Online Dispute and HIPPA process

[Anonymous]

My husband recently paid a medical collection to the OC (it is being reported as unpaid by the CA). He initiated on online dispute that the collection is paid in full (we had not yet found this thread). We are still waiting on the results, should the collection fall off because it is paid? After we get the results and if it does not get deleted should we send the handwritten dispute letter to the CRA or go on to the next step (letter to OC).

Thank you for your help!

*I have already completed the opt-out steps

[Schoolbuskid]

There is a chance that it could be deleted, but more and likely it will remian! You need to start the hipaa process, but maybe you should wait til you get your results back!

Here's the link...Hipaa Process

[fused]

Welcome to the forums, beachbum? On your reports, is this med collection marked as "in dispute"?

[Anonymous]

Thank you! The status is still unpaid collection.

[fused]

Its unpaid, ok, but look carefully at your reports to see if there is any notation on them that you have an ongoing dispute, or it was disputed and verified. I cannot help you unless you can answer this question.

[Anonymous]

Ok sorry, I misunderstood. There is no notation about an ongoing dispute or that it was disputed and verified. 

[fused]

When did you dispute this med collection online? The Date?

[Anonymous]

...so this is very embarrassing...husband just informed me that he never got around to actually disputing the collection, he just paid it 3 days ago. So now I'm assuming we just wait for the status to change to paid and then send off the HIPPA letter?

[fused]

You can begin the HIPAA letter process now, here are the first few steps.

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. If its not deleted, please post again in this forum before continuing on with the HIPAA progam. Good luck!

PRE-HIPAA MEDICAL DISPUTE LETTER

[Anonymous]

Thank you very much!