Debt discharged in Chapter 7 bankruptcy showing up on credit report

I pulled my credit report on 3/14/2009 and noticed the same Collection account for $146.00 from the same company. National Credit Solutions. I have not purchased anything from BMG and it states that the account was opened 12/2008 and They placed a derogatory condition on my credit report for this account on 12/21/2008. Even if I did purchase this crap, and I did not, Who reports to the credit bureau in 21 days? Someone please let me know what is going on with company so this can come off of my credit report.

I just got on the web to search National Credit Solution (NAS) collection so that I can call them about an entry that was entered on my credit report stating that I owe BMG $161 for an account opened in Dec 2008. Once I did that I found that so many others rec'd these erroneous charges. I too asked Experian to investigate and was told it was complete. I am going to do all I can to get this off credit report as I have never opened an account with BMG and not liable for those charges. I have been working so hard to keep my credit report clean and this brings my credit score down. This is wrong and I'll continue to update you all with my progress. Please continue to post your experience. The authorities ought to investigate all these complaints

I never had a BMG acct in my life now NCS said I owe them 257 and the CDs was sent to a PO BOX.
I already disputed it trhough experian but they said it took them 30-45 days to investigate it. Please help, i am in the middle of refinancing my house.

Was the acronym for National Credit Solutions CRDT SOLUTNS? There is some company on my credit report reporting an account from The First Bank of Delaware for $480. I have researched all over the internet trying to find this company so I can send them a debt validation letter but cannot seem to find this company anywhere. If anyone knows, please email me asap at e_dubble_d[at]yahoo[dot]com

Just received a message for my credit report this morning with this company listed and $135.00 debt tacked to it. Have absolutely no clue what it's about (doesn't even read BMG anywhere on my credit report). Has the same listed date as all of you (December 200 with a 1 month "no payment" listed. Received a call about 3 weeks ago, and a young lady told me something about $135.00 debt for a medical bill from 1997. I asked her for specifics because I had no idea what she was talking about and she told me she had no specifics (I guess not from 1997). She then transferred me to a answering machine that requested all my pertinent information (including SS#). I hung up believeing it was a scam (and I certainly wasn't going to leave my SS# on an answering machine). I just disputed the item on my Experian account and will be calling this NCS later today once they open. I'm at a complete loss at to how they get away with stuff like this.... I find it interesting they can find my unlisted phone number to call me but they can't find my home address to mail me what this is all about? I've never even received a voice message from them stating what this is about. It just so happened my husband picked up the phone three weeks ago and it was this lady talking about a medical bill from 1997.

Here's what I don't understand outside of all this... How in fact can a collection agency contact you for something that's over 10 years old? Whether it be BMG, Medical Bills, etc? And then how can they place something on your credit record when they haven't even sent you a piece of mail (something tangible), that explains what the collection is about? This is all too weird to me!

OMG! I happened to stumble on this page while searching for a phone number to contact NCS. I too am going thru the exact same thing! I have a report 12/08 with a balance from BMG of $197.80. I was going to pay them until ran accross this and saw several other people have this occuring to them.
I was going to pay it just to get if off my credit,but now after seeing this, I will dispute it.

I just got off the phone with BMG about a 176.00 balance that should not be on my credit!! I have been given the run around so many times it's ridiculous! They won't let me speak to a manager and one agent even hung up on me. I am given different collection agencies each time I call, with of course different numbers. I'm so frustrated!

To PAGreg i'm going to take your advice and take the necessary steps and hopefully I get the same results!

Hey you said you are planning to sue?!!
my e mail address is L a u r a. E b a n k s @ g mail {dot} com
any one else with help or information regarding BMG and this National Credit place please write me!!!

This is absolutely ridiculous!! I have worked hard like many here to improve my credit rating and now I have to pull a credit report to dispute NCS's error!! I was just notified by a monitoring service I have that a collection was entered for $270 on 3/25/09. From the sounds of this thread...it must be BMG music---haven't done business with them for over 15 years!!! and filed BK on that over 10 years ago. Of course the phone number for NCS 405-619-3630 is always busy.....I wonder why? I sure don't have time to be dealing with this abuse but will follow-up with the recommendations from previous posts. Will keep an eye on this thread to see how others do.

Hey you said you are planning to sue?!!
my e mail address is L a u r a. E b a n k s @ g mail {dot} com
any one else with help or information regarding BMG and this National Credit place please write me!!!

I TOO HAD MORE SCORE DROP 100 POINTS BECAUSE OF THE SAME ISSUE EVERYONE IS HAVING BMG SAID THE DATE IT OPENED THE ACCOUNT WAS 12/2008 AND REPORTED IT 3/09 I NEVER RECEIVED ANY MERCHANDISE FROM THEM. THEY SHOULD BE BROUGHT TO COURT. THEY ARE SCREWING ALOT OF PEOPLES CREDIT UP AND THEY SHOULD BE SUED.

If anyone wants to be a part of a class action lawsuit againsts this company email me at natbug81(at)gmail.com this company needs to be brought to there knees!

I have 3 entry from the agency. I've called them and found out that one was under my sister name and the other two she said that it was from BMG which I never received anything from them. I know that my sister ordered from them in the past but not me. I've sent April identification to proof that was not me, and she agreed over the phone to have the one under my sister name removed and it is still on my credit report. I disputed it with the credit bureau and waiting for the investigation result. I sent them yesterday via email a debt validation letter.


what else should I do?

I just found out the same, I have no idea where this came from, my price was $211, i have never had credit cause im only 20 yrs old, and i was trying to start credit, and they said that the same thing thing u guys said was on my credit report, If any of you figure out anything or have any ideas please email me Bouncebak41@yahoo.com cause i am panicking cause it seems like I have bad credit, and HAVEN'T DID ANYTHING

I too am having the same problem & I contacted experian, federal trade, attorney general, bbb & wrote ncs a letter to validate it & of course they sent me a bill well anyone can print out a bill & make up an account number and say hey you owe this. It does not state what cd's I purchased I have to figure out the next step. I know I did not purchase anything from them within the last eight years & I cannot remember anything before that. I dont get account open 12/08 & in collections in 3/09 I never received a bill before this. I suggest everyone complain as I did to all the companies I did & if there is enough comlplaints hopefully they will be investigated & brought to court

I too am having the same problem & I contacted experian, federal trade, attorney general, bbb & wrote ncs a letter to validate it & of course they sent me a bill well anyone can print out a bill & make up an account number and say hey you owe this. It does not state what cd's I purchased I have to figure out the next step. I know I did not purchase anything from them within the last eight years & I cannot remember anything before that. I dont get account open 12/08 & in collections in 3/09 I never received a bill before this. I suggest everyone complain as I did to all the companies I did & if there is enough comlplaints hopefully they will be investigated & brought to court