Consumer complaint received 2018-02-09
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, after being alerted by my credit monitoring service that there was a " collection '' on my credit reports, I contacted XXXX XXXX XXXX to inquire about the " collection '' they placed on my credit reports on behalf of XXXX XXXX XXXX in the amount of {$330.00}. 

XXXX XXXX XXXX ( NRA ) informed me the collection was for a XXXX account from XXXX at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I explained to NRA that I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and that in XXXX and prior, in live in XXXX, MD. I asked NRA what  information they had that linked this account to me, was there a date of birth or social security number? They stated that the only information they had linking the account to me was my name and that address. I explained again that i had never lived at the address and that address does not appear on my credit report. 

On XX/XX/XXXX, I sent NRA a certified letter asking NRA to provide evidence linking me directly to this collection account and validating this collection/debt. I specifically asked for personal identifiable information linking me to the collection account such as a social security account and/or a date of birth. I also asked for an itemized bill detailing the services that were provided that resulted in the {$330.00} in debt. In response to my request, I simply received an " Account Summary '' from XXXX showing charges in the amount of {$330.00}, charged to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 

I called XXXX to inquire about the account since the account number was on the bill NRA sent me. XXXX stated they no longer had access to that information because XXXX XXXX XXXX. I then called XXXX XXXX XXXX and they refused to speak with me only referring me to NRA. 

I then disputed the collection with the 3 credit collection agencies. Both XXXX and XXXX have removed the collection from my report but XXXX  states that NRA has verified the collection as accurate and refused to remove that collection from my report even though there is no personally identifiable evidence to link that collection account to me. XXXX states that they do not need personally identifiable information to link a collection to an individual, they only need the reporting company to confirm the information is accurate. 

On XX/XX/XXXX, I sent NRA another registered letter asking again to provide evidence validating this debt/collection and asking them to remove this collection from my credit report. In response, on XX/XX/XXXX, NRA sent my the same account summary of a XXXX bill but did not provide any evidence linking me to this account expect for my name, XXXX XXXX, on the account. 

I am simply requesting that NRA look at the billing history of this account to determine who was paying the bill.

I am requesting that NRA remove this collection from my credit reports, specifically XXXX and provide me with evidence that this is my account. This collection is adversely affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief