topic Re: Score a win for pre-hippa with trans, still no progress with Experian in Recovering from Medical Debt

Score a win for pre-hippa with trans, still no progress with Experian

Anonymous — Wed, 25 Mar 2009 05:21:22 GMT

I assume its Fuse I am thanking. Just got a letter response from the pre-hippa letter I sent to TransUnion and they indicate, they deleted the CA. thanks again.

With regard to Experian, I followed the procedure up to sending scenerio 3 letter for an account paid in full. Have received back both green cards from collection agency and Experian. However, the CA has not sent me anything yet and Experian sent me a copy of my credit report still showing the collection account, although it does show that it has been paid.

Is my next step to file a complaint with state and federal authorities.

thanks,

jack

Re: Score a win for pre-hippa with trans, still no progress with Experian

fused — Wed, 25 Mar 2009 17:22:41 GMT

Congrats on TU deleting your med collection. As for EX, the evil one, is your med collection marked as disputed and verified on your report?

Re: Score a win for pre-hippa with trans, still no progress with Experian

Anonymous — Thu, 26 Mar 2009 08:13:55 GMT

Hello,

It reads

Status - Paid Closed/Collection Account

Account History - Collection as of Feb 2009

Creditor's Statement - "Account closed at credit grantor's request."

This item was verified and updated on Feb 2009

thanks,

Jack

Re: Score a win for pre-hippa with trans, still no progress with Experian

fused — Thu, 26 Mar 2009 17:46:29 GMT

Who did you pay, the CA or the OC?

Re: Score a win for pre-hippa with trans, still no progress with Experian

Anonymous — Thu, 26 Mar 2009 19:38:16 GMT

This is a little confusing. The original bill for 527 was incurred in Jun 08. Early Dec 08, I finally paid a $100 to the OC. It was cashed. About mid Dec 08, I paid another 100 and that got cashed. I, for no particularly, reason, decided to wait for the updated bill to arrive before paying the next bill, as I figured a bill would arrive early Jan 09. I seem to recall getting a notice once a month anyways. As they were cashing the checks, I didn't give it much thought.

Early Jan 09, I got a call from CA at work. As it turned out the OC sent the account to CA mid Dec 08. CA immediately reported to the all The CRA and went about getting a hold of me. The OC verified they sent it to CA mid Dec. They also verified getting the payments. The OC informed CA that 200 had been received. I paid the balance to the CA and CA indicated they'd clear my files. Obviously not.

Mid January I sent pre hippa to Experian after opting out. Mid February, sent scenerio 3 to CA (still no response). A few days later when green card came back, sent follow up letter to Experian. Received green card a few days later and copy of credit report about 2 weeks ago showing no action.

thanks,

Jack

Re: Score a win for pre-hippa with trans, still no progress with Experian

fused — Thu, 26 Mar 2009 19:46:23 GMT

Are you certain this collection is marked as "disputed and verified" on your EX report?

Re: Score a win for pre-hippa with trans, still no progress with Experian

Anonymous — Fri, 27 Mar 2009 04:08:38 GMT

The comments stated, verified Feb 09, but does not have the word disputed in it

thanks,

jack

Re: Score a win for pre-hippa with trans, still no progress with Experian

fused — Fri, 27 Mar 2009 04:29:50 GMT

EX is far and away the most difficult CRA to get a collection deleted from. Is the CA a local one in your area or a national one?

Re: Score a win for pre-hippa with trans, still no progress with Experian

Anonymous — Fri, 27 Mar 2009 06:59:51 GMT

The CA is local. Although I'm wondering if I went the wrong route. Rereading your hippa procedure, it looks like the scenerio 1 wth insert B might have been more accurate. CRA did verify and provide me with an accurate location of the CA. And it is paid. Should I have sent a letter to the original OC, it is also local?

thanks

jack

Re: Score a win for pre-hippa with trans, still no progress with Experian

Anonymous — Sat, 28 Mar 2009 10:07:21 GMT

Hello,

I'm thinking I have had no contact with the OC, other than the payments I sent to them about the time they sent me to the CA. I'm thinking I should shoot the OC a letter of complaint. What do you think?

thanks,

jack

Re: Score a win for pre-hippa with trans, still no progress with Experian

fused — Sat, 28 Mar 2009 18:28:22 GMT

It will be hard for you to use the HIPAA letter to the OC since the CA never validated the debt. Without the CA validating the debt, you have no proof that a business relationship still exists between the OC and the CA. You could try sending the HIPAA letter using insert B, but I wouldn't count on the OC having the CA delete the thread.

Re: Score a win for pre-hippa with trans, still no progress with Experian

Anonymous — Mon, 20 Apr 2009 05:17:28 GMT

Dear Fused,

Been waiting for a reply from someone, anyone before I corresponded back to you.

Although I had sent a scenerio 3 letter to CA, I did send a HIPAA letter to OC about 10 days ago. I finally got a letter back from CA with a cover letter that stated the account has been paid in full and a number for me to call if I have additional issues. It mentioned nothing about deletion from CRA's. The letter also had copy of insurance info and release from OC plus a copy of itemized payment history from OC.

Should I call the CA and work something out directly. At this point, the only other option would be to actually file a complaint.

Thank you,

Jack