I am f**cked, someone help please !!

[tonybui]

Sorry since this is in the wrong section but this is the most visited part of the forum, so I apologize first. I have a problem that really need your help since most of you have more experience than me at this stuff.

I purchased something from Bloomingdales and returned a couple days later. I didnt know that I was enroll in the credit protection BS so there was a balance of $2 in my account that I have no idea of. Anyways, 3 months passed by and it became $15 and was reported to the credit bureau. I called Bloomingdales and they said I have to contact the credit bureau myself. I call the 3 bureau and they asked me to pay to get my credit report but I only need to talk to a human about my problem and solve the problem (dont mind to pay to get everything solved) Does anyone here knows how to deal with this stuff, if so PLEASE help me, I'm about to purchase a new car and this is killing me.