Greetings to all, I'm new to this board and think that you guys are great. Here is what dealing with: multiple daily mesaages from NCO, something like 2 or 3 a day. Now I know they calling regarding the AT&T debt. The message goes like this " please call ms XXXX and use your phone as reference" now it doesn't name NCO as caller (I know it's them). My question(s) : is it a violation for CA not to menttion the CA name and purpose of the call in the recording? Aslo what should I do, should I contact them and request a validation from them or just ignore the messages ? And finally, does AT&T report to to CRA ?
They won't leave their name on the answering machine because they don't know who exactly will listen to it: b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. You should send a WRITTEN request for validation to them. I don't know if AT & T does, I think I read they do, but nothing is stopping NCO from reporting until you send them a written dispute/validation demand.
