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NCO v SOL v sold acct - think I have a violation?????


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My husband had an old First Bank CC account that has been deleted from his CR. However NCO were continuing to call and sent a settlement letter. The SOL expired oct 2003 or 2004 depending on which way you interpret FL law.

In Oct 04 NCO sent a settlement letter stating "Your account was sold to Inovision-Medclr Portfolio Group, LLC. NCO Financial Systems Inc is the servicer of this account."

I sent a SOL letter and included the C&D CMRRR in Dec 04 - no contact until this week we received a letter from NCO. It says "Thank you for your inquiry regarding the above reference account. Please be advised that the above referenced account is closed in our office. According to our files, we have not reported the above referenced account to a credit bureau. Please be advised that NCO Financial Systems, Inc cannot affect a change to how any other company or entity may have listed the account on your credit profile. We appreciate the opportunity to respond to your inquiry. "

At the bottom of the letter it has the following general message "This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector."

What do you think? This is my first C&D and SOL issue, Is this a violation - if so, what is my next step?

Appreciate you people so much. We have just brought our first home, after spending 3 yrs working on my husband's CR. The help I got from this forum speeded the process dramatically.

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