HIPAA Process

[novak6767]

What Should I Do Next?

I have completed the following steps of the Medical Collections & HIPAA letter process, but still have 6 accounts remaining on my Experian report from 1 CA. (The OC is a hospital)

Here is the process I followed:

Detailed HIPAA process

1/15/2009 - Completed step #1 & 2

1/21/2009 – step #3; sent pre-HIPAA letter CM

2/4/2009 - Experian sent letter stating they verified the account

2/18/2009 – Scenario #3 & sent Alternative Med DV letter to CA (CMRRR)

2/26/2009 – Sent Follow-up Dispute letter to Experian (CMRRR)

3/16/2009 – received CM from Nationwide; Validation of Debt. Letter included copies of itemized invoices & description of medical treatment & codes

3/23/2009 – received letter from Experian stating “We have already investigated this info and the credit grantor has verified its accuracy”

3/24/2009 – Sent HIPAA Letter to OC

4/5/2009 - Sent Re-Investigate Dispute letter to Experian

4/7/2009 – Received letter from OC stating “the listing with the credit bureau indicates accurate information that the account has been paid in full and that the debt involves a medical bill, but no mention is made of the specific nature of the services.

4/30/2009 – Experian sent letter stating they verified the account

5/3/2009 - Sent Re-Investigate Dispute letter to CRA

5/27/2009 – Experian sent letter stating they verified the account

These six paid accounts remain on my Experian report.
(They are from a series of lab tests)

Nationwide Credit & Collections (reporting)
OC – Loyola Hospital Status – Paid (Nationwide) 9/26/2008
Date of Service 9/2006 Amount $53 Balance $0

Nationwide Credit & Collections (reporting)
OC – Loyola Hospital Status – Paid (Nationwide) 9/30/2008
Date of Service 11/2006 Amount $42 Balance $0

Nationwide Credit & Collections (reporting)
OC – Loyola Hospital Status – Paid (Nationwide) 9/30/2008
Date of Service 12/2006 Amount $42 Balance $0

Nationwide Credit & Collections (reporting)
OC – Loyola Hospital Status – Paid (Nationwide) 9/30/2008
Date of Service 12/2006 Amount $42 Balance $0

Nationwide Credit & Collections (reporting)
OC – Loyola Hospital Status – Paid (Nationwide) 9/30/2008
Date of Service 1/2007 Amount $42 Balance $0

Nationwide Credit & Collections (reporting)
OC – Loyola Hospital Status – Paid (Nationwide) 9/30/2008
Date of Service 2/2007 Amount $42 Balance $0

[Trish]

Hi novak. Welcome.

I know I haven't answered your question yet.......just want you to know I'm not ignoring you. I just want to look over your steps carefully so that I can give you a good answer and every time I stop to read this......I get pulled away for something.

So..... I will be back.

[Trish]

On these accts, who was paid?

[novak6767]

Unfortunately, I paid the CA, Nationwide. I did this before I started reading this forum.

[Trish]

Originally Posted by novak6767

Unfortunately, I paid the CA, Nationwide. I did this before I started reading this forum.

The HIPAA process will not work if you've paid the CA.

The only thing I can suggest would be to keep disputing and make sure they are reporting correctly. One other thing you might want to try is just calling up the CA and talking to them.........asking them to remove it. It's such a shame because these are such small dollar amounts and yet they impacting your score. If you call them and bug them enough maybe you can get them to remove them.

Sorry I couldn't help you more.

[jjgross]

Originally Posted by Trish

The HIPAA process will not work if you've paid the CA.

The only thing I can suggest would be to keep disputing and make sure they are reporting correctly. One other thing you might want to try is just calling up the CA and talking to them.........asking them to remove it. It's such a shame because these are such small dollar amounts and yet they impacting your score. If you call them and bug them enough maybe you can get them to remove them.

Sorry I couldn't help you more.

Try calling them and see if they'll along that you dispute to the cra,and they don't respond to it.the neg will be removed.