Tried PFD, got verification with personal information.

[ALD22]

I'm trying to clean up the last few medical collections on my report. There were two very small ones that I offered to PFD and the CA sent a validation letter with a copy of the orignal bill including the procedures that were done. It doesn't say in the letter they will accept a PFD, only to remit payment within 10 days. I did this before i read about the HIPAA process which I am going to do with the other two bigger collections I have. What are my next steps with this one? Do I pay it and then ask for a goodwill delete? 

Thanks! 

[Anonymous]

For my medical collection - when they vaildated with tons of info on me I sent a hardball letter telling them basically they shouldn't have all those details on me. It was my understanding CAs should only get limited info on you when it comes to medical. I wanted them to know I mean't business. They disappeared very fast no letters or anything. I called the hospital and was like so the CA won't accept payment but I want to just take of this so we can all move on. They *finally* accepted after verifying the CA closed it. at first they wouldn't even talk to me after I got a dunning letter from a CA. They even accepted a settlement offer better than the CA was going to offer. And they tripled checked that none of this was on my credit reports.

It was extremely stressful but I was trying to prevent them from going on my credit after receiving a dunning letter after I was done repairing. If you don't want to try this hardball route (for instance if it has been a long time since receiving the dunning letter) I'd settle for a PFD. If that doesn't work settle and try getting a goodwill.

[RobertEG]

Medical providers are limited under HIPAA to only providing basic information necessary to carry out collection of a debt to a debt collector.

That cannot identify any information regarding what medical services were provided.

If the debt collector was provided information that is a violation of HIPAA, recourse is against the medical provider for violation of the privacy requirements of HIPAA.

You should file a HIPAA complaint against them.

Violation of the privacy restrictions under HIPAA is not basis, per se, for requring deletion of the collection.

It is basis for a separate non-compliance complaint under HIPAA.