I am sending this dispute certified mail # xxxx to make sure you receive it.
I have no knowledge or records of the following account(s) on my report # xxxxx.
# xxxxx from xxxxxx
Please advise me as to the name(s) and address(es) of the medical provider(s),
the date(s) and type(s) of service,and to whom the service(s) was (were) provided,
as any account(s)
I might have had may be obsolete.
If you can obtain this information, I also would need the name of the
person providing this data, and the manner in which it was provided in order
that I may pursue
additional legal remedies which may include a complaint against your agency to the OCR on HIPAA violations.
Please take notice that your Credit Reporting Agency falls within the purview of subtitle D of
the ARRA , SEC. 13407(1) BREACH OF SECURITY.—The term ‘‘breach of security’’
means, with respect to unsecured PHR identifiable health
information of an individual in a personal health record,
acquisition of such information without the authorization of
You are therefore now subject to the jurisdiction of the OCR for HIPAA violations,and the penalty rules of the HITECH Act as
Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others,
the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices.
( Section 1031 of the Dodd-Frank Act )
Make sure you HAND ADDRESS the envelope, use personalized stationery and purple or teal font,
( preferably italic as this
helps prevent the automated scanning/reading/response computer programs from "reading" your letter as they can not read handwriting or distinguish font in the same color family as a background pattern).
DO NOT send it RR SEND IT CERTIFIED MAIL ONLY( WITHOUT DELIVERY CONFIRMATION)-WAIT FOR THE FULL RESPONSE FROM THE CRA BEFORE CONTINUING WITH THE HIPAA LETTER PROCESS