Who can report to credit bureau?
May.05, 2009 in
Credit
disgruntled asked:
I bought a book from a merchant on Amazon, and they erroneously sent me two instead of one. I sent it back and they say they’ve never received it and are threatening to report me to the credit bureaus. I don’t have an account with them, I paid by credit card. How can they do this? Is it even legal?
I bought a book from a merchant on Amazon, and they erroneously sent me two instead of one. I sent it back and they say they’ve never received it and are threatening to report me to the credit bureaus. I don’t have an account with them, I paid by credit card. How can they do this? Is it even legal?
May 8th, 2009 at 3:51 am
They’re blowing smoke. Just send them a copy of the shipping receipt and they’ll shut up.
In the highly unlikely event that they do put it on your credit report, challenge it. Provide proof that the book was returned and it will be removed from your credit report.
There’s another line of thought here, though. When they sent you two copies, the second was “unordered merchandise”. By law, you are free to treat that as a gift and do whatever you wish with it. The only way that the seller can recover the property is to collect it from you at your convenience. If they didn’t send you a return shipping container and prepaid shipping label then you are under no obligation to even return it to them. If they did, they bear all risk for the return of the property; you have no liability at all.
May 10th, 2009 at 4:18 pm
You can always contact your credit card company and have them deduct the transaction and only take money for the one purchase, and send the book back to the merchant by registered mail with a photocopy of the shipping receipt. Keep the original for yourself in case your credit gets into a mess.