Could be skip tracing some other person, which means NCO is not allowed to say much to you for privacy concerns. NCO Financial has not been shy about breaking other parts of the FDCPA, though. It rebranded as Expert Global Solutions in April 2012, possibly to distance itself from the millions it's lost in the past decade for two FTC actions and settlements with 21 states. Here's the most recent federal spanking ....
World's Largest Debt Collection Operation Settles FTC Charges, Will Pay $3.2 Million Penalty
http://www.ftc.gov/news-events/press-releases ... tc-charges-will
".... the FTC charged that the companies violated the Fair Debt Collection Practices Act and the FTC Act by using tactics such as calling consumers multiple times per day, calling even after being asked to stop, calling early in the morning or late at night, calling consumers’ workplaces despite knowing that the employers prohibited such calls, and leaving phone messages that disclosed the debtor’s name, and the existence of the debt, to third parties. According to the FTC’s complaint, the companies also continued collection efforts without verifying the debt, even after consumers said they did not owe it."
FTC and CFPB material on US federal collection law:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection