[NASCAR_Devil]

The date RJM opened the account has no bearing on the amount of time it can remain on your credit report. It is not deceptive. It would be accurately reporting for their tradeline. The 6/5/03 open date would be the OC not RJM. Regardless of what date RJM reports, it can only remain on your creit report for 7 years + 180 days from the date of first default with the original creditor.

I just got off the phone with them and cussed them out over an account from 12 years ago from BofA stating that I owed them 174$. I told them I will be contacting my attorney if I see as much as an inquiry on my CR. They told me they were sorry and it will be taken out of there systems. I wonder how many millions of dollars in revenue they see yearly from these fraudelent activities.

RJM is claiming I owe a debt of over 5k to a credit card and they are offering me incentives to settle for $1700.00. I have no history of this credit card number. I checked the past 5 years of my credit reports and a credit card with the number they claim is no where in my history. I am writing to RJM now and hope to clear my name AND bring them up on charges.

I'm sitting here reading all these complaints and people paying out money to creditors through RJM I'm really starting to wonder if I owe any bill now since they are telling me I owe a bank from along time ago. which I find funny because I have a current account with a bank and if I owed a bank you can't get another account with another bank that is why I'm wondering are they just telling me this or is this an actual account! If I ever find out that they are scamming me or that is not an account I will be suing the hell out of them too!

[beli2005]

tonya I would NEVER EVER EVER give anyone my account number unless they have properly validated a debt. If you know you don't owe a bank, ask them to send something in witting so you can dispute it. If they say they don't have to chances are they are not legit. By law they HAVE to send you a dunning letter five days after first contact.

speak to a lawyer about going after them under your state's Consumer Protection Act of the recent federal law.Many lawyers do this wrok where they get paid by the otherside by law.Also cosider contacting your state Attorney General's Office and lodging a complaint

Received a nice letter from RJM Acquisitions for an overdrawn Wachovia account. The letter was dater May 19, 2009. I called RJM and was told that it was for an account closed in December 1999. I told the lady that I was not paying the $79.43. Had I not looked the company up on the internet, I would have sent them the payment.

I HAVE WASH DC SUPPORT AND RELATIVE APPOINTED BY OBAMA THAT I HAVE ABILITY TO TAKE ALL INFORMATION OF MANY OF THE CREDIT AGENCY SCAMS...PLEASE EMAIL ME AND DO NOT STOP AND GIVE ALL INFO ASAP AND I WILL REPLY ON EACH FILE WITH RJM. CONTACT ME DIRECT AT Email:assemblyreview@aol.com and I will help END THIS NIGHTMARE now and I have been violated too.

This is ridiculous! I just found out that I too have been scammed by this One Spirit Book Club. They charged a "past due" amount of $27.00 on my credit report. I never agreed to their club. I received several books from them inwhich I did not order, and never received anything at all until my credit report over 7 years later when attempting to buy a home. How about that!

Best one yet! RJM sent me a packet with a cover letter stating that "RJM has become aware of an inquiry you made concerning the above referenced account owned by RJM." In the packet were very official looking "replacement statements" from an account I had with Wachovia in 2005. The dates were changed on this "statement" to last year. I did owe what was stated, but paid Wachovia in 2005 for the debt. Here's the kicker: I have never sent any validation or verification letter to RJM!! What to do, what to do...???

This has happened to me I just read this sight and man I wish I would have read it before I paid them, I still have two more to go I don't know what that word above means but I am going to try this they got me because of the same thing about 4 years ago from a children's book of the month club and BmG music club and something else what really pisses me off is it dropped my credit score I have really working hard on my credit score to get a house when I disputed it as "they illegally obtained my social security number" RJM said they only used it by my address. They said they will delete it once it paid but if there is a way to dispute it without having to pay it than I am going to do like that cuz that less out my pocket.