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NCO/FIN31 DO Collectors LEGALLY HAVE TO UPDATE Ur Reports?

Date: Wed, 05/07/2008 - 07:42

Submitted by amoriello
on Wed, 05/07/2008 - 07:42

Posts: 33 Credits: [Donate]

Total Replies: 7


I contacted nco today. I have been making bi-weekly payments on a very small account. i spoke to someone in the "credit" dept who was flat out rude. she told me no such action would be taken until the account is paid in full. lol I called them to make arrangements, they were sued by FTC in 2004 in the state i lived in Pa. I told her my other collection agents had reported accurate info by updating my payments to my reports. she then said a flat no. i said well okay I thought you'd might work with me like the other collectors because I initiated the payments and this account files into the time frame of the 1.5 mil lawsuit against you.


I am posting a reply to this myself. I just spoke to the original creditor. He told me since it has been so long 2005 since I made an attempt to pay on this debt his company cannot do anything to report the payments to the Credit Reporting agencies. he told me to send a written return receipt request to NCO asking them to update payments and if they reply that they will not do it, he said i can then report it to FTc etc... He also told me to dispute it with 3 credit reporting agencies with the same above letter and receipts showing the payments received to date. im going to do it. He was so nice...


lrhall41

Submitted by amoriello on Wed, 05/07/2008 - 08:38

( Posts: 33 | Credits: )


update..sent out request letter certified and return receipt to the address nco told me to send my request to... 2 day mail... lets see what happens...also disputed with all 3 agencies CR's...via same method with copies of my check payments...told NCO if they fail to update my info they are in violation of fcra law... cajun ..i downloaded a fcra file ya posted sometime ago...found exactly where they were violating...

FCRA ???? 623. Responsibilities of furnishers of information to consumer reporting agencies
[15 U.S.C. ???? 1681s-2]

I am catching on:)


lrhall41

Submitted by on Wed, 05/07/2008 - 14:57

( Posts: | Credits: )


Isnt this interesting. I spoke to NCO twice yesterday. Both people in their "credit" dept told me they would not update anything until it was paid in full. I called today and read the fcra law regarding their responsibility to update my info and keep it accurate and the lady told me to hang on ..waited for a second or two then she told me we will just wipe it off your report just continue to pay. I guess calling them 11 times in 2 days has got annoying :(


lrhall41

Submitted by amoriello on Thu, 05/08/2008 - 09:23

( Posts: 33 | Credits: )