Same tinng happened ot me! And two years after this fraud, with no bill sent that has any representation of what was supposedly bought ( just phone calls and maybe one bill with a gross amount of $148 no explanation) and a collection agency has now submitted these false charges to all three credit bureaus. THe agency is CRB I beleive. I wrote a complaint to Equifax (online dispute form) and got an email that said they investigated and the charge remains as delinquent on my credit report. I have not written the other two agencies but will. Equifiax does NOT investigate. That is their own little fraud they run. They simply write or maybe call the collections agency who confirms the charge. This is really great for consumers since the collection agency has absolutley no relationship to the charge or the charging company, usually buys these supposed delinquent accouont lists from other brokers or the companies themselves and gets PAID ONLY if they say the charge is legitimate and thus perhaps collect on it. Is there a better scam thna thhis?
This company should be closd indeed, but so should Equifax and the other agencies. No one shouold be able to file a false claim against any consumer and have it go on record without proving it in court. The whole system of thesecredit reporting agencies is ### backwards. The claim should be made to the consumer first, by the agency and the original account holder (no collection agency should have the right to file a credit claim). The consumer should then have the right to challenge the calim and a nuetral process should make a decision on the legitimacy of the claim. Only then should the claim be allowed to go on a credit report. If I could find enough people to agree with me, I would gladly lead the charge with Congress and perhaps file a class action suit against the credit reporting agencies for fraud. Only way to get things done I am afraid.