How do i write a letter to dispute something off my credit even though i tried on line?

Im not aware of the account and it keeps accumulating interest i guess and now its on my credit and i cant apply for nothing. How you heard of NCO/22 or NCO/15

Public Comments

1. How about sending the letter to the address that all bureaus have for disputes? Check their websites.
2. National Classification of Occupations...is one meaning
3. NCO is a Collection agency... there should be contact info for every creditor on the credit report. Send your letter to the creditor and the reporting agency saying "no knowledge, not mine" that should get the ball rolling. Online disputes are not really that effective. Creditboards is a great place to get information.
4. NCO is a collection agency and junk debt buyer, and has been in trouble numerous times for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. http://www.budhibbs.com/debtcollectorpages/nco_financial_systems.htm I have found that it usually does no good to dispute things online...the bottomfeeders will "verify" information to the credit reporting agencies whether they can validate it or not. I would still dispute it though, stating "Not my Account"...if they verify it without validating, you may have just won $1000.00. You should get as much information about the account as you can from your credit report and write them a letter demanding validation. Be very careful how you word this letter as not to accidently "re-affirm" a debt that may not even be yours. Sample Letter xx-xx, 2007 Bottomfeeder Collection Agency Their address Re: Your reference # (never say "my account number") I have become aware that you have placed an entry concerning an alleged xxxx account on my credit report. I have had no correspondence with you regarding this alleged debt. This is not a refusal to pay, but a request for VALIDATION per the Fair Debt Collection Practices Act. Therefore we are requesting you provide us with documentation to substantiate the validity of the account in question. In accordance with Section 809 of the FDCPA you are to provide the following information; 1. The name and address of the Original Creditor 2. The original account number and balance indicated; 3. The date the Original Credit account became delinquent and the date of last activity for this account; 4. Proof that the Statute of Limitations has not expired on this alleged debt ; 5. Copies of any documents showing that I agreed to pay what you say I owe, including my signature on any contracts, sales slips, etc. 6. If assigned by Original Creditor, document that this is assigned; if purchased, or collecting on behalf of a debt buyer, attach documentation of the amount paid for this alleged debt; 7. Your Agent for Service of Process. Since it is highly doubtful you can provide all of the above information within 30 days, I am requesting you immediately cease collection efforts and delete this account from your records. I also strongly advise against reporting delinquencies concerning same to any Credit Reporting Agency as doing so would be a violation of FCRA e 1681s-2 concerning 'disputed debt'. I am aware that this has been placed on my xxxx credit report and this needs to be deleted immediately from all credit reporting respositories and documentation of this provided. Should any other agencies have received notification of delinquency concerning this, be assured I will initiate litigation proceedings immediately. We have copied the three (3) major Credit Reporting Agencies with this letter and have sent copies with our formal complaint to Mr. William Haynes, Division of Finance Practices, FTC. We trust this writing shall provide closure to this issue as we do not deal with Collection Agencies or Debt Buyers. Any continued collection attempts by your organization will not be tolerated and will result in legal action. Additionally, any attempts to “re-age” this alleged debt will be met with every legal option available, up to, and including suit. “Placed on our floor” is NOT the Date of Last Activity, as you have illegally reflected on my credit report. Should any further communication be necessary, we request all to be in written format, through the US Mail, Certified, Return Receipt Requested pursuant to section 805(c). This precludes calls to my home, cellular numbers, place(s) of employment, or correspondence sent or calls made to third-parties, as this is not “locator information.” Your cooperation expected and appreciated. Your Name (NEVER SIGN...bottomfeeders are known to manufacture bogus documents) If you need help with this, go to Creditboards...they wil be happy to guide you through the process.
5. For the most part, Sherri C. is right. Remember my battle cry... You are about to go to war. Knowledge of the law is your only weapon. The enemy is heavily armed! Read the links below and arm yourself! NCO is indeed one of the scummier collection agencies and very large. It's common practice for them to "rubber stamp" investigation requests from the credit bureau. You first need to understand how the "game" is played. By law, when you dispute an item with the credit bureau, all they are required to do is "verify" the information. This is nothing more then asking the creditor if the listing is accurate. If the creditor says it is, then the negative information stays on your report. No real investigation ever takes place, and the bureau is off the hook. What you must do is send a letter to the collection agency demanding that they "validate" the debt. That means they must supply you with copies of contracts, bills, receipts, and everything they used to calculate what they claim you owe. If this is not your debt, then obviously they can not produce this. If they fail to supply this within 30 days, and fail to remove this from your credit report, you have a very good small claims lawsuit for $1000. The trick is following the procedure and doing everything by the book. See the links below for information on this, and use the sample validation letter I supplied. Good luck.