I had the EXACT same scenario.. Well, on my wife's credit report but here's how I resolved it:
Go to the New York BBB website (http://www.newyork.bbb.org/), look up the company, "RJM ACQUISITIONS" and submit the following dispute:
RJM ACQUISITIONS is currently reporting a listing on my credit report from a debt allegedly owed to "DOUBLEDAY BOOK CLUB" with an account number listed as "###" via my Experian Credit Report. I have never received a collection notice from RJM Acquisitions and have made repeated attempts to contact them to validate this debt, though I have never done business with "Doubleday Book Club" nor have I ever heard of them. RJM Acquisitions is in violation of the FDCPA and FCRA by not sending me a dunning letter, refusing to validate my debt when requested and I am currently disputing the negative item through Experian's dispute process.
Desired Outcome: I demand that this item be deleted from my credit report as I have done no business with Double Day Book Club and RJM Acquisitions is currently in violation of the FDCPA and FCRA by reporting this inaccurate listing which is negatively impacting my credit report and credit worthiness.
And as a result, I received the following response:
Company states: Based on Mrs. Mays claim that she has never did business with the Doubleday Book Club, RJM Acquisitions LLC has closed the account number ###. In addition, an update was sent to the credit bureaus to which RJM Acquisitions LLC reports instructing them to delete the RJM Acquisitions LLC tradeline pertaining to the BMG Music Club account. In accordance with the Fair Credit Reporting Act, a credit reporting agency has up to 45 days to update any changes.
