NCO LIED about running my credit for 4 years, NOW discloses collection of DISCHARGED account
This is just totally UNBELIEVABLE.
I filed for bankruptcy in 1996. NOBODY EVER tried to collect the discharged Providian account.
In 2005, NCO ran my Trans Union credit report, HARD inquiry.
I could NOT find out what they were collecting and assumed it had to do with my complaint about Dana Capital’s illegal use of credit reports.
NCO DENIED obtaining my credit report during the YEARS of litigation.
Tomorrow is my deposition.
At 6:29 PM TODAY I received the NCO supplemental disclosures, now ADMITTING that they got my credit report in 2005 and providing the information for my 1995 charged off and then discharged Providian account.
I’ll be posting the discovery docs, could use some help with the NCO account info.
Client: NCOCU7-3
NCO/ASSIGNEE OF PROVIDIAN
Regarding: Chase Providian
Coll. Unit: PUD Purchase Unit Dump
Com Rate: 45%
I do remember that I somehow know that Chase got the discharged Providian account, but I can’t remember what happened. It could be that Chase reported the account as delinquent and it may have been part of a previous suit.
I just searched for Providian here, I settled the incorrect credit reporting with Providian in 2004. It was part of my FIRST lawsuit. I suppose then Chase bought Providian. But I’m blank on what the deal with Chase was. They may have sent me a letter to let me know that they now had the account. And, of course they knew that it was discharged.
So the question is why this account was assigned for collection. Did Chase SELL it to NCO and NOT tell it that the account was discharged?
Isn’t it interesting that NCO ran my credit for an account that was charged off TEN years earlier?
WTF are they doing?
I sure have a lot of questions. Looks like it’s time for ANOTHER lawsuit against Chase, “NCOCU7-3” and NCO.
So, now NCO had a permissible purpose for the inquiry and I have FDCPA claims.
These BASTARDS continually LIED to me for FOUR years!
The stress, wondering why they ran my credit when I had NO delinquent accounts whatsoever while I was getting ready to buy property and get a mortgage. They DENIED obtaining my TU report in response to my discovery requests until today.
They just don’t give a crap about the truth.
So now there’s an entire NEW set of issues to take to the FTC.
The FCRA must be changed to PROHIBIT the disclosure of collection inquiries to 3rd parties (hard inquiries.)
NCO must be shut down and the execs must be prohibited from engaging in collection activities.
NO collector can be allowed to operate while either DELIBERATELY lying to consumers or being so incredibly incompetent, they really didn’t know why they ran my credit.
I have no idea WHICH it is, but obviously you can’t allow NCO to collect consumer debts and obtain credit reports.
They also admitted that they never investigated my complaint about Dana Capital, a major mortgage banker, notorious for sending junk faxes and illegal telemarketing and worst of all, LYING to the borrowers about the loan terms, causing so many foreclosures. Owner Dana Smith and the company filed for bankruptcy so I dismissed them from this suit. Criminals by any standard.
I can’t wait to start the FTC complaint blog.
My sincerest apologies to my client with the DELIBERATELY incorrectly reported Devry student loan account I previously posted about here. It’ll be the first published FTC complaint, but due to the lying lawyers, I just had to deal with their BS all week.
See http://credit-bureau-nco-litigation.info/
Posted by Christine on 03/26/2009 at 07:25 PM
2007 Inquiry suit • NCO - illegally selling credit reports • (0) Comments • Permalink
