• Report: #330511
Complaint Review:

RJM Acquisitions LLC

  • Submitted: Sun, May 04, 2008
  • Updated: Tue, May 06, 2008

  • Reported By:Tallahassee Florida
RJM Acquisitions LLC
Suit 224 575 Underhill BLVD Syosset, New York U.S.A.

RJM Acquisitions LLC - Insightoutbooks.com - Doubleday Book Club RJM enters derrogatory credit entry without notice for non-existant book club account Syosset New York

*Author of original report: Update/original debtholder has two account numbers but no information

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I was notified of a new credit entry on my Experian report. I checked it out and RJM ACQ LLC entered a collections/charge-off entry which lowered my credit score from 770 (excellent) to 587 (fair).

I dug deeper into this credit entry and discovered this was a "bad debt" for $36 purchased from Insightoutbooks.com book club for collections. I had never heard of Insightoutbooks.com but considered that I may have inadvertantly "joined" or forgotten or whatever.

I went to the Insightoutbook.com website and attempted to "sign in" using the one and only e-mail address I've had for the past ten years. I entered my e-mail address and clicked "forgot password" to see what would happen. The response was "This e-mail address is not in our database."

Insightoutbooks.com turns out to be a site which sells homosexual books where you buy one for 99 cents and pay regular prices for several more books over time. Neither the products nor the terms are appealing to me so by this point I'm positive I never had an account with them.

I contacted the customer service at insightoutbooks.com and they quickly responded and indicated that they had "sold the account to RJM Acquisitions" and cannot service my account. They could not indicate the purchase of any membership, purchases etc.

I faxed a letter to RJM ACQ LLC stating that I have no knowledge of this bookclub account but would pay it rather than waste energy disputing it if RJM agrees explicitly in writing to permanently REMOVE, not amend their derrogatory entry from any and all credit reporting agencies.

Lets see what happens and I will continue to post ammendments as this unfolds.

Tallahassee, Florida

This report was posted on Ripoff Report on 05/04/2008 10:09 PM and is a permanent record located here: http://www.ripoffreport.com/reports/rjm-acquisitions-llc/syosset-new-york-11791/rjm-acquisitions-llc-insightoutbookscom-doubleday-book-club-rjm-enters-derrogatory-cr-330511. 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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Updates & Rebuttals

#1 Author of original report

Update/original debtholder has two account numbers but no information

AUTHOR: Robert - (U.S.A.)

When I originally contacted Insightoutbooks.com they responded with an e-mail basically stating "your account #XYZ1234 has been sold and we can no longer service this account" and please feel free to contact us if you have any other questions.

I e-mailed them a second time stating "Yes I do have another question--can you tell me what I purchased, when how etc." They responded with another e-mail "Your account number ZQW4321 has been sold and we can no longer service this account". . .

The point is that they seem to be generating RANDOM account numbers to suggest the actual existence of an account. This is really starting to look like organized crime. Even I didn't know for sure that I hadn't accidentally obligated myself to some agreement until I went to the website and determined they were selling something for which I have no interest. I wonder how many people just send the money?

As for RJM--I sent a fax offering to pay the balance of this phantom account in exchange for removal from my credit report. I have yet to get a reply. I sent them a letter with the same offer today.

I also made a challenge to the credit report entry with Equifax and they "Investigated" it but stated the entry will stand as is--with no indication of any further information.

I will continue to post updates as this unfolds.
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