Consumer complaint received 2023-08-08
Company: N.A.R., Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation Regarding Debt Ownership and Assignment To Whom It May Concern, I am writing to formally request documentation and information regarding the ownership and assignment of a debt that has been reported on my credit history by XXXX XXXX and North American Recovery ( N.A.R. ). I believe there may be discrepancies and misleading practices surrounding the assignment of this debt to a third-party collections agency, and I am seeking clarification through this formal request. 
The details of my situation are as follows : * Account Information : * Creditor : XXXX XXXX * Debt Type : [ Specify the nature of the debt, e.g., credit card, loan, etc. ] * Account Number : [ Specify the account number, if available ] * Original Debt Amount : [ Specify the original amount of the debt ] * Date of Charge-Off : [ Specify the date of charge-off as indicated by XXXX XXXX ] * Conflicting Information : * I have received conflicting information regarding the status and ownership of the aforementioned debt. In correspondence from XXXX XXXX, it was indicated that the debt associated with the account had been charged off. However, I subsequently learned that the debt had been assigned to North American Recovery for collection and recovery. 
* Request for Documentation : * In light of the conflicting information, I am kindly requesting the following documentation and information to establish the accurate ownership and assignment of the debt : a. Proof of Debt Ownership : Please provide documentation that clearly demonstrates the ownership of the debt by either XXXX XXXX or North American Recovery. This could include contracts, agreements, or any other relevant documentation.b. Debt Assignment Documentation : If the debt has been assigned to North American Recovery, I request documentation that outlines the terms and conditions of this assignment. Please provide any agreements, records of transfer, or other relevant documentation that support this claim.c. Contact Information : Please provide the contact information for a representative from XXXX XXXX who can confirm the debt 's status and the assignment to North American Recovery, or alternatively, provide the contact information for a representative from North American Recovery who can address these matters. 
I am deeply concerned about the accuracy and transparency of the information being reported on my credit history. It is essential that I have access to clear and verifiable documentation to fully understand the ownership and assignment of this debt. I am committed to resolving this matter in a fair and responsible manner, and I believe that having access to the requested documentation will aid in achieving a just resolution. 
Thank you for your attention to this matter. I look forward to your prompt response and the provision of the requested documentation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation