Threats to Report to Credit Bureau

What is the name of your state? MD

I joined a DVD Club and obligated myself to purchase a number of DVDs. I have one left to satisfy the agreement but my problem is that the company is trying to charge me for a DVD that I never received and are threatening to report my non payment to the credit bureau. I advised them of this error in writing (twice) and just recently received a "Due on Contract" notice which is demanding that I pay for the DVD that I didn't receive and the remaining order that I have a year to satisfy. They have also stated in this notice that my "unsatisfactory account was reported to a National Consumer Reporting Service." The gone to add that "as soon as payment is received, my accoutn will be returned to good standing and the account information removed from the consumer reporting service database. What recourse do I have with dealing with this?

[JETX]

What the creditor claims to have done (unlikely in my opinion) is not a violation.

However, you have the right to accuracy of your credit report (as provided by the FCRA - Fair Credit Reporting Act) and it sounds like the reporit (if made) would be in error. The first thing you would need to do would be to get a copy of your credit file from all three CRA's (Credit Reporting Agencies) and review it for inaccurate data. If you find inaccuracies, the Act provides a method for you to request that the CRA investigate the report and remove it if your claim is found valid. To read the Act, go to: [url]http://www.ftc.gov/[/url]