How to dispute a BOM serviced card, that nobody knows of?? : CRedit

So I feel I requested this earlier than, however now I need to know, how would my fellow Redditors do that?

I’ve a charge-off on my experiences from BOM. A card I’ve no data of. closed in 2018.

I name BOM, and searching on the particulars, the cardboard belongs to Emblem. Not less than thats what we guessed, serviced by our good pals at myccpay.com

1. BOM has NO data / data on the cardboard

2. Emblem has no data ( spoke with them yesterday )

3. myccpay has a quantity for me to name, Jefferson Capitol ( assortment firm ) …..they dont have this account both. Neither does one other firm Asset Acceptance.

4. I disputed this account final month, it got here again verified. JTM Capitol Mgmnt.

5. Once I name JTM, automated system says it has no data with my social, and hangs up on me. I see a LOT of complaints towards them. Letters get unanswered. Google search reveals they’re half of a bigger debt assortment firm that additionally has been sued. United Holdings.

So what additional remaining steps ought to I take, to 100% confirm:

1. It IS my account and my debt and I have to pay

2. it’s NOT my account and must be eliminated

Is it actually MY accountability to contact United Holdings and possibly get a solution?

What’s the simplest approach to take away this silly factor?

Further added goodness: BOM will all the time have a “/” in your report..BOM/TV = Whole Visa.

This BOM has NO slash.