I disputed a collection account with NCO. It was for an old emergency room visit. I was traveling. I called my Primary Doctor upon arriving home. I went to his office while he filled out a "Referral" He faxed a copy to the insurance company and he gave me a copy. I receive a copy from my insurance company showing they paid the check number ect, the usual stuff. I get a call from NCO telling me I owe this bill. I faxed them a copy of the explanation of benefits showing their client was "PAID". I never gave it another thought until I ordered my credit reports. I wanted to start to repair/rebuild what ever one wants to call it. There it was listed big as day, Collection account from NCO for the emergency room visit. I disputed the account, TU and Experian deleted the account. Equifax claims it was "verified" I called NCO, they told me "We don't have an account for you". HMMMM Its strange less than 2 weeks ago I receive an amended report from Equifax stating the account was verified, NCO says we don't have the account anywhere in our system. If we ever had the account it would be in our system. It's not showing and Equifax claimed to have verified the debt. I sent them a letter asking for means of verification, so we will see what happens.