KCA on report, they dont have my SSN.

[z00ropa]

Ok, I have (or rather had) excellent credit. Decide I will check my credit report just for fun.. and find a collection account for $71 lousy stinking dollars.
Call the collection agency and they tell me its for a BMG music(or DVD) club subscription. I haven't opened one of these in years, and anyone who has ever opened one knows that you can open them in all kinds of names, you dont need a SSN just an address and a pen, hell when I was a teenager my dog got 10 free CDs from Columbia House.

Question is... how can they put an item on my credit report without a SSN?

I told the collection agency I will pay the $71 even though I feel its not mine if they delete it off my report, which they say they will after I pay. I told them no way, give me a letter stating you will delete when paid and I will pay you, but they won't do it. So there it sits.

I called one of the credit agencies and they said if they have your name and address they can put it on your report. That seems like bull to me.

(I better check my dog's credit report also I suppose)

[angeltear757]

Dispute it with the credit reporting agencies and demand validation of the debt from the collector. Most likely you will not have to pay it. i realize that wasn't an issue, but you shouldn't have to pay for someone else's mistakes...how many hours do you spend at your job to make that $71 you're going to hand over to them? I'd have to be at work for over 5 hours, and i don't like my job enough to throw away that money.

[chane]

I agree. Dispute it and send validation. If it comes back as verified, send the credit bureaus a procedural request.

[z00ropa]

Thanks for the advice!

[MBS1913]

I realize that this is an older post. But I'm wondering what the outcome was. I'm in the same situation now.