Consumer complaint received 2019-10-28
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I get notifications from XXXX when something happens on my credit report and I got a notification that I had a debt that was sent to collections and was already on my credit. I have never received a call or anything in the mail stating that anyone was trying to collect a debt from me. 

The debt is an {$84.00} dollar bill from XXXX XXXX and XXXX ( XXXX XXXX XXXX ) for a rental property that I own. I do not live there, I have tenants there, so I should not have been receiving a bill anyway. But, once I saw it come onto my credit, I called XXXX XXXX XXXX immediately and paid it ( XX/XX/2019 ). I spoke with XXXX & XXXX about the fact that I was not contacted and they referred me to the debt collections company, National Recovery Agency. I spoke to a person at the National Recovery Agency ( XX/XX/2019 ) and they said they can not close the account out until they have notification from XXXX XXXX XXXX, I called XXXX XXXX XXXX back and they were processing the information and would have it sent to National Recovery Agency. At the same time, I had asked the agent at National Recovery Agency why I was not contacted by phone or voicemail or through a letter in the mail. She said they had called me but they did not leave a voicemail because they said they are not allowed to leave voicemails if my name is not on my voicemail, my full name is on my voicemail so that can not be true ( XX/XX/2019 ). 

I am in the process of getting a loan for a house and this has took my credit score down by 60 points, and obviously that makes a huge difference in what kind of interest rate I can be approved for. My lender asked me if I could contact National Recovery Agency and have them put into writing that they would be closing the account out as soon as they received notification that the account was paid from XXXX XXXX XXXX, they said they can not do that so I asked to speak to a supervisor ( XX/XX/2019 ). The supervisor that I spoke to is named XXXX XXXX - she would not give me her employee number but she gave me her extension number : XXXX and the phone number is : XXXX. While speaking to XXXX XXXX, the supervisor, I asked why I was not contacted and why no one left me a voicemail when my full name was on my voicemail, she could not answer that. We then spoke about why this bill was put onto my credit without me even being contacted first. Ms. XXXX stated that they have 5 days after initial contact to send the debt information in the mail. She is saying that the initial contact was XX/XX/2019, when I contacted them. So from that point, XX/XX/2019, they have 5 days to send the information in the mail. I understand that, my question is if they are claiming that XX/XX/2019 was the initial contact then why was this debt already sent to my credit report? If they had never had contact with me then I was never given the chance to rectify or dispute the debt.

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 explanation