I recently found a collection on my credit report from the company, National Credit Solutions, located in OKC, OK collecting for a BMG music. I contacted this NCS and asked them what this was for. They said it was for some mail order company for CD's. I tried to explain to them that I did not order anything from the named company and do not owe the $162 they are saying that I do. I have never been contacted by the company by mail or telephone telling me I owe this money. It just appeared on my credit report. When I contacted them myself to tell them they were reporting this in error they were beligerant, ugly, rude and wouldn't listen to anything I had to say. They told me what a terrible person I was because I didn't pay my bills. When I tried to tell them that I never ordered anything from this BMG place they said "sure I did" so I asked them for proof and they said since it is a "mail order" they didn't have to provide proof that I received anything. This has to be wrong. I have some scamming collection company that has gotten my name and social security number somehow and it trying to stick me for $162 or they can just leave a collection on my credit report? I asked them for a debt verification and they have yet to send it to me. They did tell me over the phone as they were laughing at me that all they had to do is send me a letter saying they "verified" the debt...they are not required to send proof. How can businesses exist like this..this is harrassment and not to mention just plain wrong.