unknown vendor reported me

[Anonymous]

My credit score dropped 10 points after someone unknown reported for for an unpaid debt.  what rights do I have to dispute this.  how do I find out who and what it is for.  I think it may be for a debt from a collection agency from about 10 years ago.

[llecs]

Welcome to the forums!

Is this a collection agency or an original creditor? Are you open to listing the name?

[Anonymous]

Have you pulled your free annual reports to see what is listed? See link below.

[Anonymous]

is it legal on the forums to state a name?  i am new to forums

[Anonymous]

Of a creditor or CA, yes.

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kkcarroll wrote:

is it legal on the forums to state a name?  i am new to forums

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[Anonymous]

the name of the credit people who reported me is anderson fin network/bloom   it says first reported 04/09  but i remember this exact amount from a cell phone company which i never used the cell phone but took it back because it didn't work within the three days then they charged me a cancellation fee of 1155.00  it has to be this company because it is the exact amount but i know for sure that it was over 7 years ago,

[Anonymous]

I thought i read once before on this website that a person call request an inquiry of the credit reporting agency and if they don't give you all the details of the account within 30 days that they have to remove the account. 

[Anonymous]

My first suggestion would be to pull your reports directly from the CRA to find out exactly what is being reported.

What is the DOFD/removal date being reported?

Is there an OC listed?

[Anonymous]

what is dofd stand for?

what is oc?

[Anonymous]

Oh i guess it most likely means date of first deliquency.  DOFD  Anyway it says not on record.