collection as of Mar 2005

If insurance paid, then technically it was never our financial responsibility, right?  Hospital says that I have to write to CA and ask them to remove it since insurance did accept responsibilty and pay.

[SmartCookie]

OC has the ability and responsibility to have their CA correct (delete) this.  As expected, they dumped it on you.

Go and dispute the CA TL as 'not mine'.  This might solve everything in the quickest manner so I suggest starting here.

If it does not, MOV the CRA and DV the CA.

[Anonymous]

Thanks for the reply Smartcookie.  This is going to sound stupid, but do you mean I should dispute the TL as not mine through Experian?  Or do you mean write to the CA?

Thanks for answering,

Jenn

[SmartCookie]

Hey Jenn, does not sound stupid. 

Dispute it directly to any CRA it is reporting with.  Make sure to write down your dispute id #.

If it comes to the point of having to do a DV, the DV goes to the CA.  I'm hoping it won't get to that point and is easily fixed with the dispute to EX.

[Anonymous]

thanks Smartcookie!!!!!  off to dispute!

[SmartCookie]

Jenn this is a different situation than that $173 hospital bill for DH, or is this it?  Method of fixing is still the same I'm just curious if you got the other situation fixed.

[dizzier]

be aware that the CRA and CA may give you a hard time about this because, even though my have HI and they were supposed to pay, you are still personally responsible for making sure that everything is paid on time. In some cases this means that you pay and then have your HI reimburse you directly (most people are unaware of this).

So be persistent with the CRA and the CA. It should be taken care of. Good Luck.

Message Edited by dizzier on 12-20-2007 09:25 AM

[Anonymous]

alright...hit a roadblock already. 

here's what EX online said:

Error

We have already investigated this information, and the creditor has verified that it is correct. If you still have a question about it, you may want to contact the creditor, or if you have additional relevant information, click here.

Smartcookie, this is a different bill.

[dizzier]

keep at it. you could send the CRA a MOV and see if that gets you anywhere. I'd also try the hospital again and ask them to have the CA remove the account.

[SmartCookie]

Different bill, gotcha.

Do you remember disputing this before?  If it won't accept a 'not mine' that was probably the reason you used on the 1st dispute.

Before MOV, call them and see if they will dispute again over the phone.  Make sure you get a dispute ID#.  If they will not re-investigate on phone, send a written dispute to EX CMRRR.

At the same time, I agree you should call OC and tell them that CA will not remove.  Keep it simple and tell them this was not your error and they need to advise their CA to remove as you have already tried unsuccessfully.

If this does not work, you can follow on the next steps which will be MOV to EX and possibly using HIPAA.