I contacted NCO Financial about the "hard inquiry" yesterday (4/24) via fax machine and CMRR. How long should I give them to respond? If they don't respond what is my next course of action?
Similar to any dispute, 30 days is a reasonable time. If they do not repsond, I would follow up with an Intent To Sue letter.
Before sending an ITS letter I would consider it wise to find out if NCO had Permissible Purpose to pull your report....sending ITS letters randomly and without justification is not usually the best way to get things done, in my experience.
Well, the purpose of the fax was to have them say; XYZ Account gave us a permissible purpose. If they pull and don't dun, how is a consumer supposed to discern PP.
Send Michael Barrist a communication wherein you state that you will institute a civil action against NCO for what you deem to be a non-permissible inquiry. They will delete it in a week. Generally, this is not the wisest decision but, with NCO it is.
I am starting to get that bad myself... I'm so used to searching out the names of everyone all the way up the food chain for my letters, its easy to forget that not everyone knows that XYZ is the ____ of DSDS Collections...
Actually, this subject would make for a good pin-up, sticky, or whatever you call it. We could post the contact information/names for the CEO's, in-house counsel, certain officers; etc., for some of the prominent debt collectors, purchasers, and furnishers of information so that visitors could view them without spending days on net. Just a thought . . .
