• Report: #255944

Complaint Review: NCO-Medclr

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  • Submitted: Thu, June 21, 2007
  • Updated: Thu, June 21, 2007

  • Reported By:Mill Hall Pennsylvania
NCO-Medclr
333 Glenn St Suite 200 Glens Falls, New York U.S.A.

NCO-Medclr unknown bad credit report on my personnal Credit report Glens Falls New York

*Consumer Suggestion: letter for bogus collection agencies

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When buying a home, the bank found a bad credit report on my credit history. It was from NCO-Medclr for $545 and I do not know anything about this nor can I get any information on it. No one seems to know what it is for. I have not been to a doctor or hospital in about 4 years. I've been seperated from my wife since Dec. of 04 so I hope it is not something from her. The divorce was final in june of 2005. Please help me to get this false report off my credit rating.

Richard
Mill Hall, Pennsylvania
U.S.A.

This report was posted on Ripoff Report on 06/21/2007 10:31 AM and is a permanent record located here: http://www.ripoffreport.com/r/NCO-Medclr/Glens-Falls-New-York-12801/NCO-Medclr-unknown-bad-credit-report-on-my-personnal-Credit-report-Glens-Falls-New-York-255944. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Suggestion

letter for bogus collection agencies

AUTHOR: Naomi - (U.S.A.)

Your name
Address
City state zip
Phone or email

date

Collection agcy name
Add
City, state zip

Re: Account # XXXXXXXX

To Whom It May Concern:

According to my most recent credit report, your company is currently reporting to the Equifax, Experian and TransUnion Credit Bureaus that I am delinquent and as such have been placed with your firm for collection.

This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form.

Be advised that I am not requesting verification that you have my mailing address! I am requesting a Validation; that is, competent evidence that I have some contractual obligation to pay you.

You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

Your failure to satisfy this request within the requirements of the Fair Credit Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.

Please mail me a copy of validation, showing a contractual agreement to pay you or letter indicating your intention to delete this account from your records. Time is of the essence, so I would appreciate your response within thirty (30) days.

Sincerely,




Your name

CC: Equifax
Experian
TransUnion

CREDITOR DISCLOSURE STATEMENT
Name and Address of Collector (assignee):
__________________________________________________________________________
Name and Address of Debtor:
__________________________________________________________________________
Account Number(s):
__________________________________________________________________________
What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms.
__________________________________________________________________________
__________________________________________________________________________
Have any insurance claims been made by any creditor or assignee regarding this account?
Yes / no
__________________________________________________________________________
Has the purported balanced of this account been used in any tax deduction claim?
Yes / no
__________________________________________________________________________
Please list the particular products or services sold by the collector to the debtor and the dollar amount of each:
__________________________________________________________________________
__________________________________________________________________________
Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action.
X________________________________ _________________
Authorized signature for Collector Date
Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim cannot be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts.
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