@Anonymous wrote:
I received a call from a collection agency and attempted to call them a few times because it was 2 -$40 accounts for copays, no answer so I drove to Dr's office paid the bill. Meanwhile the CA placed 2- collection accts on my report, dropped my score 80 points. I called Dr's office ask if she wld contact CA.
I disputed and spoke w CA who says they were notified that I paid the Dr, and they will continue to report for 7 years.
I've read about the hippa process, and my question is,is this still a valid defense eeverything I've read says it isn't illegal to report debt.
Lastly, any suggestions?? Thank you in advance
If you didnt have an agreement with the OC to recall the collectors prior to payment then their update of paid collection is proper. You now have to use GW letters to ask the CA to remove their reporting. http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Stories/td-p/1573680
The HIPAA process cannot be discussed on this board. You would have to Google for it.
