if you have the same name as a person that owes money to a book club or fingerhut, and that account is purchashed by rjm, rjm will most likely appear on your credit report

[NASCAR_Devil]

Which goes to show that RJM does not do its due diligence before violating the FCRA. Big surprise, huh?

How or does anyone know a good Lawyer to go after these fools... I had a debt with BOA and paid it, have the receipt, and now I receive a letter from these yahoo's stating they are collecting a debt for Bank of America and give me not only options to pay them back with several different settlements. These yahoo's have screwed with my credit report as well. How do I sue them and whom do I contact? There's so much more to this issue, but I'm too angry at this point to type without using abusive language.

Any help would be most appreciated.

Thanks....

Send them a DV letter, then Check at NACA,net to see if there is an attorney in your area.

I checked my credit last week with all three agencies. I have no adverse accounts on Experian or Equifax, but on TransUnion I had on adverse account reporting from RJM. It said that is was a $119 collection account from Homestyle Book's Book Club. I have never heard of or done business w/ this company. I have filed a dispute w/ TransUnion. I will be contacting RJM but I am worried that they will refuse to remove this from my credit.

RJM purchased 'my' account on BMG Music Club which I found out was a CD site. The funny thing is, I have just gotten my first debit card within the past 3 months and no where in my browsing history puts me on that site. I think I remember another letter from them years ago too. They offer me 20% off if I pay it. Any advice for what I should do?

[NASCAR_Devil]

Is it possible someone opened the BMG account under your name? Very easy to do since they don't really check. My kids did the same thing to me a couple years ago.

If you rec a letter from RJM or any other collection agency for an acct that was charged off by the original creditor, you are not obligated to pay it, simply ask when the acct was charged off and find out what the statute is for your state and let them know they cannot charge you for it, also make sure you specifically tell them to remove it from your credit report and then verify that they have done it. Also book clubs and dvd clubs ask for the titles, some are very suspicious in nature, you may have ordered certain items, but it appears that the original creditor added bogus purchases. By all means look up the Fair/ Credit Act too many people just pay instead of knowing their rights. This is why companies like this continue.

Yes, I received a letter today from RJM about a fingerhut account. The account was 11 yrs old it is not mine but they had my name and correct address at the time. The amount was for $352.89 at the end of the letter it gave me 3 options to pay with payments. NEVER EXCEPT THIS KIND OF AGREEMENT. if you do then it brings to debt up to date and it can be placed on your credit report. Even if the debt is 20 years old.
so i called them up, told them that this was not my debt it was past the statue of limits to be place on my credit report. That when I received the letter i went right to my computer and found page after page about RJM and their scams. I was pretty nasty. I told them I would contact my DA, a lawyer, I would find every person they scammed and file a civil suit if I ever find anything from them on my credit report ever.
When I was done screaming, she said, Ok. Melissa we are going to terminate this debt. it is gone from our computers. I gave her a week to send me a letter to confirm and this was the end of our conversation.
Call them once they know that you are on to them they want nothing to do with you and they close the account. They are the biggest scam going and everyone who was scammed by them should get together and take them down.

[NASCAR_Devil]

NEVER EXCEPT THIS KIND OF AGREEMENT. if you do then it brings to debt up to date and it can be placed on your credit report. Even if the debt is 20 years old.

Melissa...you have been mis-informed. The maximum amount of time that this can be on your credit report is 7 years + 180 days and not 1 moment longer. Payment of a debt that has past that time, cannot be re-reported.

I just got a letter from these people saying I have an overdue bank balance with Wachovia Bank. Who I worked for in the past and do not have an overdrawn account. There asking me to settle this account and receive a free gift for doing so!!! These people are crazy! I might have some bad credit out there from an ex who got a hold of my credit cards, but I'm almost done paying them off. I know I don't owe any bank money. How do you and who do you report these people to??

[NASCAR_Devil]

The FTC, the AG's in your state and their state, the ACA if they are members are all good places to file complaints.

Im having a problem RJM and Childrens BOMC. RJM put a claim on my credit report that I owe $98. Ive never ordered from this company and don't have children. Does anyone know what can be done?

My mother is deceased and she got a letter from RJM saying she owed over 4 hundred dollars for being overdrawn on a checking account from a bank she had never had an account with. They had submitted a negative report to Trans-Union and Experian. I called them and they told me they would remove her address from their list. Is this place a big scam? I asked them how they knew the date she was born and the date she had died. They said they got it from the social security death index. I wonder how many executors of estates get these things and pay the bill because they don't know the difference. Something needs to be done about this place. They could collect a lot of money from the estates of dead people who never owed the money in the first place.

i received a letter from rjm stating that i had an OLD DELINQUENT account at bank of america CHECKING ACCT FOR $3325.25. I have not ever had a checking acct. here or ever had any type of banking relationship with B of A what so ever. RJM is threatening to report to all three credit bureaus.

Quote from RJM
"When RJM reported this account, EXPERIAN told us that we must use December 13, 2006 (the date RJM purchased this account) as the opening date rather than the original opening date of June 5, 2003"
Deceptive indeed by 3 years!!!!