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Contributor
Posts: 79
Registered: ‎08-23-2008
0

Re: Does HIPAA Even Work?????

I know....you're right.  It has been slow around here, but I feel like I just woke a sleeping giant, and I'm scared.  Hopefully things will get back to  normal soon.

 

Thanks for talking me down...lol.

Smiley Happy
Frequent Contributor
Posts: 252
Registered: ‎08-23-2008
0

Re: Does HIPAA Even Work?????

I totally get it!  It's Friday, if its slow again today maybe one of the weekend worriors will be here to catch up for everyone Smiley Happy and you won't have to wait that long.

 

 

We are having a comforting session here ... go back up a couple of posts to pick up the topic again Smiley Tongue

Myfico scores as of 11/12/08 TU 750 EX 722

MyFico scores as of 9/20/08 TU 638 EX 663 EQ 691
Moderator Emerita
Posts: 3,091
Registered: ‎08-09-2008
0

Re: Does HIPAA Even Work?????

Hopefully Fused will be around today to give you direct advice/instructions. The HIPAA process most certainly does work. It has not failed me yet, and it will work for you too! It sounds like the CA is blowing smoke to try to scare/bully you into paying them without validation with that "legal dept. blurb". Don't worry! From what you've written (I went back and read your original thread) it appears that Ex hasn't replied to your last letter, and the CA can't verify-- otherwise, they would have been been more than happy to. Remember, the burden of proof is on them, not you.

 

Wait for Fused, and don't worry about their "legal dept." crap. I'm still willing to bet that EX will delete from your last letter. 


want2b_800s wrote:

I know....you're right.  It has been slow around here, but I feel like I just woke a sleeping giant, and I'm scared.  Hopefully things will get back to  normal soon.

 

Thanks for talking me down...lol.


 

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Contributor
Posts: 79
Registered: ‎08-23-2008
0

Re: Does HIPAA Even Work?????

BUMP
Smiley Happy
Frequent Contributor
Posts: 454
Registered: ‎08-18-2008
0

Re: Does HIPAA Even Work?????

You know, if the HIPAA process didn't work, there wouldn't be so many people using it. The CRAs pay attention to it, or they wouldn't be deleting so many accounts from credit reports.

 

If I understand this correctly, those CAs have to validate the debt to you, not just verify it with the CRAs. In order to validate it, they do have to transmit private health information. They are allowed to do this if there is a business purpose involved, and once a bill is paid, there is none, so they can't report.

 

While the letter you got says no private health information is transmitted, even the name of the original creditor can be private health information.

 

They probably referred the letter to their legal department because the letters on this forum tend to have strong language about consumers' rights. CAs do use scare tactics whenever possible, so don't let it get to you.

 

I had two CAs with medical bills tell me they never take them off the reports, but the HIPAA process made both of those go away.

 

Just read the directions carefully and again as you go step-by-step through it. I am juggling a lot of accounts myself, so I know how confusing it can get.  But don't get discouraged.

 

 

Contributor
Posts: 79
Registered: ‎08-23-2008
0

Re: Does HIPAA Even Work?????

bump
Smiley Happy
Contributor
Posts: 79
Registered: ‎08-23-2008
0

Re: Does HIPAA Even Work?????

BUMP
Smiley Happy
Established Member
Posts: 46
Registered: ‎07-30-2007
0

Re: Does HIPAA Even Work?????

Yes HIPPA works

 

Myself x 1/1

Wife x 3/4 (waiting for Experian then it will be 4/4)

8.25.07----656
7.28.07----637
5.20.07----580
Established Contributor
Posts: 555
Registered: ‎02-22-2008
0

Re: Does HIPAA Even Work?????

Want2b,

 

Have you had any changes since you sent the CRA the copy of the gc and letter you sent to the CA?  Is that the last step you have taken? 

Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007
0

Re: Does HIPAA Even Work?????

What was EX's response to your follow-up dispute letter? As for the CA's response, it more than appears they have a business purpose to your PHI and they have validated the debt. IF EX verifies, then do the following:

 

Scenario #1: If the CRA verifies your unpaid (and in rare instances, paid ones too) med collection and the reporting CA provides a complete and accurate validation of the account, send the HIPAA letter to the OC CMRRR. Use  insert A and pay with a cashier’s check and use the restrictive endorsement on the back of the check, for deposit only into the account of Dr. XXXXX  XXXXX or the Hospital Name) and send it CMRRR. If paid, use insert B.

 

HIPAA LETTER TO THE OC

 

Send the first letter to the OC, once you receive the green card, send follow-up dispute letter below to the CRA’s CMRRR.

 

FOLLOW-UP DISPUTE LETTER TO THE CRA

  

Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


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