topic Re: ok...here's another question...medical CA in General Credit Topics

ok...here's another question...medical CA

Anonymous — Thu, 20 Dec 2007 17:50:54 GMT

Experian shows a CA for a medical bill. I just called the OC (our hospital) to review the account and it was paid by our insurance company, no add'l debt owed. This is how the CA is showing on Experian:

Status:
Paid,Closed/Collection account.
Date Opened:
01/2005
Type:
Collection
Credit Limit:
NA Date of Status:
03/2005 Terms:
1 Months High Balance:
NA Reported Since:
03/2005 Monthly Payment:
$0 Recent Balance:
NA Last Reported Date:
03/2005 Responsibility:
Individual Recent Payment:
NA
Your Statement:
NA
Account History:
Collection as of Mar 2005

If insurance paid, then technically it was never our financial responsibility, right? Hospital says that I have to write to CA and ask them to remove it since insurance did accept responsibilty and pay.

Re: ok...here's another question...medical CA

SmartCookie — Thu, 20 Dec 2007 18:10:45 GMT

OC has the ability and responsibility to have their CA correct (delete) this. As expected, they dumped it on you.

Go and dispute the CA TL as 'not mine'. This might solve everything in the quickest manner so I suggest starting here.

If it does not, MOV the CRA and DV the CA.

Re: ok...here's another question...medical CA

Anonymous — Thu, 20 Dec 2007 18:15:28 GMT

Thanks for the reply Smartcookie. This is going to sound stupid, but do you mean I should dispute the TL as not mine through Experian? Or do you mean write to the CA?

Thanks for answering,

Jenn

Re: ok...here's another question...medical CA

SmartCookie — Thu, 20 Dec 2007 18:19:36 GMT

Hey Jenn, does not sound stupid.

Dispute it directly to any CRA it is reporting with. Make sure to write down your dispute id #.

If it comes to the point of having to do a DV, the DV goes to the CA. I'm hoping it won't get to that point and is easily fixed with the dispute to EX.

Re: ok...here's another question...medical CA

Anonymous — Thu, 20 Dec 2007 18:21:19 GMT

thanks Smartcookie!!!!! off to dispute!

Re: ok...here's another question...medical CA

SmartCookie — Thu, 20 Dec 2007 18:22:20 GMT

Jenn this is a different situation than that $173 hospital bill for DH, or is this it? Method of fixing is still the same I'm just curious if you got the other situation fixed.

Re: ok...here's another question...medical CA

Anonymous — Thu, 20 Dec 2007 18:25:44 GMT

be aware that the CRA and CA may give you a hard time about this because, even though my have HI and they were supposed to pay, you are still personally responsible for making sure that everything is paid on time. In some cases this means that you pay and then have your HI reimburse you directly (most people are unaware of this).

So be persistent with the CRA and the CA. It should be taken care of. Good Luck.

Message Edited by dizzier on 12-20-2007 09:25 AM

Re: ok...here's another question...medical CA

Anonymous — Thu, 20 Dec 2007 18:29:22 GMT

alright...hit a roadblock already.

here's what EX online said:

Error

We have already investigated this information, and the creditor has verified that it is correct. If you still have a question about it, you may want to contact the creditor, or if you have additional relevant information, click here.

Smartcookie, this is a different bill.

Re: ok...here's another question...medical CA

Anonymous — Thu, 20 Dec 2007 18:33:52 GMT

keep at it. you could send the CRA a MOV and see if that gets you anywhere. I'd also try the hospital again and ask them to have the CA remove the account.

Re: ok...here's another question...medical CA

SmartCookie — Thu, 20 Dec 2007 18:41:30 GMT

Different bill, gotcha.

Do you remember disputing this before? If it won't accept a 'not mine' that was probably the reason you used on the 1st dispute.

Before MOV, call them and see if they will dispute again over the phone. Make sure you get a dispute ID#. If they will not re-investigate on phone, send a written dispute to EX CMRRR.

At the same time, I agree you should call OC and tell them that CA will not remove. Keep it simple and tell them this was not your error and they need to advise their CA to remove as you have already tried unsuccessfully.

If this does not work, you can follow on the next steps which will be MOV to EX and possibly using HIPAA.

Re: ok...here's another question...medical CA

Anonymous — Thu, 20 Dec 2007 20:52:19 GMT

google whychat hipaa letter -send the hospital the letter.... and be prepared ti file complaints if needed.

Re: ok...here's another question...medical CA

haulingthescoreup — Thu, 20 Dec 2007 21:40:26 GMT

I would send your letter to the hospital business office and cc the Vice President for Business or Finance, the patient advocate, and the chair of the Board of Directors.

The various job titles will differ by facility, but you are basically trying to get the attention of the person in charge of the business end of things at the hospital, the person in charge of patient satisfaction, and the head of the board, which is made up of influential outside (non-hospital) members, whose job it is to ensure that the hospital is serving the needs of the community.

It is utterly ridiculous that they would tell you to go clean up their own mess. Ridiculous, sloppy, lazy, irresponsible... Despite my grumpy tone, be pleasant in your letter!

Re: ok...here's another question...medical CA

Anonymous — Fri, 21 Dec 2007 14:16:46 GMT

Thanks everyone...you are all so helpful. Hopefully these steps will get me somewhere!

Thanks again.