topic Pre-HIPAA CA letter - new account pops onto Experian in Rebuilding Your Credit

Pre-HIPAA CA letter - new account pops onto Experian

upinflagstaff — Wed, 17 Sep 2008 16:55:48 GMT

I sent the letter to the CA after getting the usual response from Experian and Equifax. They haven't responded to the DV yet, but they added a second collection to my report. It was not there on 9/09/08. It is there today. I think added just this morning: I've been peeking at the refreshed CRA and it wasn't there as late as yesterday.

I'm starting to feel like Marvin the Martian, "this makes me very angry!"

Re: Pre-HIPAA CA letter - new account pops onto Experian

fused — Wed, 17 Sep 2008 19:21:05 GMT

Do you believe this new collection is for the same debt or a different one. Are these for hospital or doctor's bills?

Re: Pre-HIPAA CA letter - new account pops onto Experian

upinflagstaff — Wed, 17 Sep 2008 22:37:19 GMT

This would appear to be a different debt. The amounts and dates are different. The OC is the same. It's medical as well. I was really hoping to have no derogs remaining +1 is in the wrong direction for that. I thought I had all the baddies accounted for as well.

Re: Pre-HIPAA CA letter - new account pops onto Experian

fused — Thu, 18 Sep 2008 00:45:28 GMT

Please tell us exactly what letters you have written, to whom and when. What were the results with CRA's (be specific)? I need to make sure you have followed the HIPAA process correctly.

Re: Pre-HIPAA CA letter - new account pops onto Experian

upinflagstaff — Thu, 18 Sep 2008 01:37:16 GMT

I started with letter #1 to the CRAs. TU deleted. EX and EQ verified. I sent letter #2(?) the CA DV to the CA. They have not validated yet (assuming that they can) - they received the letter on 9/09/08.

Today a seemingly different collection appeared on EX. The dates and amounts are different from the original medical. I have no idea if it's valid or not. I haven't sent anything to them as of yet regarding the new account on my CR - I spent my "allowance" this week on Greenspan's book instead of CM.

Message Edited by upinflagstaff on 09-17-2008 06:37 PM

Re: Pre-HIPAA CA letter - new account pops onto Experian

fused — Thu, 18 Sep 2008 18:33:33 GMT

After sending the medical DV to EX and EQ on the first collection, did you also send the follow-up dispute letter to EX and TU after receiving your green cards? It doesn't sound like the CA can validate, they would have done so by now.

FOLLOW-UP DISPUTE LETTER (2) TO THE CRA'S

With the new EX collection start with the pre-HIPAA medical dispute letter.

PRE-HIPAA MEDICAL DISPUTE LETTER

Re: Pre-HIPAA CA letter - new account pops onto Experian

angelalala — Thu, 18 Sep 2008 19:26:11 GMT

Same thing just happened to me (Illinois Collection Service added a few more collections to my Experian). I haven't heard back from the CRAs, but it's not been long.

Re: Pre-HIPAA CA letter - new account pops onto Experian

upinflagstaff — Thu, 18 Sep 2008 21:18:51 GMT

@fused wrote:

After sending the medical DV to EX and EQ on the first collection, did you also send the follow-up dispute letter to EX and TU after receiving your green cards? It doesn't sound like the CA can validate, they would have done so by now.

I was waiting for the 30 days to expire, so no I have not.

With the new EX collection start with the pre-HIPAA medical dispute letter.

PRE-HIPAA MEDICAL DISPUTE LETTER

I have to pull my EQ report too to find out if they hit that one as well. The DV was for EX and EQ. EQ is a real pain to get a report from. A (valid)FA seems to keep me from being able to do much online with them.

Re: Pre-HIPAA CA letter - new account pops onto Experian

fused — Thu, 18 Sep 2008 21:44:33 GMT

Once the Med DV letter is received by the CA and you have the green card in hand, you're supposed to send this letter ASAP to the CRA's.

FOLLOW-UP DISPUTE LETTER (2) TO THE CRA'S

Re: Pre-HIPAA CA letter - new account pops onto Experian

upinflagstaff — Thu, 18 Sep 2008 22:05:22 GMT

Ah. I missed that. I will be mailing this letter. Do you think I can include the pre-HIPAA for the new collection with it or should I stick with one thing at a time?

Re: Pre-HIPAA CA letter - new account pops onto Experian

upinflagstaff — Fri, 19 Sep 2008 16:58:26 GMT

OK. Those letters are in the mail to the CRAs. How long should I wait for a response from the CRAs?

Re: Pre-HIPAA CA letter - new account pops onto Experian

fused — Fri, 19 Sep 2008 18:26:31 GMT

The pre-HIPAA med dispute letter cannot be mailed with a follow-up dispute letter to the CRA for a different collection. Why? Remember the pre-HIPAA letter has stationary and font guidelines while follow-up dispute letter does not.

Re: Pre-HIPAA CA letter - new account pops onto Experian

fused — Fri, 19 Sep 2008 18:26:52 GMT

upinflagstaff wrote:
OK. Those letters are in the mail to the CRAs. How long should I wait for a response from the CRAs?

Up to 45 days.

Re: Pre-HIPAA CA letter - new account pops onto Experian

angelalala — Sat, 20 Sep 2008 03:56:41 GMT

@fused wrote:
The pre-HIPAA med dispute letter cannot be mailed with a follow-up dispute letter to the CRA for a different collection. Why? Remember the pre-HIPAA letter has stationary and font guidelines while follow-up dispute letter does not.

May I ask WHY the font guidelines? I did it, but I'm not sure what the rationale is. . .(my guess has to do with difficulty photocopying?).

Re: Pre-HIPAA CA letter - new account pops onto Experian

fused — Sat, 20 Sep 2008 04:03:34 GMT

@angelalala wrote:

@fused wrote:

The pre-HIPAA med dispute letter cannot be mailed with a follow-up dispute letter to the CRA for a different collection. Why? Remember the pre-HIPAA letter has stationary and font guidelines while follow-up dispute letter does not.

May I ask WHY the font guidelines? I did it, but I'm not sure what the rationale is. . .(my guess has to do with difficulty photocopying?).

By following the stationary and font guidelines with the pre-HIPAA med dispute letter, you are trying to force a HUMAN to manually open your dispute and it helps to avoid the dreaded e-oscar electronic MOV which almost always results in the CRA's verifying all debts. By using this type of stationary and font, the scanners at the CRA's have a tough time scanning correspondence of this type. For more on the BS of e-oscar MOV, read this.

http://www.e-oscar.org/

Re: Pre-HIPAA CA letter - new account pops onto Experian

upinflagstaff — Tue, 30 Sep 2008 17:30:53 GMT

@fused wrote:
The pre-HIPAA med dispute letter cannot be mailed with a follow-up dispute letter to the CRA for a different collection. Why? Remember the pre-HIPAA letter has stationary and font guidelines while follow-up dispute letter does not.

I messed this up the first time around. I didn't use colored paper, funky fonts or anything like that.

I just checked my EQ report and the first med collection has been deleted. The second one (newly reported) I have to begin again. I just bought a packet of colored paper and will be sending the Pre-HIPAA off to EQ for this new one.

EX likes to be slow

Since I am willing to pay these wouldn't it have been easier for the CA to validate? It's for $140 for the first one and $80 for the second one.