CONFUSED WITH OPT OUT PROCESS 2 PAID MED COLLECTION HELP PLEASE

[Anonymous]

ok fused.  i received my ex report back today for 2 PAID MED collections.  Ii used the pre-hippa dispute letter to the cra cm no rr .  and this is what i got back today.

Company name

acct#

We completed investigation the items you disputed with the sources of the information. Here are the results.  then below that it states:

senex    remains

senex    remains. 

for further information please contact creditor.  they did not send any of the information i requested.  Which letter would you use next.  

EX is one tough credit bureau to get to do anything.  I used bright pink stationery and hand wrote the letter in bright blue ink.  I also hand wrote the envelope with pink or teal blue envelope.  I cant remember.  ive used both.

I do not have the results of TU or EQ.  Fingers are crossed though. thanks for all your assistance. you are great

[fused]

Wait for the results from the the other two CRAs before proceeding.

[Anonymous]

what would i do without you.  thanks

[fused]

You're Welcome!

[Anonymous]

FUSED THIS IS A LOT OF INFO TOTAL 7 collections.  5 of which just appeared within the last 3 months.

I HOPE YOU CAN UNDERSTAND IVE TRIED MY BEST TO WRITE THIS IN EASY TO READ FORM.   

1 unpaid collections NOT MINE from 11/2005.  OC a hospital.

2 PAID collections. Senex Corp. BOTH MINE  OC HOSPITAL and I paid the CA before i knew about the hippa process.

2 unpaid collections Both  NOT mine. OC HOSPITAL  (These are just on EQ from 05 and appeared within a week of me opting out with the CRA's  HMMM very suspicious.)

1 unpaid $103.00 MINE

1 unpaid $29.75 MINE

 So Here are the results of my pre-hippa letters to the CRA's

TU:  all verified no change (Not validated).  All been disputed before.

EQ: all verifed no change (Not validated)   All been disputed before.

EX:  all verified no change (Not validated)   All been disputed before.

 I thought for sure the 2 paid would come off,  HMMM!! Oh well.  But here is the interesting part.  ive read the hippa process letters 20x and i think the fog is clearing, so i jumped ahead and for the 2 unpaid collections 1 for 103.00 and the other 29.75 i sent the checks straight to the OC with the strict endorsements, along with the hippa letter. Both received both cashed.  2 days ago i  received a letter from the CA (103.00) that reads as follows:

Dear xxx

BLAH BLAH then.

I.C. System disagrees it has violated the various consumer laws you have referenced, Under HIPPA a health care provider has a right ot use a collection agency.  The collection agency is able to seek information that is minimally necessary in order to validate a debt under the FDCPA.

Due to continual dispute, we have decided to request the credit reporting agencies to remove any reference to this debt from your credit files.  We trust this will resolve this matter amiably.  (YES Id say it does.) 

For the 29.75 i spoke with the OC and was told i owe nothing and they were contacting the CA to remove.

No response yet from the CA.

i think i know which steps to take but still a feeling a little shaky so please let me know what YOU would do next.