• Report: #699298

Complaint Review: National Credit Solutions-Columbia House DVD

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  • Submitted: Thu, February 24, 2011
  • Updated: Thu, March 03, 2011

  • Reported By: Jenifer — Vancouver Washington U.S.A.
National Credit Solutions-Columbia House DVD
PO BOX 15779 Oklahoma City, Oklahoma United States of America

National Credit Solutions-Columbia House DVD NCS False information Reported to Experian for a contract I fulfilled in 2003 Oklahoma City, Oklahoma

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Checking my credit report with Experian and discovered these scum bottom feeders reported a debt as NEW as of July 2010, effectively dropping my credit score by 50 points.  I never received any notices from them of this alleged debt.  I did have an account with Columbia House DVD wayyyyyyy back in 2002 and 2003, when I fulfilled my end of the agreement and closed my account.  When I called NCS to get a mailing address to send them request for validation of debt, I was told that I was beyond my 30 days to contest, though I had never received anything from them.  Experian, within two days, verified the debt, which I find amusing, because there is no way this CAN be validated.  I filed complaints with FTC and the State AG, and miraculously, on Feb 15, I received a letter from NCS as notification of the debt they had already placed on my credit report 7 months earlier.  I immediately sent them a validation request, via fax AND mail giving them 30 days to reply and verify, noting in my letter that a 'statement' of my account was not acceptable for verification.  My issue is though, even if they don't validate it, what do I do with experian, who refuses to remove it--do I just keep rechallenging it?

This report was posted on Ripoff Report on 02/24/2011 07:48 AM and is a permanent record located here: http://www.ripoffreport.com/r/National-Credit-Solutions-Columbia-House-DVD/Oklahoma-City-Oklahoma-/National-Credit-Solutions-Columbia-House-DVD-NCS-False-information-Reported-to-Experian-fo-699298. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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