I received a bill from NCO Financial Systems Inc stating I owed $2811.17 plus interest in the amount of $4788.45, for a total of $7599.72 for a delinquent Chase Acct. However they are willing to settle for 50% of the total amount in three installments. First I don't have an acct with Chase and never have. Concerned that I had been the victim of identity theft, I obtained a copy of my credit report from all three reporting agencies and have no delinquent accounts. What now concerns me is that NCO Financial Systems obtained a copy of my credit report through Trans Union in August of this year. I don't know how they could have received a copy of my credit report without any authorization. If they were legit, clearly at that time they should have seen there were no delinquent accounts and yet they sent a collection letter four months later. My sister works for a leading collections attorney in the state of Arizona and she says they have violated the law. I plan to sit down with the attorney to find out what legal remedies are available to me. This company has a local address on the bill they sent me and when I ran their name on the online yellow pages, they do in fact have a local office here in Tucson. This company has so many arms in so many states its not funny. But we as consumers have to do something to shut them down.
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