James, my wife works for a collections agency and she said there are federally regulated standards as to who can file a credit report. If this is a commercial account, (and you want to do it yourself) you need to file with Dun and Bradstreet, but you have to have a DB account yourself (company). If this is an individual, you will have to go through a collections attorney or file in small claims court.
She said that in order to report to a credit bureau though, there has to be a contract whereby you or your company has extended a line of credit to the party on question; so a nonpayment for completion of services related to a demo contract would not qualify as "credit delinquency".
If you need any help finding a collections attorney she said she would help or you might try searching at the ACA website.
http://www.acainternational.org/
Hope this helps!
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