NCO - Inovision-Medclr Portfolio Group

NCO/medclr & credit bueaus problems discussed in new book

Have you read Give me Back My Credit!? It was recently released by Denise Richardson who not only had the same problems with NCO and medclr but she tells what happened to her at the hands of NCO and collection companys and the credit reporting industry. She stands up for us and tells the consequences of all we go through trying to keep our credit true and accurate. She says she wrote this to expose the problems in the credit and debt collection industry and exposes how ridiculously weak our consumer protection laws really are. She also has a blog and petition on her website.

 

1) Innovision is a distressed debt purchaser who apparently purchased your very old Discover card account. NCO is a collection agency who is collecting on behalf of Innovision.

2) They have probably re-aged this account at least in their internal records. You would need to contact Discover in order to ascertain the date of last activity; i.e., the first date at which the account was delinquent.

3) Send NCO a request for validation including a limited cease and desist (or a full desist if this account is time barred in your jurisdiction which it probably is). Moreover, send Innovision one as well insofar as they are considered to fall under the auspices of the FDCPA in most Circuits.

 

NCO is a bottom feeder company. They are hoping that you are going to hand over a check with no questions asked on an account that will be out of the SOL next year. My guess the account is already safe and they are just fishing for a sucker. And you are fine as long as you did not give them a SSN or other info or pay them.

 

It seems they are folding pretty easily lately..They were reporting a tradeline on all three reports, I sent them a DV and in two weeks they disappeared. Just have to watch for reinsertion.....send the letters and watch them fold...God Luck

 

They have adopted this practice since the ruling in their case against the FTC. Simple DV's with even only vieled threats procure deletion.

 

http://www.ftc.gov/opa/2004/05/ncogroup.htm
"The FTC charges that NCO reported accounts using later-than-actual delinquency dates. Reporting later-than-actual dates may cause negative information to remain in a consumer’s credit file beyond the seven-year reporting period permitted by the FCRA for most information. When this occurs, consumers’ credit scores may be lowered, possibly resulting in their rejection for credit or their having to pay a higher interest rate.

The proposed consent decree orders the defendants to pay civil penalties of $1.5 million and permanently bars them from reporting later-than-actual delinquency dates to credit bureaus in the future. Additionally, NCO is required to implement a program to monitor all complaints received to ensure that reporting errors are corrected quickly. The consent agreement also contains standard recordkeeping and other requirements to assist the FTC in monitoring the defendants’ compliance."


Note that they not only have to no longer violate, but they have to maintain both procedures, and auditable records, to be able to show that they are correctly handling all complaints. Just pretending they never got a dispute or complaint, and so have no obligation to respond, like a lot of CAs do, or not being able to find a dispute and show they had handled it correctly when a consumer could show they got it, would itself be a violation of their consent agreement.

Be sure to send all disputes CRRR, so you can prove they got it.

 

(Marlin Financial Services/Marlin Integrated Capital Holding Corporation/CR Software/Marlin Capital Europe) Inovision-Medclr Portfolio Group, et. al. is NCO by their other heads.

You don't want to see the entire list of d/b/a's that NCO and Marlin uses

Inovision-Medclr Portfolio Group buys the debt, then hires NCO to collect it, using all of the illegal tactics that they are so nicely known for.