How To Remove Medical Collections

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates
that your personal medical information may not be shared unless there is permissible reason for
doing so.

HIPPA extends to credit reporting agencies and collection agencies as well.

The HIPPA law will assist YOU in dealing with delinquent medical collection accounts because
in order for the collection agency to verify your debt, they will need to have access to your
medical information. If they have access to this information, your rights under the HIPPA law
have been violated.

HIPPA MEDICAL DISPUTE LETTER

The HIPPA dispute letter template will frighten the collection agencies and credit bureaus and
remind them that if they fully validate your validation letter on your medical bills, they are
violating HIPPA regulations and are doing criminal activities.

HIPPA laws do not allow your doctor or healthcare provider to share your medical files without
your consent under a HIPPA release.

There has been an increase of doctors asking for a HIPPA release to be signed by you,
however this only allows them to share with other medical professionals, not 3rd party
collectors.

Make sure you cross out everyone other than the party intended to receive your medical
information (do not sign a full HIPPA release).

The medical dispute letter should be used after you send out the Collection Account
Validation Letter. The collection account validation letter templates are included with this
document.

The collection agencies occasionally send your medical records as validation. If they do, you
now have proof they have broken HIPPA laws (a major violation of the Privacy Act laws!).

There are 2 rounds of HIPPA Dispute Letters included in this document. Start with the first
round, wait (30) thirty days for a response and then go to the final round of HIPPA Dispute
Letters.
START THE PROCESS WITH A COLLECTION ACCOUNT VALIDATION LETTER
1. Send the Collection Account Validation Letters to every medical collection company.
a. This is your first initial contact to the medical collection agency.
b. You need delivery confirmation, save receipts or emails from USPS confirming
delivery.
c. Certified Mail is best.
d. Wait for a response from the collection agency. Your goal is not to get one.

When mailing the Collection Account Validation Letter, you may not have your full account
number on your credit report. Do not worry about this, simply list the partial numbers that are
listed on your credit report.

If the collection agency sends your medical records as validation. You can then include a copy
of what they sent to the credit bureaus a proof that they have violated HIPPA laws.
Keep detailed records in case you have to sue, but in most cases you will be fine.
COLLECTION ACCOUNT
VALIDATION LETTER
YOUR NAME
YOUR ADDRESS 1
CITY, STATE ZIP
SSN: xxx-xx-xxxx | DOB: 01/01/1970

Month Day , 20XX

COLLECTION AGENCY
ADDRESS
CITY, STATE ZIP

To Whom It May Concern:

This letter is being sent to you in response to notices sent to me from your company and more
importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact
on my personal credit report. Please be advised that this is not a refusal to pay, but a notice
sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 {b} that your
claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for
VALIDATION made pursuant to the above named Title and Section. I respectfully request that
your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

● What the money you say I owe is for.
● Explain and show me how you calculated what you say I owe.
● Provide me with copies of any papers that show I agreed to pay what you say I owe.
● Provide a verification or copy of any judgment if applicable.
● Identify the original creditor.
● Prove the Statute of Limitations has not expired on this account.
● Show me the you are licensed to collect in my state.
● Provide me with your license numbers and Registered Agent or Agent of Service.

At this time I will also inform you that if your offices have reported invalidated information to any
of the 3 major Credit Bureaus (Experian, Equifax or TransUnion) this action might constitute
fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any
of my credit reports by your company or the company that you represent, I will not hesitate to
bring legal action against you for the following:
● Violation of the Fair Credit Reporting Act
● Violation of the Fair Debt Collection Practices Act
● Defamation of Character
If your offices are able to provide proper documentation as requested in the following
Declaration, I will require at least 30 days to investigate this information and during such time all
collection activity must cease and desist.

Also, during this validation period, if any action is taken which could be considered detrimental
to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any
information with a credit reporting repository that could be inaccurate or invalidated or verifying
an account as accurate, when in fact there is no provided proof that it is accurate.

If your company fails to respond to this validation request within 30 days from the date of your
receipt, all references to this account must be deleted and completely removed from my credit
report and a copy of such deletion(to any/all of the 3 major credit reporting bureaus: Equifax,
Experian and TransUnion) request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your company to
my home or my place of employment. If your offices attempt telephone communication with me,
including but not limited to computer generated calls and calls or correspondence sent to or with
any third parties, it will be considered harassment and I will have no choice but to file suit. All
future communications with me MUST be done in writing and sent to the address noted in this
letter by USPS.

It would be advisable that you assure your records are in order before I am forced to take legal
action against your company and your client. This is an attempt to correct your records, any
information obtained shall be used for that purpose.

Best Regards,

Your Name
Your Street Address
Your City, State and Zip Code
HIPPA VIOLATION LETTER #1
YOUR NAME
YOUR ADDRESS 1
CITY, STATE ZIP
SSN: xxx-xx-xxxx | DOB: 01/01/1970

Month Day , 20XX

COLLECTION AGENCY
ADDRESS
CITY, STATE ZIP

RE: Intent to file lawsuit, HIPPA Privacy Violation

Validation Letter sent to: {Creditor/Collection Agency}

Account #

To Whom It May Concern:

Please be advised I have requested “validation”,not verification, of an item reported to you by

the above original creditor/collection agency. I have received a response that clearly violates my
rights according to HIPPA.

{Creditor/Collection Agency} did NOT provide me a HIPPA release that releases my medical
information to them, therefore by providing such information they are in VIOLATION of my
HIPPA rights. I am proceeding with legal action as prescribed by law against the above named
original creditor/collection agency should this item not be deleted within the required time
allowed by law. I will seek every legal remedy available to me and file suit against the credit
bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I
encourage a response from you expeditiously.

Sincerely

Your Name
Your Street Address
Your City, State and Zip Code

HIPPA VIOLATION LETTER #2

YOUR NAME
YOUR ADDRESS 1
CITY, STATE ZIP
SSN: xxx-xx-xxxx | DOB: 01/01/1970

Month Day , 20XX

COLLECTION AGENCY
ADDRESS
CITY, STATE ZIP

RE: Intent to file lawsuit, No validation of debt.

Validation Letter sent to: (Creditor/Collection Agency)

Account #

To Whom It May Concern:

Please be advised I have requested “validation”, not verification, of an item reported to you by
the above original creditor/collection agency. I have received a response that does not indicate
or prove:

1. I had this service.

2. What services I am being charged for.
3. What the cost of each service I am being charged for.

Furthermore, (Creditor/Collection Agency) did NOT provide me a HIPPA release that releases
my medical information to them, therefore by providing such information they are in VIOLATION
of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above
named original creditor/collection agency. Should this item not be deleted within the required
time allowed by law I will seek every legal remedy available to me and file suit against the credit
bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I
encourage a response from you expeditiously.

Sincerely

Your Name
Your Street Address
Your City, State and Zip Code