If a medical collection was included in a BK and that BK is discharged does the CA have a "permissible business purpose" to report the collection anymore or should they remove it pursuant to HIPAA and privacy laws? The accounts are technically paid. However, there is no longer any payment due.
I have two medical collections that were included in a BK filed 11/04 and discharged 9/08. I disputed with the CRA as payment no longer due and HIPAA violation. TU deleted by not EQ or EX. EX is the only one reporting both collections. I've started the official HIPAA process found on this site. Prior to finding the wealth of info on the HIPAA process post I communicated with the CA in writing only asking them to remove as debt was discharged via BK and they no longer could report this medical collection account as it violated my phi. I actually received a letter from the President of the company who said he updated the account to show as included in BK and that he couldn't delete the account just becuase it was bankrupt (he specifically stated in his letter that they are not attempting to collect the debt".
