HIPAA Compliance

[Anonymous]

I sent the alternative MED DV LETTER TO THE CA , they replied with a letter containing a HIPPA  authorization letter.

They also verified a PAID account as unpaid during the last letter cycle.

also they verified 2 accounts as paid , just to add a bit of information. 

what should i do now?

[fused]

Did you follow these three steps in the correct order?

Step #1: Opt Out of two things: Your Credit Reports and All Creditors. The first one ensures that the CRAs will not sell your personal data to anyone else (haha…no more data mining). The second one will prevent JDBs (and CAs) from buying and selling bogus collections.

Use this link to opt-out of your credit reports

OPT-OUT CREDIT REPORTS (or call 1.888.567.8688)

Use this link to opt-out from all of your CURRENT creditors that you're in GOOD standing with. Do not attempt to opt-out with any CAs or current creditors that you're in BAD standing with (i.e. charge-offs, or currently late).

OPT-OUT ALL CREDITORS

Step #2: Also, be sure to update your personal information with the CRA's before attempting to reestablish your credit.

Step #3: Send the pre-HIPAA dispute letter to the CRA ('s) CM (no RR, this is the only letter in the HIPAA process where you will not send it CMRRR) and wait up to 35 days for the results of the their investigation(s). Be sure to handwrite this letter (and the envelop too) using personalized stationary and teal blue ink. If your med collection is deleted, you're finished.

PRE-HIPAA MEDICAL DISPUTE LETTER

[Anonymous]

this has all been done

[fused]

Let me guess, the CA wants you to sign something? So, you have a total of three med collections, all paid? Are they marked as paid on your reports? Are they also marked as "disputed and verified" on your reports?

[Anonymous]

2 of the 3 are marked as paid and verified , 1 is paid but marked as unpaid and verified

[fused]

After the you sent the CA the Med DV letter, did you send the follow-up dispute letter (below) along with a copy of the green card for the Med DV letter to the CRAs CMRRR?

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

[Anonymous]

just put those in the mail today.

[fused]

Good! You'll have to wait up to 35 days. If the CRAs verify again, even with you providing them with new information to re-investigate, we might be looking at filing complaints against the CRAs for not properly investigating your disputes with the FTC.

[Anonymous]

in your past experience does that work?

[fused]

Given the information you've provided in your first post, its clear there is an active business relation between the OC and the CA. If the CA validates, you should be able to pay the OC, have the collection deleted, or mark as paid and deleted with a follow-up dispute. If the CA never sent you anything, then its likely you would hit a snag.