Quote:
Originally Posted by Jackie  I don't quite understand, I have already disputed with equifax and they said debt is valid and that it will take 7 years to come off unless the collection agency decides to remove it before the 7 years so I have been trying to get them to remove it and they told me no because it will cause them to lose their "reporting rights with the credit bureau". What should I do next will the hippa process work in any way? |
No, the HIPAA process does not work if you paid the CA. The best thing you can do is just continue to bug the CA and keep disputing it. Make sure the way they are reporting is 100% accurate.
What jj is saying is true........but the CAs don't always want to cooperate with consumers.
CAs will tell you it's "illegal" for them to delete a TL from your CR but reporting is completely voluntary. They do not
have to report to the CRAs........but if they do report it, it must be accurate.