I need help with HIPPA process!

[fused]

After you finish opting out and updating your personal info on your credit reports (if necessary), you handwrite and send this letter PRE-HIPAA MEDICAL DISPUTE LETTER to the CRAs CM. The HIPPA letter is only sent to the OC in certain situations.                  

[Anonymous]

So I send the Pre-HIPAA Medical Dispute Letter, even if the collections accounts are paid?

[fused]

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BethJ wrote:
So I send the Pre-HIPAA Medical Dispute Letter, even if the collections accounts are paid?

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Yes! The HIPAA letter process always begins with this letter PRE-HIPAA MEDICAL DISPUTE LETTER

Please read (or reread) the HIPAA & Med Collections link in my sig line.

[Anonymous]

Thank you so much for your assistance. I think I understand the whole process now.  I just want to make sure I get it right. You're help is very much appreciated!

[fused]

You're Welcome! Please keep us updated.

[Anonymous]

If I understand correctly, the pre-HIPAA letters sent to the CRAs is to bring to their attention to the fact that there are paid medical bills, collected by CAs, that the CRAs do not have a right to report due to HIPAA laws. The reason they are not allowed to report them any longer is that the CAs no longer have open business with the COs (medical providers), therefore, by allowing these to continue to be reported, anyone that can pull my credit reports has access to PHI that they should not have access, too.

Am I correct?

I sent a pile of pre-HIPAA letters off today, more to send tomorrow. I'll let you know what happens.

Beth

[Anonymous]

I mailed opt-out letters to two addresses for one OC. Both addresses were listed for the private practice and I was not sure which was the correct address. Both were returned. On one was hand-written "wrong address", on the other had a USPS marking that delivery was attempted but the address was unknown - unable to forward. What should I do about these? I have no other address for this medical facility and am wondering if they even exist any longer. The debt I had with them is paid, but through a CA. I have sent the pre-HIPAA letter to the CA. 

[fused]

I'm confused!

Opt-out with creditors you are in good standing with only.

What medical facility

pre-HIPAA letters go to the CRAs, not CAs

[Anonymous]

In Step #1 of the HIPAA Process & Medical Collections  it says

"You must Opt Out of two things: Your Credit Reports and All Creditors."

and,

"Use this link to opt-out from all of your CURRENT creditors that you're in GOOD standing with." 

The debt to this creditor was paid in full and therefore I am in good standing with them.  Isn't that what Step 1 is referring to? Or maybe I misunderstood something in the instructions in the thread Medical Collections & The HIPAA Letter Process (w/HappyDays)??? 

Hopefully, if I made a mistake it will only be time wasted and not create more hassles. 

[Anonymous]

It's working!! I received a letter from Experian today regarding the medical debt. Out of 20 medical collections, 18 were removed from my CR on March 23rd and two are pending. Unfortunately the only way I know of my EXP fico is because we applied for refi on our mortgage and my FICO was 581. I have no way of knowing what it is now, after the collections were removed.  

So now I'm waiting for the response from EQ. Now that I know it's working I will send out the letters to TU.