In August I pulled my free annual credit reports. I was excited because I had paid off a lot of stuff and thought "finally we can apply for that mortgage loan" NOT!!! There was an entry on both Experian and Trans Union reports from Trident Asset Management. Apparently at some point in 2005 I opened an account with BMG, funny, I don't recall doing this, nor do I recall ever receiving any cd's or cassettes!
So I immediately disputed with the CRAs, which of course came back as "verified". I wonder how they do this since I don't even know who this company is and I know dam* well I didn't open this account with BMG. So I fired off a DV letter to this Trident Asset Management company.
I received a response telling me my (nonexistant) account was purchased by OPS 10, LLC but that I could continue to contact Trident in regard to this account and that "Due to the special circumstances regarding your account, once paid we will send a delete transaction to all credit bureaus within 30 days so that this account can be removed from your credit history." Really? Sounds like blackmail to me! Not to mention, if OPS 10 now owns the account, why would I contact Trident to talk about it and why would I send any money to Trident if they don't own the account? All sounds a bit fishy to me.
Conveniently, BMG is now out of business so it's impossible to contact them to prove that I don't owe this money, I've tried, and all the phone numbers are out of service, letters are returned to sender. So the big question now is, what do I do? Where do I go from here?
I want this off my reports, but at the same time, why should I pay money that I know I don't owe? How many other people are being scammed this exact same way? This is absurd! I've again disputed it with the CRAs, but I've also filed a complaint with the GA Governor's office of consumer protection (normally you'd complain to the attorney general but in GA, apparently it's different). If you are going through the same situation, I suggest you file a complaint with them as well at this link http://consumer. Georgia. Gov/consumer-services/filing-a-complaint. I'm hoping they will get to the bottom of this.
As a last resort, just to get it off my report, I may just pay the $71.55, but the concern with that is this whole Trident/OPS 10 thing. I'm afraid I'll pay Trident and then have OPS come after me for the same debt or vice versa. I'm absolutely disgusted!!!
And the government wonders why people are blowing up buildings and killing each other! This is why, because everyone wants their hands on our money... Our hard earned money that we bust our humps for, they want to take what isn't theirs, what isn't owed to them. Ugh
0 comments