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Movie Gallery / collection claim filed with credit reporting agencies

1 PA, United States Review updated:

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.

C6
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  • C6
      Dec 29, 2010

    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.

    0 Votes
  •   Dec 30, 2010

    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
    https://www.complaintsboard.com/complaints/movie-gallery-c392970.html?sort=datea&page=1
    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: 1-866-853-0303 IMMEDIATELY
    Call The Federal Trade Commission at: 1-877-FTC-HELP (1-877-382-4357)
    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

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