On the electric, yes. It was opened 09/08 and reported 11/08. The CA was reporting (never got contacted by them) and the OC was paid yesterday via "e-check" on the phone. Still no charges on my checking acct today and I was planning on closing that checking acct anyway. I was thinking I could draw out my funds to "bounce" the e-check and get my carrot back (probably cost me $30 in NSF fees, but it's worth it if I can get the CRA acct. removed). OR... Should I just ask the OC nicely if they are planning on removing the CRA acct?
(The whole deal with the bill going to a CA was that the OC kept sending bills to the other properties address and my new tennants probably just tossed my notices. So I never got the "final" bill... At least that's my theory)
The first one IS a mistake. Short story long... I had an out of town emergency room proceedure. The OC filed the insurance wrong so it got delayed till they re-filed correctly, which they did. My insurance discounted it and paid in full the same month FFCC-Columbus reported the collections. I figure they just crossed in the mail and the OC or the CA got lazy about fixing it. On the HIPAA process, since I have the insurance statements on both filings, do I still need to send dispute letters to CRAs and HIPAA compliance officer or should I just contact the OC and see what they can do?
Thanks so very very much for your time and advice. It seems that "they" try to keep everything a secret. I don't know why, it seems kind of like gun control issues. If you out law guns (read credit reporting knowledge) only the outlaws will have them (bad debtors trying to "beat the system").
Anyway, Thanks!
-=Tom=-
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