I pulled my credit report and upon review, I saw National Credit Solutions with an original creditor as BMG Music Services. I did not recognize this as a debt I owed. I called the number listed on the report (never got a bill from BMG or National Credit Solutions) and I ask them if they could validate this bill, send me some kind of paper work that I could look at to see just what this was.
The individual was rude and said they could send me a bill to pay from them... But they did not have to validate anything. On my report the original bill was $28.00 and present balance was $169.00 yet I told them it was not my bill and I wanted the account deleted from my credit report. The answer was no, and so now I am stuck with this account on my credit report and even if I were to pay a debt I dispute it would remain.
The credit bureaus are no help, if you dispute it, they don't get a validation from them, no paper work, original contract, bills, payment history. I assume they just contact them and say does this person owe a debt and the company says yes and that is it. Because when disputed, within a matter of minutes or hours, they have completed thier "investigation" and you have made no progress in resolving the dispute.
So this company with rude, threatening, agents... Continues to list unvalidated reports on your credit. The debt is not one that I incurred but it is on my credit report and I am stuck with it. Even though I considered to pay it (less expensive than an attorney) if they would delete it from my report, but the individual first said to pay it then they would remove it, I said you will have to send me a legal document stating upon payment for a debt that I dispute that it would be immediately removed from my credit report, before I pay anything (as the debt is not mine) and the individual said they would not put anything in writing and if I did not pay it, the negative report would remain indefinately and that they would use any and all means necessary to collect this debt (again not one I incurred) but they do not care about that, stating it is my problem not thiers.
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