I ran a credit check through Experian and they reported a collection account through NCO Financial. The original creditor was "Northside Medical Center" and the balance was for $1414. The "account" was created in 7/2006 and sent to collections 9/2006 for non-payment.
I immediately disputed this information as I've never even heard of Northside Medical Center. Experian came back to me about 2 days later and stated that the information "Remains" meaning they verified the information as accurate.
Friday 10/20 I started making calls to NCO. FIRST of all, I got transferred around TWENTY times, disconnected twice, sent to voicemail twice before I finally got to speak with someone for more than 10 seconds.
The person on the phone stated that with the account number given, it was listed to someone else with the same last name, but different first name than me. Using my SSN, she couldn't find ANYTHING for me. She asked me to fax in Experians report.
I sent the fax, saved the successful transmission report, also sent an electronic contact to Collections and told them I expect to see an updated report IN WRITING to me and all the credit bureaus in approximately 5 business days or they will hear from me again...and it won't be pretty.
I saw via another report on this site, someone got a collections report on them for "Paypal". I registered and used Paypal for the first time in 7/2006 (for a $70 purchase of event tickets, which was paid for immediately via an electronic transfer). Notice that 7/2006 is when this bogus account was created. COINCIDENCE...??? I think not.
This is a money-grubbing company that tries to strongarm the common person into paying on fake accounts. RUN YOUR CREDIT REPORT!
St. Petersburg, Florida