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A collection claim against me for the amount of $146 by Hollywood Video was filed with the credit reporting agencies. I didn't find out about this until I went to buy a new car. This collections claim lowered my credit score and caused me to pay a higher finance rate on my new car. Now, I have to contact the three credit reporting agencies to get this false claim removed. I was never contacted by my local video store or by Movie Gallery. they never contacted me about any late or missing videos. Now, there is no way to contact the company because they filed for bankruptcy.
Same thing happened to me. I never knew there was a collection filed against me until I went to buy a new car. Then, it popped up on my credit rating, lowered it considerably. It was for between $140 and $150. I was never contacted by the local video store or Movie Gallery. Now, I have to file with the credit reporting agencies to get it removed.
The complaint has been investigated and resolved to the customer’s satisfaction.
If you owe it, opay it. If Not:
I researched this on the Internet and found we are not alone. See Below----
http://www.alabamaconsumerlawblog.com/2010/11/national_credit_solutions_and.html
http://www.consumeraffairs.com/entertainment/hollywood_video.html
http://www.consumeraffairs.com/news04/2010/11/hollywood-video-reaches-from-the-grave-to-grab-consumers.html
Movie Gallery — Account sent to collections without any notice of debt
http://articles.ky3.com/2010-10-19/collection-agency_24143109
ALSO:
Go Here and Create a Debt Validation Letter. Learn about your rights and send a letter to NCS using the template VIA certified Mail Immediately. http://www.creditinfocenter.com/forms/sampleletter9.shtml
or http://aaacreditguide.com/credit-repair-letters/validation-letters/
Read This and Know Your Rights: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf and http://www.creditinfocenter.com/rebuild/debt_validation.shtml
Call Experian at: [protected] IMMEDIATELY
Call The Federal Trade Commission at: 1-877-FTC-HELP [protected])
Go here: http://www.ag.ky.gov/civil/consumerprotection/ for your Kentucky Attorney General and File a Complaint with Consumer Protection
Lastly- File A Complaint with the Oklahoma Better Business Bureau