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Collection agencies

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dwarfess

Joined: 05 Oct 2007
dwarfess's page
Posts: 13

1125 Magic Points

Subject: Collection agencies

Fri Oct 05, 2007 2:27 am

NCO put a "hard" inquiry on my credit report for a debt that 1) was not legally mine and, 2) was already paid.

NCO did a "hard" inquiry with TransUnion for a bill that had already been paid by my medical insurance carrier. NCO did the inquiry on the same day that they sent me a collection notice. I responded (within 5 days) that the debt was invalid and gave them the check number, check date and date the check was cashed. I also informed them that in the State of California that an insured individual's health care plan provider is legally responsible for paying both contracted and non-contracted emergency care providers for services rendered to their enrollees. (I had already confirmed with the emergency service provider that my account was paid in full).

When I called TransUnion, they denied that this inquiry was on my credit report. When I told them I had a copy of my CR, they said there was nothing they could do and I could file Fraud Alert.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407

34596 Magic Points

Fri Oct 05, 2007 5:27 am

Well there has been mistakes committed. You should have send debt validation letter in the first go. I am sure they would not have been able to validate the debt because they were paid in full.

You can of course go ahead and file a fraud alert.
_________________
Regards,
Laura.

CreditGrantor

Joined: 01 Sep 2007
CreditGrantor's page
Posts: 33

2570 Magic Points

Sat Oct 06, 2007 4:55 pm

In a sense, what is the fraud alert going to do for you? The inquiry would still be there, and the fraud alert will just make it look like someone has been using your identity. When really that's not the case.

There is a letter here that you might send to NCO to demand them to remove credit inquiries from your credit report.

TSACGIV
Guest

Sat Oct 13, 2007 5:20 pm

NCO DID THE SAME FRAUD MISTAKE IN THE CREDIT REPORT OF MY HUSBAND BLIND AND MENTALLY ILL.(2007-2012)
MANY COMPLAINTS ABOUT NCO CREDIT REPORT "MISTAKES ALL OVER THE NET.
NCO IS DOING THESE FRAUDS AND THE GOVERNMENT DID NOT STOP
NCO FRAUD.
FRAUD ALERT NCO FRAUD.

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1127

1045 Magic Points

Subject: loan

Sun Oct 14, 2007 11:47 pm

Can you send a PIF document, to the Credit Bureau? That might help.

dwarfess

Joined: 05 Oct 2007
dwarfess's page
Posts: 13

1125 Magic Points

Subject: Collection agencies

Fri Nov 02, 2007 7:24 pm

If a CA sends a dunning notice and makes a hard inquiry into your credit report during the 30 day validation period, wouldn’t this be illegal based on the following:

From the FCRA
§ 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b]

(a) In general. Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:

(3) To a person which it has reason to believe

(A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer . . .

If a CA can pull your credit report only in connection with the collection of an account, then by definition, a hard inquiry is collection activity, which is forbidden during the 30 day validation period. Therefore, if the debt was disputed within 30 days, the CA has violated your rights under both FCRA and FDCPA by making hard inquiries during the thirty-day validation period.

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1127

1045 Magic Points

Subject: credit

Sat Nov 03, 2007 8:46 am

I had a 'credit freeze' on my credit (lost some governement information, that had my SS# on it). I had a few inquiries during that time. Ihad forgotten about the 'freeze'. The people that I gave permission to see my Credit Report were not able to access it, because of the 'freeze'.

Guest

Sat Nov 03, 2007 8:46 am

As far as I know amendments were made to the FDCPA wherein collection of debts were allowed during the 30 days of validation period unless the consumer has an active written dispute concerning the debt.

Laura W
Guest

Sat Nov 03, 2007 8:48 am

Sorry I got disconnected. The previous one is my post

Regards
Laura

fun search test!
Guest

Subject: Hello

Sun Dec 16, 2007 11:16 pm

Spam Deleted- Richard

fun search test!
Guest

Subject: Hello

Thu Dec 20, 2007 8:36 am

Not Again- Richard


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