Complaint / Review
1st Credit Of America - MyPerfectCredit - MPC VISA - Harris Digital Publishing
Not honoring termination request, calling daily saying I owe $ I don't

As a result of using Harris Digital Publishing's web site and attempting to purchase a downloadable program I am now harassed by one of their affiliate companies: My Perfect Credit and 1st Credit of America.

The original download program which did not work, gave purchasers a thank you that was tied to My Perfect Credit whether you wanted it or not.

I have contacted all three credit bureaus and put a fraud alert on my file. Upon inspection of my report from Experian, I see that there is a company on the report named MPC VISA, stating that this is an extension of credit and is to remain on file until 3.

WHAT? I never opened a line of credit through MPC VISA nor did I ever receive anything stating I have an account out there. This is the part that is scary. The company has an address in Ft. Collins, CO but no phone number. I tried calling information to obtain a phone number but they had no listing of the business.

I did a reverse address look up and there are a series of businesses at the address, but not one for MPC VISA. Why are credit bureaus not demanding phone numbers from businesses seeking info on me.

I have also gone back through my credit card statements and see that My Perfect Credit continued to bill me even after I faxed the "5 day right to term" notice as they suggested. I have never been able to get my refund back from either My Perfect Credit or Harris Digital Publishing.

I let the whole thing go chalking it up to my stupidity for trying to purchase a downloadable program from the internet site for Harris Digital Publishing in Deland, FL. This company is reason my name was even forwarded on to My Perfect Credit.

I like everyone else have been receiving calls daily. I tried calling but never am able to get through. I want to send a Cease & Desist letter to 1st Credit of America but don't know if I can since I have not been able to get through to them. Does anyone know if I can send the letter to the addresses but just use my phone number as the reference?

I have already sent complaints to a lot of place but am not hopeful that anyone will do anything. The credit bureau just said they would look into it.

I hope one of the agencies (FBI Ineternet Fraud, FTC) or office of one of Attorney General offices (FL, IL, NY, CA, CO) that have complaints takes these companies on. The little people need help.