I must have done something wrong w/Pre Hipaa

[holhat]

Hello,

Early Feb I followed the  directions (or so I thought) and sent out the pre hipaa letter to the CRA about a couple 2005 medical bills.  Never heard anything back until today.  I just recieved a new credit report and the medical part I disputed now says verified 2009.  Thats it.  Nothing else. 

????? I don't understand how anything can be "verified" without ever even providing proof!!  

Frustrated......

What do I do now?? 

[Anonymous]

The CRAs do not require any proof!!  If the medical was paid then send the OC letter.

[holhat]

if thats the case then anything goes....how do I know I actually owe it or that it is mine?  hhhhmmmmm.....

not willing to just pay it becuase they say so. 

[fused]

Since the collection is unpaid, the CRA verified and the CA did not validate, do the following:

send this letter to the CA CMRRR.

MEDICAL DV LETTER TO THE CA

After you receive the green card from the Med DV letter, mail this follow-up dispute letter to the CRA CMRRR.

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

[holhat]

Thank You Thank You Thank You....

[fused]

One more thing, can you PIF this med collection if you have to?

[holhat]

Yes I can but I want proof it's mine first.  I believe I had dual insurance during that time period IF I went to the doc at all. 

I simply can't accept that the CRA can just say "eh, it's yours" and thats it, done deal.  Heck, i want that job.

[fused]

I agree with you. I wouldn't pay a debt unless the CA reporting it proves its mine AND they agree to a PFD.

[holhat]

Hi Fused, one more thing to add.......I just realized that on the results I recieved back from EQ, the fine print says that "additional information has been provided from the original source regarding this item" and to contact the CA if I still disagree......it is a hospital bill, 2 accounts in 2003 and one in 2005. 

Do I DV the CA or just suck it up and pay it regardless just to get rid of it??  Would be make $ tight but not sure it's worth the hassle and low score.  

[holhat]

why didnt the CRA provide me with that "additional" information?  I don't get it.  I'm doing this wrong I bet.

I better go re read the Hipaa process.  I sent the pre hipaa but not a dv to the ca.  Was I supposed to do both?

Only sent the pre hipaa to one CRA in case I screwed it up.  Judging by all the inaccuracies and misreporting obviously the three of them do not communicate.