PLEASE FOLLOW ALL STEPS IN THE ORDER PROVIDED, DO NOT SKIP OR OMIT ANY STEPS UNLESS INSTRUCTED TO. THESE STEPS REQUIRE THAT YOU HAVE OPTED OUT AND DELETED OLD ADDRESSES FIRST AND ARE USING CREDIT REPORTS WITH INDIVIDUAL ID #S
READ ALL THE INFORMATION INCLUDING THE LEGAL BASIS FOR THE PROGRAM BEFORE STARTING HIPAA LETTER PROGRAM
The first step is to send a dispute letter to each CRA. INITIAL HIPAA DISPUTE LETTER
List ALL medical accounts as they appear on the report you are disputing, paid or unpaid
The next steps depend on your results from the initial dispute letters
If all the disputed accounts are deleted from all credit reports, you need not do anything else except KEEP hard copies of your records for at least 3 years
If the accounts are verified AND you receive a response FROM THE REPORTING CA ( Collection Agency) with account details that MATCH your records, you can then pay the ORIGINAL CREDITOR HEALTH CARE PROVIDER directly using the HIPAA letter insert "a", be sure to follow ALL the directions
If the accounts are verified AND you receive NOTHING from the reporting CA, you send the reporting CA this:
MEDICAL DISPUTE VALIDATION LETTER
For accounts reporting with a balance due
Or this:
MEDICAL DISPUTE VALIDATION LETTER FOR PAID ACCOUNTS
For accounts reporting as PAID
As soon as you have proof of receipt of the above medical DVs, you send each CRA this:
FOLLOW UP DISPUTE LETTER TO CRAs
For additional assistance post in the CreditBoards Medical Debt Forum