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Report: #699298

Complaint Review: National Credit Solutions-Columbia House DVD - Oklahoma City Oklahoma

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  • Reported By: Jenifer — Vancouver Washington U.S.A.
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  • 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: https://www.ripoffreport.com/reports/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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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