NCO Sending Collection letter Again?

Question

I disputed and sent a debt validation letter to NCO (2) Two years ago. I recently (3/19/07) got a collection letter from them,
Stating or asking for settlement on a charged off account with citibank. Since (08) 2005 I have not seen this collection on any of my credit reports. I have ordered two of the reports.
Do you think after two years they can put this information back on my credit files?
Any advice is appreciated.

Answer 1

If you had sent the debt validation letter within the first 30 days after receiving their first letter (two years ago) and they have failed to validate/validate properly then they cannot continue to collect until they validate. That includes reporting on your credit reports, sending dun letters or suing.

IF you had sent the debt validation letter in a timely manner and they have failed to validate, they are violating by sending you that collection letter. It is an actionable offense for up to $1000.00 if you decide to persue it.
If they had sent something that they "claim" is validation and you failed to follow up telling them it wasn't proper validation, you would have a tougher time persuing any action against them.

A collection agency can re-insert a tradeline if the tradeline was removed because of a dispute filed with the CRA's.
A collection agency cannot re-insert a tradeline if they had removed it on their own and no dispute was filed with the CRA's.
BUT, if the account is re-inserted you must be notified of it first.
If the collection agency had not provided validation on your timely debt validation request - they cannot re-insert the tradeline.

Much of what you should do depends on if you had sent the debt validation letter in a timely manner, if they had properly validated or not, if you are still within the collecting SOL or not. (validation must come from the original creditor through the collection agency)

Without knowing more specifics, I'll just list some things that you could do:

You could send them a second debt validation and point out that they had failed to validate/failed to validate properly.
You could file complaints with the BBB, FTC, yours and their AG's.
If you are out of SOL you could send a SOL letter telling them the debt is no longer legally collectible and to take a hike.
You could send them an intent to sue letter and demand payment for their violation or you will sue (do not use this lightly, only use it if you will follow-up with a suit !! )

You might click on my profile and click on some of the links listed - to the FCRA, FDCPA, etc., etc. There is also a link where you can find the collecting SOL for your state - credit cards are open accounts.

Answer 2

Once removed they can not , you can write a letter to nco asking them to stop sending you letters or you will contact the attorney generals office and file a complaint , they will stop immediately

Answer 3

why don't you contact NCO and ask them what's up?