Reply
New Contributor
Posts: 71
Registered: ‎04-01-2008
0

pre hipaa and no response yet

July 29 I mailed a pre hipaa/letter 1 to EQ. I mailed it CM but no RRR. It was recieved July 31. I have gotten nothing from EQ yet and its nearing the 30 day mark. What happens if I dont get a response from EQ by the 30 + 5 day for mailing?
6-03-08 FICO TU 621 EX 630 EQ 595
7-23-08 FICO TU 648 EX 642 EQ 640
8-28-08 FICO TU 648
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
0

Re: pre hipaa and no response yet

Is this med collection paid or unpaid?

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

New Contributor
Posts: 71
Registered: ‎04-01-2008
0

Re: pre hipaa and no response yet

unpaid
6-03-08 FICO TU 621 EX 630 EQ 595
7-23-08 FICO TU 648 EX 642 EQ 640
8-28-08 FICO TU 648
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
0

Re: pre hipaa and no response yet

[ Edited ]
This is strange, I would expect this med coll to be verified since it's unpaid. If you do not receive a response after 35 days, send this modified pre-HIPAA dispute letter to EQ CMRRR.
 
Dear CRA,

 

Sir,

 

This is a dispute of account information on my credit report, (report #)

Please re-investigate (or investigate if you have not previously disputed) the following disputed account on my credit report. (give CA name and acct. #)

 

Please furnish me with verification that (CA name) is reporting this account from (OC name) for ($ amount) in my name. I require the identification of the reporting party and the date of their verification. Please be advised that this request is being made in accordance with the requirements of the FCRA and FACTA and the reporting privacy rules of the HIPAA and (your State)'s Medical Privacy Act.

 

 

Sincerely,



Message Edited by fused on 08-29-2008 12:49 PM
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

New Contributor
Posts: 71
Registered: ‎04-01-2008
0

Re: pre hipaa and no response yet

Ok I can do that. However in the modified letter it says:

I have disputed this unknown medical account with the reporting Collection Agent, ( copy enclosed with proof of their receipt) and have had no response.

I have not DV or had any contact with the CA, despite all the phone calls.
Was I supposed to before starting the pre hipaa with the CRA?

Thanks
6-03-08 FICO TU 621 EX 630 EQ 595
7-23-08 FICO TU 648 EX 642 EQ 640
8-28-08 FICO TU 648
Moderator Emeritus
Posts: 16,373
Registered: ‎03-12-2007
0

Re: pre hipaa and no response yet

Sorry, I have been known to do this when I tired. Please look at my edited post above.
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

New Contributor
Posts: 71
Registered: ‎04-01-2008
0

Re: pre hipaa and no response yet

Ok THANKS Fused!!
That letter will be ready and mailed on Tuesday.
6-03-08 FICO TU 621 EX 630 EQ 595
7-23-08 FICO TU 648 EX 642 EQ 640
8-28-08 FICO TU 648

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.