topic Re: Response from Experian in Recovering from Medical Debt

Response from Experian

Anonymous — Wed, 29 Apr 2009 02:20:03 GMT

In a response from Experian to my PreHippa letter they wrote:

If you question the results of our investigation, then you may want to contact the data furnisher directly. Please refer to your original personal credit report for the business name, address, and phone number (if available) of the source that verified the information. Sincerely Experian

This is the only letter I have received from Experian. I thought my letter was to initiate an investigation not to question the results?? So, what should be my next course of action? dP

Re: Response from Experian

fused — Wed, 29 Apr 2009 02:54:40 GMT

When did EX receive your dispute? Is this collection marked as "disputed by the consumer and verified" on your EX report? Has the CA sent you validation after EX received your pre-HIPAA dispute letter?

Re: Response from Experian

Anonymous — Wed, 29 Apr 2009 03:35:02 GMT

When did EX receive your dispute? 4/17

Is this collection marked as "disputed by the consumer and verified" on your EX report? No, it says currently being investigated.

Has the CA sent you validation after EX received your pre-HIPAA dispute letter? No

When I first ordered my report from EX I didnt see that until looking at the printable report. This letter may have been from my personal info verification. Does that sound plausible?

Message Edited by deadpools on 04-28-2009 08:35 PM

Re: Response from Experian

fused — Wed, 29 Apr 2009 03:40:09 GMT

EX's letter was in response to your pre-HIPAA medical dispute letter. Is this med collection paid or unpaid? If unpaid, can you afford to pay it in full if you have to?

Re: Response from Experian

Anonymous — Wed, 29 Apr 2009 04:21:02 GMT

EX's letter was in response to your pre-HIPAA medical dispute letter.

Is this med collection paid or unpaid? Unpaid

If unpaid, can you afford to pay it in full if you have to? Yes.

Re: Response from Experian

fused — Wed, 29 Apr 2009 17:46:50 GMT

Your next step to do is scenario #2.

Message Edited by fused on 04-29-2009 07:46 AM

Re: Response from Experian

Anonymous — Wed, 29 Apr 2009 19:00:06 GMT

ok I will do that, but should I wait the full 35 days to hear something from the CA? dP

Message Edited by deadpools on 04-29-2009 12:00 PM

Re: Response from Experian

CreditGuy03 — Thu, 30 Apr 2009 16:05:21 GMT

I would go ahead with step 2 and use insert A. Experian is difficult to deal with. The CA may or may not ever send validation.

Re: Response from Experian

fused — Thu, 30 Apr 2009 18:52:12 GMT

deadpools wrote:
ok I will do that, but should I wait the full 35 days to hear something from the CA? dP
Message Edited by deadpools on 04-29-2009 12:00 PM

Your supposed to give 30 days, but I have found that if the CA has the "goods" on you, they'll validate within 3 weeks. Don't be surprised if the CA doesn't respond, it not unusual.

Re: Response from Experian

fused — Thu, 30 Apr 2009 18:54:07 GMT

CreditGuy03 wrote:
I would go ahead with step 2 and use insert A. Experian is difficult to deal with. The CA may or may not ever send validation.

The OC letter is not the right step to take with deadpool's situation. A business relationship between the OC and CA hasn't been proven yet.

Re: Response from Experian

Anonymous — Thu, 30 Apr 2009 18:56:46 GMT

So if the CA doesnt validate I need to send the DV letter to the CA directly since I dont have any information from the OC, is this correct?

Re: Response from Experian

fused — Thu, 30 Apr 2009 19:06:07 GMT

Yes, if after you send the pre-HIPAA letter and the CRAs verifiy the collection but the CA doesn't send you validation, you send the CA the Med DV letter if the collection is unpaid (scenario #2), if its paid, you send the CA the Alt Med DV letter (scenario #3).

Re: Response from Experian

Anonymous — Thu, 30 Apr 2009 19:18:35 GMT

thanks fused!