Consumer complaint received 2023-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

I'm writing to the Consumer Financial Protection Bureau to report a collection agency that is mistreating me and utilizing improper communication techniques when it appears on my credit record. I ask that the CFPB office check into my matter. The balance of this account {$140.00}, XXXXXXXX XXXX XXXX, has just appeared on my credit record without any prior notice to me.There was no phone call or written letter to me, so I can't let them know they've got the incorrect person. I have no idea how they obtained my information or my social security number, but they suddenly appeared on my credit report. I owe this business nothing, and My credit score has significantly decreased, according to a warning I'm receiving from my credit monitoring service and XXXX  XXXX.I haven't received a call or a letter, so I can't let them know they've got the wrong person. My social security number and personal information mysteriously appeared on my credit report, and I have no idea how they got hold of it. My credit score has considerably fallen, according to a notice I'm getting from my credit monitoring service and XXXX  XXXX, and I owe this company nothing.Since I've previously experienced identity theft, I keep very careful tabs on my financial situation. This appears to be a case of the debt parking I read about on the FTC website. The Federal Trade Commission has taken action against debt collection firms it claims fraudulently or dubiously added debts to consumers ' credit records in an effort to pressure them into paying the obligations. This is designated as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, NATL RECOVER . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections.Consumers are shielded from these unlawful conduct by a legal process. My credit score is being negatively impacted by this account, therefore if I'm turned down for anything, I'll speak with a fdcpa lawyer to seek financial relief. A new collection that I have never spoken to or received any correspondence from has appeared on my credit record. I am writing to inform you of this infringement so that you will be aware of my disagreement with and dispute with this account. I have NO financial obligation to this company and they have just reported to my credit THIS month. This is in violation of my rights because I have NEVER had communication nor received a RIGHT TO DISPUTE letter from this company. I DISPUTE THIS ACCOUNT, THIS IS NOT MINE. I demand they furnish the original information pertaining to this account along with all interest, fees and payment information. I am forwarding this issue to the CFPB as well.