BMG music services and National Credit Solution (reporting agency) is bent and determined to destroy people's credit record in this recession period.
I noticed what I thought was an error on my credit report from Experian in March 2009 reported by National Credit Solution for $22 to BMG music services in 2004. There was no phone number, so searched for their phone number online. I called and spoke to a representative. I explained that I never purchased whatever item in question from BMG or received any invoice from them to that effect. The representative stated that the purchase was made in March 2004. She also stated that the purchase was American Pie 3 DVD movie.
This raised my suspicion of identity theft. I requested to know the address on record since I never received letter of intent to collect a debt from them or invoice from BMG music services. I have been in my address since 2003 and don't have American Pie 3 DVD movie in my house. The representative told me that NATIONAL CREDIT SOLUTION sent a letter to address in February 2009 for an attempt to collect the debt. I never received invoice(s) from BMG and/or letter(s) from NATIONAL CREDIT SOLUTION.
After five days of speaking to NSC, I received letter of attempt to collect debt from them dated a day after my call. Why would they write me after my call? This prompted my follow-up call immedately. I spoke to the same person that had told me that a letter was sent in February, this time she told me that NCS is not supposed or obligated by law to notify debtors in my state as it's not required in State of Virginia to notify consumers of debt before reporting to bureau.
I vehemently disputed this record on my credit file and requested that NSC furnish me with BMG itemized statements of billing and/or invoices sent to me with regards to this purchase. I also requested to know information provided at the time of purchase.
What I received from NCS was a "sham" letter signed by compliance department (no name) with the following information:
Last known billing address debtor: my address
Name of Original Credit: BMG Music Service
Original Creditor's address: P.O. Box 91529, Indianapolis, IN 46209
AD Description America PIE 3
AD Date 3/16/2004
AD Amount $22.93
AD TDesc: Regular Product
Since they could not provide me with information provided during the order or invoice copy sent to my address, I am still curious to know how BMG or NCS got my SSN to report this negative information in my report since I never ordered DVD from BMG. It appears there could be consumers rights violation by BMG and their reporting agencies. What are the information required in order report information to the credit bureau? I am hoping that there will be class action law suit slammed on BMG and its cohorts for this scam. BMG or NCS will definitely pay for this their scam some day. My good credit of 735 score is what they want to ruin with $22.93 or $139 as they claim now.