Disputing a collection that should have been deleted by now

[iltph]

Last March, I sent a DV to I C Systems regarding a medical collection. I just saw on my EX report that it won't be removed until Aug 2009. They sent me a highly detailed print out of my Account History Report from the dentist. The date that the dentist last received a payment from me was on March 14, 2001. The insurance made a payment then the amount that it shows that I owe on my credit report appeared on April 16, 2001.

I would like to fax the dispute to EX and was wondering if I should include a copy of the first page of my account history from the dentist along with the letter that IC Systems sent? Is it correct to say that the account should have been deleted in March, 2008 (9 months ago)?

Message Edited by iltph on 12-22-2008 05:14 PM

[Anonymous]

I would read the re-aging thread.

What was the terms of the account? Were you to make monthly payments? Was the payment due on the date of service?

If DOFD is March 2001-- then it could remain until September 2008.

[iltph]

When I was there for my app, they asked if I'd like to pay the full amount that I owed now or later -- I was fully insured. I just said now and wrote them a check for $70. A month later I received a bill for $275, which I paid. Then another month goes by and I received another bill for $150. All of this was just for a couple of fillings.

I was already unhappy about getting the second bill, but when I got the third I was extremely mad (since she said I could just pay the full amount that I owed when I was there) and didn't really have the money so I just never paid it.

Message Edited by iltph on 12-22-2008 04:20 PM

[iltph]

Also, I'm not really sure what the best course of action is to take. Should I submit a complaint against IC Systems with the BBB, FTC, and AG, then file a dispute with the EX and include the complaint numbers? Is it okay to just fax the info to EX or should I send it CMRRR?

[Anonymous]

Follow the steps in the re-aging thread.

[iltph]

I ended up faxing a copy of my Account History that I C Systems sent me in response to my DV. EX sent me a letter stating that they have determined they were not able to use it in my dispute. They have contacted the source of the information that I questioned.

Has anyone ever done anything like this? If so, what was the result? I'm wondering if ICS will send them the same info they sent me, thus causing the account to be deleted.

[Anonymous]

a dentist bill qualifies as a medical collection - follow the HIPAA process to the letter. no point arguing with EX until you have cornered the CA.