GET THOSE ANNOYING DELINQUENT DEBTS REMOVED ONCE AND FOR ALL! And increase your credit score by 40, 50, 60, or 70 points.
A lot of blog posts tell you that you can get your medical bills or any unauthorized collections removed from your credit report, but they don’t actually give you a sample letter that’s already pre-written for you. Once you get a copy of your credit reports all you have to do is get the number from the top of the credit report that you want to dispute for this validation letter.
In this post I’m going to be giving you the correct terminology and all of the different material information paragraphs that are going to be needed for you to get those bad charges removed from your credit report.
All you have to do is enter the selected information into the request for validation letter, the disputed credit report number, your name, address, phone number, and the date and then just use the sample letter as a guide and outline for you to actually edit and mail.
SAMPLE LETTER BELOW EDIT AND FILL IN
Your Name 0123-4567-89 Credit Report #
00/00/0000 D.O.B.
9999 Anytown Ave . Your Address
Anytown, AT 00000 Your City, State, Zip code
(000)000-00000 Your Phone Number
Today’s Date
Equifax Information Services, LLC, P.O. Box 740256, Atlanta, GA 30374
Experian, P.O. Box 4500, Allen, TX 75013
TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016]
Re: Request a Debt Validation and HIPAA Authorization
Dear Equifax, Experian,TransUnion,
I am writing to request the investigation and correction of a medical bill that appears on my credit report. The credit report number is: 0123-4567-89. (Put the Credit Report Number here.)
Please re-investigate this medical collection. In reference to the above listed account I am requesting that the Medical Debt Collection Company provide me with Debt Validation And The Health Insurance Portability And Accountability Act Authorization.
May pursuant to 15 USC 1692g et. seq. of the fair debt collection practices act, see reference above at this time. I’ll also inform you that a HIPPA covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy Security of Breach Notification Rules. I do not recall giving permission to release my medical information provided to me or to a third party. I am aware the HIPAA does allow for limited information about me, but anything more is to only be revealed with the patient’s authorization. Therefore, my request is two-fold validation of debt and HIPAA Authorization.
COMES NOW, Respectfully requesting your offices provide me with competent evidence of any legal obligation to pay. Please provide the following
I’m requesting information about the covered entity. Moreover, I’m requesting business associates to provide all debt validation for any account in question. Please provide validation in the form of an agreement and original bill, and a detailed statement of procedures if required, If any.
Please provide a breakdown of fees including any collection costs and medical charges, if any.
Please provide a copy of my signature with the provider of service(s) to release my medical information to a medical debt collection agency.
Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged last signer, if any.
Cease any credit bureau reporting until the debt has been validated by me.
Please provide me with a verified certificate of a licensed authority and proof that the medical collection company is licensed to collect medical debts in my state. Kindly provide me with the license number and registered agent or agent of service.
Finally, please provide an affidavit signed under the Penalty Of Perjury that your organization has not violated any portion of THE FCRA, FDCPA, HIPAA.
Please send the requested information to my address listed above and accept the notarized letter sent certified mail, as my formal Debt Validation Request, which I’m allowed under the FDCPA. Please note that withholding information you receive from any medical provider in an attempt to be HIPAA Compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection to this alleged debt. Please make no mistake, contact or attempts to contact me will be considered harassment, and I will have no choice but to follow with a filed lawsuit.
Additionally, any reporting of this debt or to any other credit bureaus will be considered a violation of the Fair Credit Reporting Act which can allow me to seek damages from a collection agent.
Finally, if your office(s) fail to provide or respond to this formal letter within thirty (30) days from the date of your receipt, all references to this account must be deleted and completely removed from your company records.
I will wait for your immediate reply with requested proof.
Best Regards
Enclosures: Credit Report (Submit a copy of your disputed report)
When your credit is restored and the delinquent debts are removed from your credit report. If you would like to share your journey with PACE TULSA contact us: information@pacetulsa.com. And we’ll be glad to share your testimony in one of our blog posts.
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