Multiple Paid Collectins Question

I have 7 paid collection accounts with Mutual Hospital Services (CA). The split all dr visits (so 3x $20 visits, 65 visit they told me I was covered, 111dont know, 135 new doctor in same practice visit and 229dont know)etc into seperate accounts. They are all from 97/98 time frame...Would a simple validation letter work for all seven? I do not want to blow this one since it is so many(well over 50% of my derogs and on all 3 reports)...has anyone else dealt with Mutual Hospital Services?? I know I did not owe some of those but didnt know what to do at the time since they filed a lawsuit that included 6 of these accounts. I paid before it went to court in Oct 2000. They just bought the seventh one that i paid to someone elso (still confused on that one) I did not know I could validate. Also I am confused on when they will fall off...is it from the 97/98 date or the paid date of 10-2000??

Any suggestionsor ooinions???

 

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anyone...I have been asking for 2 weeks and would like to procede with this but I am still unsure which is the best method (I am leaning toward one letter, 7 account numbers, simple validation letter)..anyone's opinion on what they would do might help.

Thank you.

 

How is this letter???? Too much?? Any suggestions on improvement would get greatly, tremendously appreciated. I do not want to mess up with this sine it is over 50% of my derogs to the same CA.


Re: 7 accounts

To Whom It May Concern:

I am writing you regarding several notices on my credit report. It seems as though I have paid accounts with your offices and that your company has deemed it necessary to report this listing on my credit file.

This letter is to inform you that I paid this account under duress and prior to knowing my rights as provided by the Fair Debt Collection Practices Act. When I paid you, I relied upon the belief that you would do the honorable thing and remove your nasty and derogatory comments from my credit bureau files as you promised everything would be taken care of and fine if I paid in full what you alleged I owed plus fees. I am quite confident that both you and a court of law will agree that such is a perfectly reasonable assumption for an average debtor to make. And so upon that assumption I agreed to pay the debt and in fact did so on whereupon you actually worsened my credit bureau scores. You not only failed to remove these comments but actually changed my listing to paid settlement/Legally paid for half which is a far worse rating in the eyes of any potential future creditors. While you may think that I have no right of private action due to the way FCRA is worded, let me hasten to assure you that such beliefs are quite ungrounded and false. This point has been vividly pointed out by the ruling of the U.S. 9th Cir. Ct. of Appeals in the case of Nelson v Chase, March 3, 2002, in which the court pointed out that Section 1681s-2(b) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information.

Now that I am aware of my rights as provided by State and Federal Law, I am now disputing the fact that your agency ever had any legal right to collect on this alleged debt and that your agency has any legal right to report this account on my credit file. I have attached a request for complete validation (not verification) on this alleged account and you are instructed to fill it out, attach copies of all requested documentation and return it to me within 30 days from your receipt of this letter.

If you cannot provide complete validation as provided by law, then your offices are instructed to IMMEDIATELY request full deletion of this account from my master credit file and all 3 major credit bureauâ??s. You are also instructed to send me a copy of such request for deletion via US Mail.

If you fail to respond at all, I will turn this matter over to my legal counsel for suit, file complaints with the Better Business Bureau, the Federal Trade Commission and your . State Attorney Generalâ??s Office