I have disputed this information from CA 3 times with Equifax and I get the same reply that the information is correct. (it was for our insurance, which was sent in error, the money was directly taken out from my checking account), so the CA did not collect a dime.
I sent a letter to NCO, certified mail, and this is the response - The only information we have is in my husbands name and my SS number, this is not reported on his credit, just mine.
Thank you for your inquire regarding the above-referenced account. Please be advised that the above-referenced accuont is closed in our office.
In addition, please be advised that we have contacted the credit bureaus, with which we do busines, with our request to delete our listing of the above-referenced account from your credit profile for the SS # we have listed in our records. Please be advised that NCO Financial Service, Inc. cannot effect a change to how any other company may have listed the above account on your credit file. We appreciate the opportunity to respond to your inquiry.
In this situation, who do I contact? Do I have to have another 30-day dispute go on to have this removed. Ok, they have had 90 days already to dispute this and get it right!!
P.S. All 3 times I have disputed this information, I had called the CA before doing this, I gave the information of the person that I spoke with in full.