I decided to check my credit report for accuracy, and one of the inaccuracies I knew for a fact was a scam. It had something to do with a collection agency name Peak Capital Corp. (or Peak Financial Solution). They say that I got a loan from National Payday Loan for $500.00 and now with interest and fees I owe $1,512.00. I have taken out payday loans, but I have used the same ones and paid them back consistently. Neither one of them is National Payday Loan. I also called my bank that I know longer have the bank account that I was supposedly had received the funds and the bank told me that they saw no deposit from a payday loan for that amount in the time frame that the collection agency claims. Www.nationalpaydayloan.com is not even a properly formatted online payday loan website. When you click on "Member Login", it takes you to like a search of the words "Member Login". When I called the collection agency, the guy got smart with me and was very unprofessional. It seemed like he tried to talk sophisticated jargon to try and confuse me. He kept stressing I should settle the debt, but he is not going to remove it from my credit report. After I told him that I was going to pay anything, he just said that there was nothing for us to talk about then. When I disputed it on the Experian website, I got a letter from them stating that the claim is "verified as Reported" and will remain on my credit report. I am stuck right now and don't know what my next step should be.
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