Cross Country Bank Scams Another Innocent Consumer

I would recomend that you pull all your reports from all the credit bureaus to find out where it is listed, unless of course you already know. With a copy of the original contract agreement available to you (in the event it is needed), contact all credit agencies where it is listed and follow their dispute process. Once this process is in motion, the company must prove the validity of the debt(generally by way of the contract and billing information). If they fail to do so within 30 days, you need to demand that the credit agency immediately remove the information from your record. They must maintain correct information in your report, however they don't find out unless you tell them because the companies that report you just don't care. I hope this helps in some way...good luck.