Northland Group (NGI) Ripoff Refusal to correct credit reports. NGI has no record of an account with ME Edina Minnesota

they tried the same thing to me. All of a sudden I get a call from them at my place of employment,( I work for a 911 call center we do not get personal calls for obivous reasons.) this lady asked for me and I replied this is she, then asked if my DOB of is 00/00/00, I become very suspicous and asked who is this? She Goes robin from the Northland group I have a personal issue to speak with you about. I go well then you have called the wrong place this is my place of employment and you are tying up phone lines, She goes what is a phone number I can call you at. Before I gave her my cell phone I advised her that She was Never to call me at this number as it is a work phone and hoped she understood this as it was also a recorded Work line. She advised she did, I never recieved a call from her on my cell phone. Two days later I got a letter from them stating I have an outstanding debt from them the orginal creditor was Provided bank. I did have a credit card 15 Years ago with Providen, and it was canceled and there was a dispute over fees charged after the fact. I won the judgement and all charges were taken off of my credit report as Providene was proven to be at fault. Now just so its known my credit report has been clear of this company for 6 years and is in good standing. Northland Group is trying to collect a debt on a 6 Year old debt that was proven to be no good to start with!!!! There name has appeared on my credit reports as inquring. So far there is no actuall report but i am waiting and plan to sue them if they even try to report this debt as outstanding. I sent a certified letter to the company about the problem and advised to have NO CONTACT with me until they prove that the debt is mine, Not past the SOL and is VALID.

There is a new case of law from 2007, read below and go for them, it is worth a try, I did with NCO financial and we have the court day in april, we'll see hhat happens.

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Pintos v. Pacific Creditors Association, Case no 04-17485 (September 21, 2007, Ninth Circuit)

Below is an excerpt from the Opinion by Richard R. Clifton, Circuit Judge:

Maria E. Pintos appeals the district court's summary adjudication of her claims under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq. Pintos contends that Pacific Creditors Association violated the FCRA by obtaining, without any FCRA-sanctioned purpose, a credit report on her from Experian Information Solutions, Inc., a credit reporting agency. Pintos also argues that Experian violated the FCRA by furnishing the report to PCA.

The district court granted summary judgment in favor of the defendants. Relying on our decision in Hasbun v. County of Los Angeles, 323 F.3d 801 (9th Cir. 2003), the court held that PCA was authorized to obtain Pintos's credit report under15 U.S.C. 1681b(a)(3)(A) because it was attempting to collect a debt from Pintos. Hasbun held that debt collection was a permissible purpose for obtaining a credit report, but we decided that case prior to the enactment of the Fair and Accurate Credit Transactions Act of 2003 (FACTA), Pub. L. No.108-159, 117 Stat. 1952. FACTA makes clear that debt collection is a permissible purpose for obtaining a credit report under 1681b(a)(3)(A) only in connection with a "credit transaction" in which a consumer has participated directly and voluntarily. Because PCA obtained a credit report on Pintos unrelated to any such transaction, we reverse the district court with respect to Pintos's claims against PCA and remand for further proceedings with respect to damages and to Experian's liability.

Debt Buyers' Association International, an industry trade group for junk debt buyers, has issued the following member alert' with regards to this ruling:

The Pintos Court held that the FACT ACT only allows for credit reports to be obtained in connection with collection attempts when there was an underlying "credit transaction" under the FACT ACT. Further, the Court held that a towing debt was not part of a credit transaction. The Court also found Experian liable for allowing the impermissible pull. Debt buyers are encouraged to review with their counsel their practices in pulling credit bureau reports in light of this decision.

Section 616 of the FCRA states that "obtaining a consumer report under false pretences or knowingly without a permissible purpose" makes that person liable to the consumer for "actual damages sustained by the consumer" or $1,000, whichever is greater

I haven't worked for Northland before but I have spent many years at other agencies in the area.(Minneapolis/St. Paul) One thing the companies i worked at had in common was that all accounts older than "X" (usually 6-12 months) are purged from the system. It's possible that they couldn't find you in the system because you were just simply not there. The other thing to keep in mind is that this company is rather big, and probably pulls thousands of reports. These reports are then attached to the account. If the account is gone so is the report. In the bowels of accounting they may have a a record of your report and for whom they pulled it but the chances that anyone can get that info easily is almost impossible. To put it honestly, if your score is as high as you say it is you have been extremely responible with your finances and credit. This will show itself to anyone you are asking credit from. One inquiry only deducts your score a point or 2. If you're in the 800's then you have no problems what so ever. I'm a Home Builder in MN and would have no problem approving you with a score like that. I don't even look at Inquries. So maybe you should take a deep breath and leave this alone as it isn't worth the time to fight on a 1-2 point credit issue. It's like Spending $10,000 to get $1.
If i sound cold or mean i'm sorry but if you move on life will certainly be a-ok for you.
Good Luck

Tonya. Of Chicago, Illinois. You must be an insider. Your comments bear a resemblance of what I might have said about the company but certainly not the writer, me. Your comment about me is about like accusing the president he was AWOL. You do not have the facts to make the claim. Defining Northland's mission is one thing, but assuming my credit is not worthy is another. Next time you respond, leave your full name and your Northland company number.

