topic Re: Completed the HIPAA Letter process - need additional help! in Recovering from Medical Debt

topic Re: Completed the HIPAA Letter process - need additional help! in Recovering from Medical Debt https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465514#M574 <P>I realize your collections have been marked as verified, but EX should re-investigate because there is new information, the HIPAA letter. </P><P> </P><P><SPAN style="color: #444444; font-family: 'Arial','sans-serif'">Since the CRA verified your unpaid (and in rare instances, <FONT color="#ff0000">paid ones too)</FONT> med collections <STRONG>and</STRONG> the reporting CA provided a complete and accurate validation of the account, send the </SPAN><A href="http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=27524&jump=true" target="_blank">HIPAA LETTER TO THE OC</A><SPAN style="color: #444444; font-family: 'Arial','sans-serif'"> to the OC CMRRR. Since all of these are paid, use insert B. </SPAN></P><P> </P><P>Normally I don't recommend this, but you can write one HIPAA letter for all six accounts. Once you receive the green cards back from the HIPAA letter to the OC, send this letter to the CRA CMRR.<A href="http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=27525&jump=true" target="_blank"> </A></P><P><A href="http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=27525&jump=true" target="_blank">FOLLOW-UP DISPUTE LETTER TO THE CRA</A></P><P> </P><P>Be sure to attach a copy of the green card from the OC HIPAA letter to your follow-up dispute. Wait up to 35 days for the CRA to complete their investigations or delete the collections.  </P><P> </P><P>Depending on the outcome of the these disputes, your collections will be deleted, your collections are no deleted and you'll need to file a HIPAA complaint against the OC or file a complaint against the EX with the FTC, or both.   </P> Tue, 24 Mar 2009 02:13:03 GMT fused 2009-03-24T02:13:03Z Completed the HIPAA Letter process - need additional help! https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465490#M571 <P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">Hi everyone...I need some additional help.</FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3"> </FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">I have completed the Medical Collections & HIPAA letter process with some success.<SPAN>  </SPAN>I had accounts reporting from several CA’s.<SPAN>  </SPAN>The others were deleted from my reports, but I have 6 accounts remaining from 1 CA.<SPAN>  </SPAN>Here is the process I followed</FONT></P><STRONG><U><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">Detailed HIPAA process</FONT></FONT></FONT></U></STRONG><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">1/15/2009 - Completed step #1 & 2</FONT></FONT></FONT></P><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">1/21/2009 – step #3; sent pre-HIPAA letter CM</FONT></FONT></FONT></P><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">2/4/2009 - Experian sent letter stating they verified the account</FONT></FONT></FONT></P><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">2/18/2009 – Scenario #3 & sent Alternative Med DV letter to CA (CMRRR)</FONT></FONT></FONT></P><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">2/26/2009 – Sent Follow-up Dispute letter to CRA (CMRRR)</FONT></FONT></FONT></P><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">3/16/2009 – received CM from Nationwide; Validation of Debt.<SPAN>  </SPAN>Letter included copies of itemized invoices & description of medical treatment & codes</FONT></FONT></FONT></P><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">3/23/2009 – received letter from Experian stating “We have already investigated this info and the credit grantor has verified its accuracy”</FONT></FONT></FONT></P><FONT color="#000000" face="Times New Roman" size="3"> </FONT><STRONG><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">These six paid accounts remain on my Experian report.</FONT></FONT></FONT></STRONG><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">Nationwide Credit & Collections (reporting)</FONT></P><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">    OC – Loyola Hospital<SPAN>              </SPAN>Status – Paid (Nationwide) 9/26/2008</FONT></FONT></FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">    Date of Service<SPAN>  </SPAN>9/2006<SPAN>            </SPAN>Amount $53<SPAN>                 </SPAN>Balance<SPAN>  </SPAN>$0</FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">Nationwide Credit & Collections (reporting)</FONT></P><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">    OC – Loyola Hospital<SPAN>              </SPAN>Status – Paid (Nationwide) 9/30/2008</FONT></FONT></FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">    Date of Service<SPAN>  </SPAN>11/2006 <SPAN>         </SPAN>Amount $42<SPAN>                 </SPAN>Balance<SPAN>  </SPAN>$0</FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">Nationwide Credit & Collections (reporting)</FONT></P><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">    OC – Loyola Hospital<SPAN>              </SPAN>Status – Paid (Nationwide) 9/30/2008</FONT></FONT></FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">    Date of Service<SPAN>  </SPAN>12/2006 <SPAN>         </SPAN>Amount $42<SPAN>                 </SPAN>Balance<SPAN>  </SPAN>$0</FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">Nationwide Credit & Collections (reporting)</FONT></P><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">    OC – Loyola Hospital<SPAN>              </SPAN>Status – Paid (Nationwide) 9/30/2008</FONT></FONT></FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">    Date of Service<SPAN>  </SPAN>12/2006 <SPAN>         </SPAN>Amount $42<SPAN>                 </SPAN>Balance<SPAN>  </SPAN>$0</FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">Nationwide Credit & Collections (reporting)</FONT></P><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">    OC – Loyola Hospital<SPAN>              </SPAN>Status – Paid (Nationwide) 9/30/2008</FONT></FONT></FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">    Date of Service<SPAN>  </SPAN>1/2007 <SPAN>           </SPAN>Amount $42<SPAN>                 </SPAN>Balance<SPAN>  </SPAN>$0</FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">Nationwide Credit & Collections (reporting)</FONT></P><P class="MsoNormal"><FONT size="3"><FONT color="#000000"><FONT face="Times New Roman">    OC – Loyola Hospital<SPAN>              </SPAN>Status – Paid (Nationwide) 9/30/2008</FONT></FONT></FONT></P><P class="MsoNormal"><FONT color="#000000" face="Times New Roman" size="3">    Date of Service<SPAN>  </SPAN>2/2007 <SPAN>           </SPAN>Amount $42<SPAN>                 </SPAN>Balance<SPAN>  </SPAN>$0</FONT></P> Tue, 24 Mar 2009 01:28:50 GMT https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465490#M571 Rebs6767 2009-03-24T01:28:50Z Re: Completed the HIPAA Letter process - need additional help! https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465499#M572 No you're not done with the HIPAA letter process! Before I can give you some advise, are you certain the CA's validation was complete and accurate. The reason I ask this is because you have 5 out of 6 paid med collections with the same CA that were for the exact same amount, $42. Can I ask what all of these collections came from. Tue, 24 Mar 2009 01:37:31 GMT https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465499#M572 fused 2009-03-24T01:37:31Z Re: Completed the HIPAA Letter process - need additional help! https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465501#M573 <P>The $42 charges were from a series of lab tests; 4 or 5 weeks apart</P> Tue, 24 Mar 2009 01:39:04 GMT https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465501#M573 Rebs6767 2009-03-24T01:39:04Z Re: Completed the HIPAA Letter process - need additional help! https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465514#M574 <P>I realize your collections have been marked as verified, but EX should re-investigate because there is new information, the HIPAA letter. </P><P> </P><P><SPAN style="color: #444444; font-family: 'Arial','sans-serif'">Since the CRA verified your unpaid (and in rare instances, <FONT color="#ff0000">paid ones too)</FONT> med collections <STRONG>and</STRONG> the reporting CA provided a complete and accurate validation of the account, send the </SPAN><A href="http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=27524&jump=true" target="_blank">HIPAA LETTER TO THE OC</A><SPAN style="color: #444444; font-family: 'Arial','sans-serif'"> to the OC CMRRR. Since all of these are paid, use insert B. </SPAN></P><P> </P><P>Normally I don't recommend this, but you can write one HIPAA letter for all six accounts. Once you receive the green cards back from the HIPAA letter to the OC, send this letter to the CRA CMRR.<A href="http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=27525&jump=true" target="_blank"> </A></P><P><A href="http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&thread.id=27525&jump=true" target="_blank">FOLLOW-UP DISPUTE LETTER TO THE CRA</A></P><P> </P><P>Be sure to attach a copy of the green card from the OC HIPAA letter to your follow-up dispute. Wait up to 35 days for the CRA to complete their investigations or delete the collections.  </P><P> </P><P>Depending on the outcome of the these disputes, your collections will be deleted, your collections are no deleted and you'll need to file a HIPAA complaint against the OC or file a complaint against the EX with the FTC, or both.   </P> Tue, 24 Mar 2009 02:13:03 GMT https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465514#M574 fused 2009-03-24T02:13:03Z Re: Completed the HIPAA Letter process - need additional help! https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465552#M580 <P>Thanks for your help.  I'll send out the HIPAA letter to the OC tomorrow.  This is a powerful letter, I'm hoping for great results...Thanks Again fused</P> Tue, 24 Mar 2009 02:46:50 GMT https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465552#M580 Rebs6767 2009-03-24T02:46:50Z Re: Completed the HIPAA Letter process - need additional help! https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465555#M582 Your situation is unique in that a CA sent full validation on a paid collection. This does not happen often. You have clear evidence that the OC and CA still have a business relationship as it pertains to your PHI. This is an absolute no-no. I hope the OC understands what they're doing is in violation of the Privacy Acts of HIPAA. Tue, 24 Mar 2009 02:51:21 GMT https://ficoforums.myfico.com/t5/Recovering-from-Medical-Debt/Completed-the-HIPAA-Letter-process-need-additional-help/m-p/465555#M582 fused 2009-03-24T02:51:21Z