Desert Bloom

CA continued to report after paid in full to OC

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In November I paid a medical collection to the OC in full, plus interest and fees, and requested that they alert the CA that it was paid in full. OC deposited my check, on which I had written 'full & final satisfaction'.

I waited a month, and sent a letter to EQ requesting that it be deleted because it was paid in full to OC -- attached copy of letter to OC and canceled check -- and requested that EQ verify that the CA was reporting from the OC that the debt was still owed.

Today I get a letter fro EQ stating that the CA reports the debt as 'Unpaid' as of 1/2008.

What do I do now????

I assume I should send a letter to the OC with a copy of the newest credit report showing the inaccurate report and give them 5 days to remove and send me a letter stating that it has been paid in full?

Any other suggestions?

At what point can I sue in small claims under FDCPA?

and who all can I sue...the OC, the CA and the EQ???

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Send a good will letter to the provider, get on the knee pads and pull out the violins, and ask the provider to tell the CA to delete it as a matter of goodwill. Say you are sorry you couldn't get to it sooner but that this is the only bad mark on your CR adn you know it isn't the provider's intent to damage people's credit. Offer a contribution in the provider's name to the Red Cross or something to show your goodwill. Can't say it will definitely work, but by appealling to the provider's better nature, it just might.

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You are always suppose to deal with the oc first!!!!! Now contact the oc and demand and dont be nice!!! You tell them if they dont update your report your are going to sue the hell out of them! Also tell the collections company you are going to sue and you have proof so they had better update your reports immediatedly!!!!!!!!!

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On 1/8/08 I wrote a nice letter -- but clearly stated my rights under FCRA & FDCPA, as well as PHI and HIPAA -- to the OC doctor and told them that the Collection Agency was still reporting the debt as unpaid even though I had paid in full in November -- I stated that I assumed it was just a clerical error -- never got a response from the OC.

This negative TL was only reporting to Equifax.

However today I pulled my '3 n 1' credit at Truecredit and it is GONE from Equifax!!!! and my FAKO score for Equifax jumped from 705 to 743!

I am in the process of trying to handle another medical collection the same way and I will post any success. This other medical collection is only reporting on Transunion and Experian.

Score for persistence.....also recommend anyone dealing with medical collections read the following: http://whychat.5u.com/hipltr.html

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This is very interesting. It would be helpful for one of the experts to review that link and help us out with any disputs using state privacy laws and HIPPA... I was under the impression that as long as there was no tie to any specific illness or treatment that reporting on CR's is OK... :confused:

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See my previous posts on my effort to remove my 2 old medical collections.

The 1st one I paid the balance with interest in November and it dropped off my CR in January after paying and wrting 2 nice letters based on the 'Why Chat' letter.

In December I paid the 2nd medical collection (that was only reporting on TU & EX) the amount owed from 2002 -- without interest -- and sent a nice letter stating my HIPAA rights.

It took a month, but the OC medical office deposited the check and as of today there is no reporting of the debt or collection on any of my credit reports!

So I believe in the 'Why Chat' process, and recommend it to others as a possible means to remove these kinds of collections.

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