National Credit Solutions Caital Assistance Group? BOGUS rept to Credit Bureau of $81.00 debit I have no knowledge of or who they claim its for?? Rept w/o notifying me as required by LAW before reporting as delinquent. Oklahoma City, Oklahoma

From numerous other complaints ive read, i'm guessing this if for BMG. They sold out to Columbia House a number of years ago and I owed neither them OR BMG anything when Columbia HOUSE finally closed their music club (inherited from BMG).  I dont know if this was Columbia House or BMG who reported this BOGUS claim as Columbia House did this once before on a Bogus account balance. Both of these BOGUS reportings were reported without notifying me as is required by law before dinging my credit report. I have never heard of these people, never heard from them and DO NOT owe Columbia House or BMG any delinquent balance. The amount is $81.00 but they say the credit limit is $51.00 (which was the previous BOGUS amount reported by Columbia House) which I had to get removed last year.  Why are these companies allowed to continue to FALSELY report and not follow the law and ruin a consumers good report?