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Collection on CR?


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What should I be looking for as far a violations. This is what citi is reporting we disputed back in DEC 04.

NCO has recived DV do we dipute again. Last payment to NCO was 06/16/05


Account Number:xxxxxxxxxx


Account Owner: Individual Account.

High Credit: $0

Type of Account : Revolving

Credit Limit: $6,000

Term Duration:

Terms Frequency: Monthly (due every month)

Date Opened: 01/09/2

Balance: $6,722

Date Reported: 08/2005

Amount Past Due: $346

Date of Last Payment: 12/2004

Actual Payment Amount: $0

Scheduled Payment Amount: $164

Date of Last Activity: 06/2004

Date Major Delinquency First Reported:

Months Reviewed: 46

Creditor Classification:

Activity Description: Closed

Charge Off Amount: $0

Deferred Payment Start Date:

Balloon Payment Amount: $0

Balloon Payment Date:

Date Closed:

Type of Loan: Credit Card

Comments: Consumer disputes this account information

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Dispute status cannot be perpetual. Once you dispute with either the CRA or the furnisher they are required to investigate and resolve disputed issues of fact within 30 days... or delete. That stunt about putting your dispute int he comment section and leaving it there forever is not the way the FTC says they must do things.

Second, if your last payment to the collector was on 6/05, they are failing to report the payment on the account. Essentially this makes the account look like you have made no payments since 12/04. That's false reporting if you can show that Citi actually got the payments passed on by NCO. Somehow I think NCO pocketed all of it and never turned any over to Citi.

You need to write to Citi and ask them if they have received any forwarded payments from NCO. (NO PHONE CALLS) If they respond that they have gotten payments, whack them for false reporting. If they have not gotten the payments, whack NCO for commercial fraud and extortion.

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This letter to Citi Should it just read:

My Name


Account #

To: Billing Department,

I am enquiring when last payment was made on this account. You have 30 days to repond to my resquest .

My Name

Send this by CMRR

I am wondering if keeping this short and sweet like this will provided a much shoter rope to hang them selves on. This way they don"t call NCO and ask for payment? Then we could go right after NCO. Or they admit by letter that they have recieved payment. And then we would have proof they are not reporting to the CRA acuratley.

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