NCO Is Sneaky

[row]

Last week was reviewing all 3 CR and notice new entry appeared on all from a MedClear, Inc @ 507 Prudential Rd, Horsham, PA 19044...i sent out a DV of course because i have no ideal who in the hell are these people...well today out of boredom i decided to see if this MedClear have a website...couldn't find them ...so i did an address search and guess who comes up under this address NCO!!! These sneaky baster...i already disputed this bill last year and they removed it ...now they reinsert under a different name....: dummies...

[unusualsuspect]

Seems like that is a violation... same CA re-inserts without notice.

[Guest cdmcnutt]

Careful with them because i have seen them report to 3 in 1 small companies, but not the big 3 themselves. They also, try to handicap your options by giving misleading info, and it blows up in your face before u can do anything about it. The Big 3 are most important.

[allmostthere]

Cavalry sent me a collection letter for AT&T. I imediately disputed because it was discharged in 2002 chapter 7 BK. They responded with a letter stating they would delete and they did. Now six months later I get a letter from NCO so I sent them the same letter. No response from them but they did report it to the CRA's. Anyone dealt with NCO?

[bigjohnstud4200]

Cavalry sent me a collection letter for AT&T. I imediately disputed because it was discharged in 2002 chapter 7 BK. They responded with a letter stating they would delete and they did. Now six months later I get a letter from NCO so I sent them the same letter. No response from them but they did report it to the CRA's. Anyone dealt with NCO?

NCO are rats, however, I've just DV'd them and had them delete. Didn't even dispute with the CRA's before I knew about the 1-2 punch.

[row]

I sent this email to their crooked A$$es today: Mike & Lisa

This email is being sent to your company in regards to collection appearing on all 3 of my credit reports. A letter was previously sent to your office on 4/30/2007 and to date I have not received any response. In accordance with the Fair Debt Collection Practices Act, Section 809( this debt is being disputed and this is my 2nd request for validation.

I have no known knowledge of this account, nor have I ever received anything from your company notifying me of this debt. I do believe that a collection company/agency, by law, must notify the consumer in writing or by phone about any account that has been place with them. To date no one has notify me about this debt and still this account has been place on all 3 of my credit reports….

There is several issues have with this account, IF proof is provided that I am responsible for this.

First issue - reporting this account as “open”. From my understanding of "Open" accounts it means that the account is active and credit is still being extended. What credit on a medical collection? Correct me if I am wrong, when an account is sent to collection or is purchase by a collection company, the account is closed/charged off with the original creditors therefore an account can not be magically open nor does it become a second or different account with different facts. Collection company’s are suppose to report accounts as they brought it.

Second issue - last activity was 7/2004 but date of delinquency 4/2007? (Equifax shows the date of 1st delinquency as 4/7/2007) Please explain to me how an account just becomes delinquent 3 yrs after the last activity on a medical collection at that? Medical collection would normally charged off as uncollectible between 30-90 days. As you are aware re-aging is a FCRA violation.

I have disputed this debt before; therefore, until its validated you know your information concerning this debt is inaccurate and reporting information that is inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2.

Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Please be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I will not hesitate to report any violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau if this account is not validate as requested or removed within the next 14 days.

[row]

NCO UPDATE!!!

5/24/2007 received email response from lisa asking for address to mail response

5/29/2007 letter from NCO stating account close in office...they request delete with CRA but being SS# not provided they are uncertain request will be process...attached to letter is a bill with patient name, address, dob, phone #, diagnosis, first symptom date, hospitalization date, doc ect...(NCO might as well have the whole medical file)

5/29/2007 - checked reports - NCO gone

6/12/2007 - checked reports - NCO reappears again and does not states account disputed by consumer

Questions:

NCO has medical information about patient is that legal? Patient is not me but a child of mine. Does HIPPA apply?

I have a letter stating they are going to delete...then they reinsert they same information and don't put that consumer dispute this account...what can i do about this?

What is the next steps to take regarding this account?

[Amerikaner83]

Sue the bastahds

[merkurfan]

while court is where you might end up, give them one last chance to correct the error. If you have documentation that they are going to delete, print it up, heck, get copies of EVERYTHING you have sent and recived so you can show a time line, and that you have tons of evidence to prove your case. Write them a letter, basically stating "you said you would delete in the attached letter, you did delete, but then reinserted at a later date. You did NOT notify me with in 5 days of the re-instert and that is yet another violation in a long list of them I have been collecting. Please correct this issue at once. you have 15 days to comply and sent written confimation that you have issued the delete order to the CRA's. Also I demand a statement in your reply that you agree to never re-sell, or repost this account"

Also add any hippa stuff if you find it applies. Basically, you will be sending them a ITS. If you burry them with proof they are wrong, they will likely delete.

[row]

thanks merkurfan...i am sending another letter as we speak...