"In dispute" loop

Discussion in 'Credit Talk' started by Jenasea9, Oct 10, 2002.

  1. Jenasea9

    Jenasea9 Well-Known Member

    How does one handle an account that has been marked "In dispute" by the CA for over 4 years??? The CRA's wont let me dispute them because it is marked that way and the CA's ignore my request for validation, since I supposedly disputed the account when they sent it to me (way way before I knew anything about credit).

    Now it seems that 3 more CA's are following in the same path by marking it in dispute and ignoring me...any suggestions???

    BTW these are Paid Medical Collections from >2 yrs (50, 55, and 111) plus a 4+ paid apartment for $160 that I didnt owe but paid to get my house.
     
  2. Jenasea9

    Jenasea9 Well-Known Member

    <bump>
     
  3. quasar27

    quasar27 Well-Known Member

    Who is the CA?
     
  4. mitchra

    mitchra Well-Known Member

    Send letter demanding immediate deletion to CRA's. Site that you have requested validation XX days ago and the creditor has failed to provide proper validation within reasonable time. You therefore demand immediate deletion, as there is no proof of the existance of the debt, and the creditor is abusing the system by marking your account in dispute and refusing to validate.

    Include the val letters sent to creditors, and the green cards.

    If they refuse to delete after this approach, it's time to threaten litigation due to reporting innaccurate and unverifiable information in thier files with knowledge.
     
  5. Jenasea9

    Jenasea9 Well-Known Member

    there are actually 3 CA's Two 'local' medical collection firms (have my small claims form ready to file soon so I dont want to disclose to the public yet) and everybody's favorite IC Systems (@#$%&*).

    Second question: If one of the medical collections responded via phone and asked for me to call them, would you??? I know everything in writing but the "what if" is eating me (what if they were calling to settle).
     
  6. Jenasea9

    Jenasea9 Well-Known Member

    Thank you so much Mitchra!!!

    I will start on my letters to the CRA's this evening. I tried the "verbal" on the phone this morning and all I got was "Well it is already in dispute, you cant dispute it." I told her it wasnt in dispute by me and to place it for me anyway. I will see tomorrow if that was actually done. If not "always" in writing.
     
  7. mitchra

    mitchra Well-Known Member

    For the medical collection account, You can try intimidating reporter of information by citing federal privacy laws (HIPPA) concerning the sharing of electronic medical information without consent. You should threaten litigation if the personal medical information is not immediately removed from your credit file. See if they bite.
     
  8. Jenasea9

    Jenasea9 Well-Known Member

    They wont. I researched this topic and in my state of Indiana, they can share my information for purposes of collection. :(
     
  9. mitchra

    mitchra Well-Known Member

    Understood, but if it is paid, which I believe you indicated it was, you could get lucky, and they might delete just to make you go away.

    HIPPA is relatively new, and alot of people do not have a good understanding of it. It superceeds all state laws. And frankly, medical folks get scared everytime they hear HIPPA. If you have not specifically tried threatening the provider using the term "Violations of Federal Medical Privacy of electronic information sharing under the HIPPA act" it is worth a try. You might get lucky. However it is a bluff, and they may call your bluff, but you are relying on their ignorance.

    Good luck
     
  10. Pandora

    Pandora Well-Known Member

    Hi Guys,
    Just a quick note on this -- it's 'HIPAA' and most of it doesn't even go into effect until 2003. If you want to go this route, you'll have a lot of research ahead of you...
     
  11. lyttlemac

    lyttlemac Well-Known Member

    Mitchra,
    Would you happen to know, or could someone make a case, for HIPPA protection extending to medical collections on behalf of a veterinary hospital?
    Thanks.
     
  12. lyttlemac

    lyttlemac Well-Known Member

    Oops, I mean HIPAA?
     
  13. mitchra

    mitchra Well-Known Member

    No, I do not believe there would ever be any application of HIPAA to veterinary services. It does not address the rights of "animals privacy". Infact, it mainly addresses the electronic sharing of patient records.

    Sorry, I think we will have to wait on PETA to propose "pets privacy legislation" another year.

    lol
     
  14. RoundLake

    RoundLake Well-Known Member

    I started getting results when I copied in the medical OC's on the CA letters that documented FCRA and FDCPA infractions. Told them that the OC's could possibly be held responsible for the actions of their agent. CC'd the CA's on the letters to the OC's.

    -Cliff
     
  15. javan

    javan Well-Known Member

    Which CRA is it? All 3??

    You need to go beyond the regular CSR's.
     
  16. Butch

    Butch Well-Known Member

    Unless of course Lyttlemac IS the patient.

    LOL
     
  17. lyttlemac

    lyttlemac Well-Known Member

    Ha Ha Butch. Very funny.

    Seriously (?) though, a patient is a patient. And vets are "Doctor" Doolittle, or whatever. Plus they charge more than a people doctor. And pets have medical records, and get check-ups, and get booster shots -- sure it's for rabies instead of for the flu, but all the same, I don't see why an animal shouldn't be entitled to privacy concerning personal matters.

    Woof.
     

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