Frequent Contributor
Posts: 454
Registered: ‎08-18-2008

HIPAA question

Detail question... just so I understand.


If a CA or OC does not validate an unpaid medical bill (one that is verified by the CRAs) within 35 days of the CRA receiving the pre-HIPAA letter, they must delete?


I believe one of my bills cannot be validated because even the OC couldn't send me anything on it because it's on the "old system." I had called them before I found this forum, and wanted to pay them directly but wanted to see an actual bill. She said she can't even produce one.


I know you guys must be sick of these HIPAA questions and I appreciate your patience.

Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007

Re: HIPAA question

Technically, an OC does not validate, a CA does. I find it very irritating that a CRA can verify an invalid debt. By law, if the CA does not validate the debt, yes, it's suppose to be deleted.
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+