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How can Hippa work if OC doesnt accept payment

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CreditGuy03
Established Contributor

How can Hippa work if OC doesnt accept payment

Sent a pre-hipaa and the OC sent validation and also stated to make payment arrangments with the CA and not them.

 

If I send the CA the payment can I still use Hipaa?

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019
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fused
Moderator Emeritus

Re: How can Hippa work if OC doesnt accept payment


CreditGuy03 wrote:

Sent a pre-hipaa and the OC sent validation and also stated to make payment arrangments with the CA and not them.

 

If I send the CA the payment can I still use Hipaa? Yes, you can, but its usually harder to get a deletion.


 

Message 2 of 4
CreditGuy03
Established Contributor

Re: How can Hippa work if OC doesnt accept payment

So what steps/letters are there if I pay the CA?

 

 This scenario isnt outlined in the Hippaa process sticky on this board

Equifax - 628, Experian -627, Transunion- 654 In the garden until 01/01/2019
Message 3 of 4
fused
Moderator Emeritus

Re: How can Hippa work if OC doesnt accept payment

Well for one, many people have already paid the CA and now need a way to try and get it removed before they ever knew about this site or HIPAA. By paying the OC, its one way of proving a business relationship exists between the OC and the CA. Just because you pay the CA, that doesn't prove anything. You have to remember that much of the HIPAA letter process is about building a case and proving that one or more of the following is true in case you are unsuccessful using the HIPAA letters and you need to file a HIPAA complaint:

 

- the unpaid collection that is reporting is invalid (bogus)

- the paid collection is still reporting and the CA sent me validation

- the paid collection is still reporting but the OC responds to my HIPAA letter and says they and the CA think they're allowed to continue reporting it, even though its paid.

 

 

Message 4 of 4
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