Score a win for pre-hippa with trans, still no progress with Experian

[fused]

It will be hard for you to use the HIPAA letter to the OC since the CA never validated the debt. Without the CA validating the debt, you have no proof that a business relationship still exists between the OC and the CA. You could try sending the HIPAA letter using insert B, but I wouldn't count on the OC having the CA delete the thread.

[Anonymous]

Dear Fused,

Been waiting for a reply from someone, anyone before I corresponded back to you. 

Although I had sent a scenerio 3 letter to CA, I did send a HIPAA letter to OC about 10 days ago.  I finally got a letter back from CA with a cover letter that stated the account has been paid in full and a number for me to call if I have additional issues.  It mentioned nothing about deletion from CRA's.  The letter also had copy of insurance info and release from OC plus a copy of itemized payment history from OC.

Should I call the CA and work something out directly.  At this point, the only other option would be to actually file a complaint.

Thank you,

Jack