Hmmm......I remember someone saying that if something is DELETED that the CA/creditor/whoever has to CERTIFY (not sure how diff. it is compared to verify), so maybe NCO couldn't do this so they went and used an alias?
NCO did the same thing to me-listed as Asset Care-they couldn't verify as NCO-next thing I know-Asset Care. But when you call the # listed-guess who? To make a long story short-it isn't there anymore.
Wow, that sounds really illegal to me. From the FDCPA about misrepresentation: § 1692e(14): The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization. From the FCRA: § 1681s-2 (3): Duty to provide notice of dispute - If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I'm not sure if the reinsertion section applies here, though, since the CRA may not be aware it's the same company. Since the CRA didn't know it was the same company, they likewise would not know to require "ceritification". I get the feeling that the reinsertion guidelines are legal liabilties of the CRA, not the furnisher of said information. -- cnswift
