Hello everyone,
First I want to thank everyone who posts information on this website as I have learned more that I ever thought I could.
Here are my questions.
I have 2 collection agecy issues:
Number 1. Had one that was for a company that was $170 from 2005 that did not belong to me that they were updating monthly. Sent them a letter that I found posted on this website and sent it certified. They sent me a letter back saying that the balance was zero dollars and they were removing it. How long does it take for them to report it and should I send copies to the credit bureaus that they listed them with?
Number 2. I had a collection medical bill that was an issue with payment from my insurance company. I paid it many years ago from 2003 for $110. The guy agreed to take it off, never happened. So I sent the OC a letter stating that they were violating my HIPPA rights, etc (another letter that I got off this forum, as well as a letter to the credit bureaus that were reporting them). Did I do this correctly and I also made sure to send this certified mail, as well as ccing the HIPPA violations department in my state, the state I had medical attention at, the medical board, and my states attorney general. I am hoping they take it off.
Let me know if I did the right thing. Hope to bring them over 700 soon. 
True credit report as of 8/11/08 is TU: 661, Exp: 676, Eq: 625
Scorewatch equifax FICO score is 646
You said you wrote letters found in this forum. Are you saying you sent letter #1, the pre-HIPAA dispute letter to the CRAs, and sent letter #2 to the OC using insert "B", paid. And, did you send them CMRRR.
sunshinegrlalways wrote:
Number 2. I had a collection medical bill that was an issue with payment from my insurance company. I paid it many years ago from 2003 for $110. The guy agreed to take it off, never happened. So I sent the OC a letter stating that they were violating my HIPPA rights, etc (another letter that I got off this forum, as well as a letter to the credit bureaus that were reporting them). Did I do this correctly and I also made sure to send this certified mail, as well as ccing the HIPPA violations department in my state, the state I had medical attention at, the medical board, and my states attorney general. I am hoping they take it off.Let me know if I did the right thing. Hope to bring them over 700 soon.
Yes fused I sent both all of the certified with return reciept to all of them. I sent the way you said it. I have been fighting with them for months, so I figured I would sent it out this way. I spoke to a credit attorney who advised me to this. Fingers crossed hope it works.
thank you both for your feedback