National Credit Solutions, Collection Agency, RIP-OFF - BREAKING THE LAW - RE-AGING OF ACCOUNTS, ATTEMPTING TO COLLECT DEBT 8 YEARS OLD
Today, I checked my credit report recently and noticed that a deroagatory account was added to my credit report for something i do not remember. It was an account with Columbia House stating I owed $190 and they said in 2001 I signed up for free DVD movies. However, they reported to the 3 credit bureaus that this is an account from 2005 as the first date it became delinquent!
Can you believe that? They let you go 4 years without paying before they inform you an account is delinquent? 100% of all corporations and credit card companies today will put your account in delinquent status if you do not pay after 30 days, and close the account after 90 days. BUT what we are really talking about here, is this collection agency is actually breaking the law using a scheme called "RE-AGING OF ACCOUNTS" which is flat out illegal and against the law.
When i called National Credit Solutions and spoke to a lady this morning about this account, I was being very professional and nicely asked her to show me proof the account is mine, and that I was disputing the $190 amount and wanted an itemized list of how they came up with the $190 in charges, and whether this account was over the statute of limitations, which it clearly is. (IT IS THE LAW).
When i brought this information up, the lady that I was speaking to would start talking over me and not allow me to finish talking, and then she started yelling at me. As a consumer, we ALL have rights, and there are procedures and laws she MUST follow and provide me with the information that I requested. It is OUR god-given rights as a citizen of this great country! AND she chose to throw my rights out the window, tell me she does not care, and there is nothing i can do about it.
She flat out told me it does not matter how old this account is, that it is now on my credit report and will stay there until i pay this account. I hung up on her because she was the most unprofessional person that I have ever spoke to in my life, and I will never allow someone like this speak to me using scare tactics like that. I did get her to admit to me that this was an account from 2001.
But i have never made a payment, and i have never once received any letter, phone call, email, or communication with this company in the last 7 years, if i did, I would have paid the bill, if i did owe it.
This company is clearly in violation of ftc laws regarding re-aging accounts. It is flat out illegal and against the law.
National Credit Solutions HAS CLEARLY violated the federal Fair Debt Collection Practices Act by reporting false, deceptive and misleading information about the plaintiff to the three national credit reporting agencies.
A similiar collection agency just lost a major class action lawsuit doing the same thing. You can get info here about the company called nco:
AND HERE
http://usacomplaints.com/reports/0/088/ RipOff0088380.htm
I am taking the following action immediately:
1. Filing a complaint here so everyone will know about this company.
2. Filing a report with the BBB in their local area
3. Filing an FTC complaint
4. I am having my lawyer send them a letter and will sue them here in California. For them to even show up here, will costs them $2000 or more with what they have to pay their lawyers to show up.
BEWARE! Always check your credit reports. You can go to and you can check your reports online every day, each month and see what is going on. The collection agencies do this because they know they can get away with it, and they can re-age old accounts whenever they feel like it, because they are getting away with it.
But they are not getting away with this with me!
Victim of fraud
Long Beach, California
U.S.A.
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