Debt discharged in Chapter 7 bankruptcy showing up on credit report

Luckily now, credit companies must PROVE you owe the money. Anything sent to me via a collector, I call the company the bill supposedly originated from. I received a bill from a collector I supposedly owed. I called the company I "owed" the bill for. They said I was correct in that it had been paid years before! I told the collection company it had been paid on "11/11/11" via the company's own records and to check with them. They dropped the matter. I had a few wayward bills when I was unemployed for a time. When I was able to pay I worked with the company I owed them to and ignored the collectors. Then I kept my records until I was certain the charges showed paid via the collectors. I wasn't about to deal with rude screaming collectors. The companies owed are always respectful. If I ever owe a bill again, I will contact the company owed--not a collector.

I have been reading, with great interest, all these posts. BMG/Sound and Spirit have changed their profile and will no longer be a "music club" as of April 30th, 2009. We were refinancing our home and had the same derogatory credit reported in December 2008. I called the number on the credit report which was NCS. My problem was, we ARE current members with Sound and Spirit and have always had a great relationship with them. I had just cashed in my "bonus music points" and received free cd's! BMG erroneously reported us as never fulfilling our membership agreement, which we had...we have been members in good standing for 5 years! Anyway, my fight is now with BMG to retract the info from NCS...they are not very easy to reach!!! I will keep you posted to the outcome.

Same here! I live in reno, nv and I nor my husband have ever purchased anything from bmg music! it was listed on his credit report december 2008 and they want 162 dollars!! what? I immediately talked to a woman on the phone who admitted to me that they had my husbands name but wrong address! I told her that I wanted proof of the debt and here it is April still no letter form them. I sent them a certified letter asking them for proof of the debt and that they had 30 days to respond or I would contact an attorney and sue for damages. They recieved the letter on monday April 20th so I guess We'll see what happens. I think we should all bond together and start a class action lawsuit.

I am in the process of purchasing a home and this mess should up on my credit report about a two weeks ago. The thing about this hot mess is that I never ordered anything from these people. When I contacted them they said that the bill was from 2004. I don't care when it was I never got anything from these people. I am in the process of disputing this claim with the big three creditiors and I sent a certified letter disputing the claim with a signature return. How could they just put this crap on my credit report. It pulled my score down about a hundred points. No one tried to contact me about this bill. I did not receieve music, a bill from BMG nor did I receive any type of collection notice.

This is outragous and I am ready to make someone pay!!!! and It's not going to be me!

I want to be a part of the class action sue to sue BMG and NCS for puting this crap on my credit report!

I am so glad I stumbled on this too. I live in Arkansas and just noticed this on me report! Thanks for the advice, I will be filing those letters and disputes ASAP

Hello, everyone. I am sending NCS my second dispute letter certified mail as we speak. My credit score was a 740, I wanted to purchase a BMW with no money down only to find out my credit score was shot down to a 690 due to NCS. The account was for BMG for a total of $253. I have never had an account with them and I am a victim of identity theft. Even once this account is deleted from my account, my score will not go up to a 740 again unless I get my credit to debt ratio down. Other than that, I will have to but $1,000 and get an interest rate of 8% if I get the BMW at this moment. I'm not seeking a credit consultant to see what I can do to get my score back up to the 740. I'm really to submit my info to anyone who wants to file charges!!!

My wife and I had our credit report pulled as we were trying to get a 1st time home loan. I see this on my report saying original creditor is BMG music and original amount is $28 and amount now is $172. It was posted on 12/08. I have actually just printed off my validation letter and will getting it into the mail tomorrow along with a few others from my report. I found this template of a validation letter on a law site so if you would like to copy and paste it into MS office or something go ahead. Just obviously replace the name address and stuff with your own info. Below is the following letter.
--------------------------------------------------------------
Your Name
123 Your Street Address
Your City, ST 01234

Scum Bag Collections
123 *** vulgar language deleted Ave
MYOB, IN.

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

What the money you say I owe is for.

Explain and show me how you calculated what you say I owe.

Provide me with copies of any papers that show I agreed to pay what you say I owe.

Provide a verification or copy of any judgment if applicable.

Identify the original credit.

Prove the statue of limitations has not expired.

Identify the original creditor.

Show me that your are licensed to collect in my state.

Provide me with your license numbers and registered agent.
#



At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or Trans Union) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

Violation of the Fair Credit Reporting Act

Violation of the Fair Debt Collection Practices Act

Defamation of Character

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Your Signature
Your Name

Hopefully this works as I tend to be completely totally 100% debt free including my house June 2010. But then the wife and I are moving to AZ and buying a new home.

Same as about posted on my account Dec 2008 never ordered music from BMG or recieved any debt collection before it was placed on my credit. I am willing to help start a class action law suit.

I just stumbled across this thread as well! Was tryingto research tihs company after finding a negative line on my credit report. They say my account is for Columbia house, not BMG. Thanks for the tips!

Same story... $211 dollars on my credit report from BMG (NCS) when I have never ordered anything from them. I called BMG and they told me they'd escalate the issue to have it removed from my credit report. We'll see if they actually do.

I have the same issue with NCS, said I bought BMG CD's in 2005. Somehow they slammed the collection account to my credit file due to an old address I lived at for 4 months! Problem is I never received mail at that address I always had a PO Box. It hit my credit file 12/2008. The company sent me a letter stating I owed them money and NCS calls that "validation".

has anyone used smartcredit.com to manage their credit repair?

Well...like the rest here, I also had a charge added to my credit file on 12/08 . Followed the advice and sent a certified letter to them and disputed the charge on my credit file. It was originally only listed on Equifax. That one was finally deleted and now it shows up under Experian under National Credit Solutions and that dispute is coming back as remaining !! Had to dispute it again. ADDITIONALLY..the certified letter I sent requesting information from them etc....has NOT to date been answered. They signed for it on 4/9/09. If they don't respond...what then? What would be the next step? Any information about that would be appreciated.

How ironic that most of us here are having the same date and pricetag on our reports. Isn't BMG required to hold on to something stating that the account was origionated with them and furthermore are they regulated to tell us about the debt being purchased by another company? When I called BMG, they told me they had no record (past nor present) of myself having any accounts with them. Who is regulating these incompetent and fraudulant companies??

This exact thing and exact date of December 08!
I'm following the advice of PAGreg. I'm not going down with out a fight! I haven't bought anything from BMG for 20 years!

I am actually thankful I found this post. I pulled my credit report for the first time ever (I am 25) recently and like everyone else here. Plain as day, there was NCS date opened 12/08, my husband pulled his report and it shows NCS date opened 11/08. I actually printed a PFD for NCS for both of us. Now I am taking them to the shredder, since it is obvious that this is a scam. My husband nor I have EVER purchased anything from BMG. I am greatful to know that we have options other than paying for a debt that is not ours. I will be following the course of action mentioned by PAGreg. Thank you all