I sent a verification letter to NCO over 60 days ago. They responded with a copy of a bill. I used the blanket verification letter asking for specific items. None of the itmes were sent. Is this a considered noncompliance of the verification? What can I do from here?
Is the bill enough to determine that the amount they are attempting to collect is correct, and that you are the party that owes it?
A copy of a bill is not a signed contract where you agreed to pay creditor or assigns. A copy of a bill is not a detailed accounting of all charges, payments & interest accrual charges that indicate the amount owed is correct. I assume you requested these items. If so, they have not properly verified. You may wish to familiarize yourself with Brennan v Spears. This is Case Law that tells you what verification is not.
