PinkiBee Posted April 27, 2009 Report Share Posted April 27, 2009 Hello All. this is a strange one. i checked my credit report and saw a collections item from National Credit Solutions for $196.00. and i have no idea what that is so i dispute it and ask them to verify. i then get a letter in the mail from them a while later saying its from BMG Music service and it lists all these CDS and says that i owe. the kicker is that its not even my correct name; they have my middle name listed as my first name and my last name. is there anything i can do at this point? should i call them or write a letter? i really don't know what to do and i don't want to pay for something that isn't mine. this was around the time i was living away from home in an apartment building full of other college students so i'm thinking maybe i got one of those offers for CDs and someone got them in my name but of course i can't prove it. and this address was mine 5 years ago. any advice would really help. thanks all. Link to comment Share on other sites More sharing options...
Naval50 Posted April 28, 2009 Report Share Posted April 28, 2009 When did you get their letter?I would treat this like any other debt. Send them a DV letter... wait a few days then dispute with you CRA(s).Send everything certified, it's up to them to prove it's your debt. Link to comment Share on other sites More sharing options...
PinkiBee Posted April 29, 2009 Author Report Share Posted April 29, 2009 The letter is dated April 7th. Its only on one of my credit reports (Experian) thank goodness, and I've disputed it with them. I'm working on the DV letter now. Link to comment Share on other sites More sharing options...
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