nco financial systems JUST showed up on my credit report for a very questionable bill from four years ago . They said it was for an ambulance ride in nyc, I never took an ambulance in nyc. I got sick once and took a cash car service. nco said they could not send in writing an agreement that says if I pay or settle that they will remove or report the bill as paid. They also told me they didn't have access to any proof that they purchased the debt and that He didn't know which department that might be in. I called the original debter and they have nothing on file for me. I have disputed this through experian is their anything else I should know or do? Im a bit scared due to nco's extremely bad reputation.