topic Re: Online Dispute and HIPPA process in Recovering from Medical Debt

Online Dispute and HIPPA process

Anonymous — Fri, 10 Apr 2009 12:10:17 GMT

My husband recently paid a medical collection to the OC (it is being reported as unpaid by the CA). He initiated on online dispute that the collection is paid in full (we had not yet found this thread). We are still waiting on the results, should the collection fall off because it is paid? After we get the results and if it does not get deleted should we send the handwritten dispute letter to the CRA or go on to the next step (letter to OC).

Thank you for your help!

*I have already completed the opt-out steps

Re: Online Dispute and HIPPA process

Schoolbuskid — Fri, 10 Apr 2009 13:53:01 GMT

There is a chance that it could be deleted, but more and likely it will remian! You need to start the hipaa process, but maybe you should wait til you get your results back!

Here's the link...Hipaa Process

Re: Online Dispute and HIPPA process

fused — Fri, 10 Apr 2009 18:05:50 GMT

Welcome to the forums, beachbum? On your reports, is this med collection marked as "in dispute"?

Re: Online Dispute and HIPPA process

Anonymous — Fri, 10 Apr 2009 19:23:01 GMT

Thank you! The status is still unpaid collection.

Re: Online Dispute and HIPPA process

fused — Fri, 10 Apr 2009 19:56:56 GMT

Its unpaid, ok, but look carefully at your reports to see if there is any notation on them that you have an ongoing dispute, or it was disputed and verified. I cannot help you unless you can answer this question.

Re: Online Dispute and HIPPA process

Anonymous — Fri, 10 Apr 2009 21:12:08 GMT

Ok sorry, I misunderstood. There is no notation about an ongoing dispute or that it was disputed and verified.

Re: Online Dispute and HIPPA process

fused — Fri, 10 Apr 2009 21:18:12 GMT

When did you dispute this med collection online? The Date?

Re: Online Dispute and HIPPA process

Anonymous — Sat, 11 Apr 2009 02:14:46 GMT

...so this is very embarrassing...husband just informed me that he never got around to actually disputing the collection, he just paid it 3 days ago. So now I'm assuming we just wait for the status to change to paid and then send off the HIPPA letter?

Re: Online Dispute and HIPPA process

fused — Sat, 11 Apr 2009 02:26:09 GMT

You can begin the HIPAA letter process now, here are the first few steps.

Step #1: Opt Out of two things: Your Credit Reports and All Creditors. The first one ensures that the CRAs will not sell your personal data to anyone else (haha…no more data mining). The second one will prevent JDBs (and CAs) from buying and selling bogus collections.

Use this link to opt-out of your credit reports

OPT-OUT CREDIT REPORTS (or call 1.888.567.8688)

Use this link to opt-out from all of your CURRENT creditors that you're in GOOD standing with. Do not attempt to opt-out with any CAs or current creditors that you're in BAD standing with (i.e. charge-offs, or currently late).

OPT-OUT ALL CREDITORS

Step #2: Also, be sure to update your personal information with the CRA's before attempting to reestablish your credit.

Step #3: Send the pre-HIPAA dispute letter to the CRA ('s) CM (no RR, this is the only letter in the HIPAA process where you will not send it CMRRR) and wait up to 35 days for the results of the their investigation(s). Be sure to handwrite this letter (and the envelop too) using personalized stationary and teal blue ink. If your med collection is deleted, you're finished. If its not deleted, please post again in this forum before continuing on with the HIPAA progam. Good luck!

PRE-HIPAA MEDICAL DISPUTE LETTER

Re: Online Dispute and HIPPA process

Anonymous — Sat, 11 Apr 2009 13:42:00 GMT

Thank you very much!

Re: Online Dispute and HIPPA process

fused — Sat, 11 Apr 2009 23:59:41 GMT

No problem!

Re: Online Dispute and HIPPA process

Anonymous — Fri, 01 May 2009 15:02:22 GMT

UPDATE!

We just recieved investigation results from Equifax. Both medical collections came back verified and paid. Do I continue with HIPAA or am I done since they have been verified and marked as paid.

Re: Online Dispute and HIPPA process

fused — Fri, 01 May 2009 17:42:29 GMT

Are you 100% sure this collection is marked as paid on all reports?

Re: Online Dispute and HIPPA process

Anonymous — Fri, 01 May 2009 18:59:15 GMT

Here's where we are so far...

I've double checked the Equifax letter and we just received a verification letter from Transunion, the two medical collections have been verified and marked as paid. We still have not received our letter from Experian. I'm assuming that we need to wait to hear from Experian. What happens if that one comes back paid as well?

Re: Online Dispute and HIPPA process

fused — Fri, 01 May 2009 19:23:21 GMT

Wait for EX to complete its investigation of your dispute. Then we can decide what to do.

Re: Online Dispute and HIPAA process

Anonymous — Wed, 13 May 2009 15:29:02 GMT

Ok, so we finally have all three results back. Experian came back with both medical collections listed as paid and verified. Do I have any other recourse or is this the end?

Re: Online Dispute and HIPAA process

fused — Wed, 13 May 2009 20:03:07 GMT

Check all three of your reports to see if they are marked as "disputed and verified"; this is very important to know. Also, be sure to check your reports directly from the CRAs, not FICO reports.

Re: Online Dispute and HIPAA process

Anonymous — Wed, 13 May 2009 20:50:54 GMT

I double checked, and all three agencies are reproting both collections as verified.

Re: Online Dispute and HIPAA process

fused — Wed, 13 May 2009 21:00:05 GMT

Ok! And ALL collections are marked as paid, right?

Re: Online Dispute and HIPAA process

Anonymous — Wed, 13 May 2009 21:06:19 GMT

yes, they are all marked as paid.