tl;dr re: disputing a debt
Several, several months ago I got a notice from the local movie rental place (where I do have an account) charging me an ungoldy amount of money for a DVD I supposedly rented. I didn't rent it, as I already own that movie and have since it came out in like, 2006. I went to the rental place to try and sort things out, but they told me there was nothing that could be done. The thing is, you don't need any sort of ID to rent there. When you go up to the counter to check out, all they ask for is the last 4 digits of your phone number - no name, no membership card, no license or state ID, nothing. The only time they ask you for a name is if there are more than one accounts listed under those 4 digits, like there is under my parents' last 4 digits. But there's only me in their system with my last 4 digits. I found out that whoever rented the movie paid with cash, which I never do. Anyway, it has gone to collections and I tried disputing it, and they told me I have to file a police report. It's only $80, so that seems like a hassle, but then again, that's a big chunk of money for me. I'm on a very limited income right now, seeing as the school year has started and I'm paying for my college on my own. Have any of you had an experience like this? Is it worth it to file a police report? I mean, it's pretty much all he-said-she-said because it was my account but they didn't ask the customer for ID and there's no proof (like a credit/debit card transaction) to say that it was 100% me. It's also the only thing on my credit report... if I file a police report and that doesn't suffice, how long would it stay on my report? I really don't want to pay $80 for a movie I already own :( But I guess I'll squeeze it out if that's my best option. Thanks so much!