You are correct about the mission of Northland and I know this, however, when they made an inquiry on my credit record, which has been flawless for the last 28 years, they left their name Inquiry as Northland Group Inc a Collection Company. My point scores are around 825 with the credit reporting agencies. This inquiry reflects negative on my account. Either they remove the inquiry, provide me a letter or change the extension on the inquiry.

If I called your office at Northland, if you worked at Northland, and announced to your boss the I was from the IRS investigating your failure to report earned income for 2003, while working at the Wild Goose, would you appreciate that, if you were the wrong Tonya or perhaps I had miscalculated on your tax return?

Northland has no idea why they made the inquiry and if this is not resolved shortly, I will take legal action. They are required to maintain records. Perhaps IRS should audit them.

Thankyou for your response.

I just read your comments about a company called Northland Group. I believe you may be mistaken in thinking they've reported on your credit, as Northland Group (out of Minnesota) is a non reporting, third party collection agency. They are contracted by creditors to collect on debts, and while they will inquire on an individual's credit report, they do not report on a tradeline (this is because they do not own any of they debt which they're contracted to collect).

Also, just because they don't have record of a bill does not mean it's in-valid. Northland group (as I expressed earlier) is contracted only to collect. Most of their contracts are 6-12 months long and and after that time, if the funds have not been recovered, the client who has placed the bill for collections will remove it from their office.

This is why they are not allowed to issue you a letter stating the bill is not valid. They don't have that right. It probably is valid and you need to contact the original creditor and quit blaming a third party company.

I'm sure, had they found your records still valid in their system, they'd have helped you tremendously. This agency has some of the highest customer service rankings in the industry. That's a lot to be said about a company who's main focus is not customer service, but asset recovery. Don't belive me? Check out www.bbb.com (better business bureau) and search for northland group. I would suggest that you take another look at your credit report and contact the original creditor for your delinquent tradeline. They've probably placed your un-paid account with a new collection agency.

I just read your comments about a company called Northland Group. I believe you may be mistaken in thinking they've reported on your credit, as Northland Group (out of Minnesota) is a non reporting, third party collection agency. They are contracted by creditors to collect on debts, and while they will inquire on an individual's credit report, they do not report on a tradeline (this is because they do not own any of they debt which they're contracted to collect).

Also, just because they don't have record of a bill does not mean it's in-valid. Northland group (as I expressed earlier) is contracted only to collect. Most of their contracts are 6-12 months long and and after that time, if the funds have not been recovered, the client who has placed the bill for collections will remove it from their office.

This is why they are not allowed to issue you a letter stating the bill is not valid. They don't have that right. It probably is valid and you need to contact the original creditor and quit blaming a third party company.

I'm sure, had they found your records still valid in their system, they'd have helped you tremendously. This agency has some of the highest customer service rankings in the industry. That's a lot to be said about a company who's main focus is not customer service, but asset recovery. Don't belive me? Check out www.bbb.com (better business bureau) and search for northland group. I would suggest that you take another look at your credit report and contact the original creditor for your delinquent tradeline. They've probably placed your un-paid account with a new collection agency.

I just read your comments about a company called Northland Group. I believe you may be mistaken in thinking they've reported on your credit, as Northland Group (out of Minnesota) is a non reporting, third party collection agency. They are contracted by creditors to collect on debts, and while they will inquire on an individual's credit report, they do not report on a tradeline (this is because they do not own any of they debt which they're contracted to collect).

Also, just because they don't have record of a bill does not mean it's in-valid. Northland group (as I expressed earlier) is contracted only to collect. Most of their contracts are 6-12 months long and and after that time, if the funds have not been recovered, the client who has placed the bill for collections will remove it from their office.

This is why they are not allowed to issue you a letter stating the bill is not valid. They don't have that right. It probably is valid and you need to contact the original creditor and quit blaming a third party company.

I'm sure, had they found your records still valid in their system, they'd have helped you tremendously. This agency has some of the highest customer service rankings in the industry. That's a lot to be said about a company who's main focus is not customer service, but asset recovery. Don't belive me? Check out www.bbb.com (better business bureau) and search for northland group. I would suggest that you take another look at your credit report and contact the original creditor for your delinquent tradeline. They've probably placed your un-paid account with a new collection agency.

I just read your comments about a company called Northland Group. I believe you may be mistaken in thinking they've reported on your credit, as Northland Group (out of Minnesota) is a non reporting, third party collection agency. They are contracted by creditors to collect on debts, and while they will inquire on an individual's credit report, they do not report on a tradeline (this is because they do not own any of they debt which they're contracted to collect).

Also, just because they don't have record of a bill does not mean it's in-valid. Northland group (as I expressed earlier) is contracted only to collect. Most of their contracts are 6-12 months long and and after that time, if the funds have not been recovered, the client who has placed the bill for collections will remove it from their office.

This is why they are not allowed to issue you a letter stating the bill is not valid. They don't have that right. It probably is valid and you need to contact the original creditor and quit blaming a third party company.

I'm sure, had they found your records still valid in their system, they'd have helped you tremendously. This agency has some of the highest customer service rankings in the industry. That's a lot to be said about a company who's main focus is not customer service, but asset recovery. Don't belive me? Check out www.bbb.com (better business bureau) and search for northland group. I would suggest that you take another look at your credit report and contact the original creditor for your delinquent tradeline. They've probably placed your un-paid account with a new collection agency.