I need help so bad! Please

[Anonymous]

OK here my situation.

I have 4 medical collections on my credit report.

I have only been to the doctor twice.

2 collections are reported by Merchants and medical for $215 each ( they refuse to answer and letters even validation requests even though i have the green slips they wont tell me what the debt is for exactly even though i know senex is trying to collect for the same debts are but different amounts)

The other two are from the same debt and are being Reported by SenEx Services corp.one for $101 and one for $167 They sent me validation of the 2 debts.

Problem is is these are old from 2004 hospital changed names and is that the reason my credit has 4 different accounts on it.

The OC wont tell me crap either.

Senex is also trying to put an account on my report of my brothers that is not even mine.

I need help writing letters. This is bs and ruining my credit. Who should I pay., Should I pay?

Thanks a million

[Anonymous]

What validation letters???   Did you start the HIPAA process or send a regular DV?

[Anonymous]

I started the hipaa process letter one... on 2/17/2009 no response, I have tryed to dv this company before and no response either I have both green cards, The reason I am so mad is that I am getting charged double and i feel like there is nothing i can do about it they just keep verifying it to the CRA

[Anonymous]

OH WOW.

How bad is this I sent letter one to the CA! Not the CRA!

Can I start all over?

[fused]

Did you follow these steps?

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