• Report: #712250

Complaint Review: National Recovery Agency

  • Submitted: Thu, March 31, 2011
  • Updated: Thu, March 31, 2011

  • Reported By: Fighting Back! — Phoenix Arizona United States of America
National Recovery Agency
PO Box 67533 Harrisburg, Pennsylvania United States of America

National Recovery Agency Credit Plus Solution Group Fraud Collecion Agency Scam Dirtbags Harrisburg, Pennsylvania

*Consumer Suggestion: Here is what I did...

*Consumer Suggestion: Stay off the phone, and use only certified mail...

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I have a fraudulent collection agency hurting my credit.   I noticed a collection on my credit report for $44.00.  I received a phone call from the company and a woman said that I owed Columbia House from 2007.  I do not know Columbia House and never had a transaction with Columbia House.  I told the woman that the collection is fraud. She said, "Pay your bills ma'am."  I said, "You pay your bills."  She had a lot of immediate and aggressive responses.  This call was mid-March 2011.  A few days later, a man called (sounding like he was eating a sandwich) and said this call would be recorded then hung up.  They never mail me anything.  The caller ID shows them calling sporadically and when I answer they hang up on me. 

 I see on the Internet that Columbia House was involved with fraudulent sale of debt in 2008.  This alleged agreement with me, the woman said, was 2007.  This collection agency that is on my credit report is called National Recovery Agency, 800-773-4503.  Since they never mail me anything, all I have is that name and a phone number from my credit report.  I see on the Better Business Bureau that the phone number pulls up the name of another collection agency, Credit Plus Solution Group, PO Box 67533 in Harrisburg, PA, 17106.
 
I want this removed from my credit report per the FCRA.  This is fraud therefore unverifiable and does not belong to me.  I also want to report this collection agency to the proper authorities that protect consumers.

I wroite to the three bureaus, AZ Attorney Generals office, PA Attorney Generals office, the Federal Trade Commission, and the Better Business Bureau.  The addresses are below for you to send your action letters to also:

Federal Trade Commission
Consumer Response Center/FCRA
600 Pennsylvania Ave NW
Washington, DC 20580

Equifax
P.O. Box 740256
Atlanta, GA 30374-0241

Experian
PO Box 9701
Allen, TX  75013

TransUnion
2 Baldwin Place
P.O. Box 2000
Chester, PA  19022

AZ Attorney Generals Office
1275 West Washington Street
Phoenix, AZ 85007

Better Business Bureau
BBB of Metro Washington DC & Eastern Pennsylvania
1411 K St. NW, 10th Floor 
Washington, DC 20005-3404

Pennsylvania Office of Attorney General
16th Floor, Strawberry Square
Harrisburg, PA 17120

This report was posted on Ripoff Report on 03/31/2011 01:57 AM and is a permanent record located here: http://www.ripoffreport.com/r/National-Recovery-Agency/Harrisburg-Pennsylvania-17106/National-Recovery-Agency-Credit-Plus-Solution-Group-Fraud-Collecion-Agency-Scam-Dirtbags-712250. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

Here is what I did...

AUTHOR: Jenifer - (U.S.A.)

First off, Equifax will do NOTHING to help you with this, regardless of the fact that it is a bogus debt.  I had the same bogus debt on my credit reports for $36 and it took Equifax all of 24 hours  to verify it with the bottom feeders.

I know Steve says to not file complaints, but when a credit reporting agency is allowing fraudulent debts to remain on your report, you kinda have to let the AG of your state know.

I filed a complaint with the AG in my state as well as the BBB in the bottom feeders state (though I do know the BBB won't do anything, just wanted it noted).  Within 3 weeks, I had an email from the AG with a letter attached from the bottom feeders to inform me they removed my information from their database as a 'courtesy' (gee, thanks, now that I have been denied two loans because of this fraud!), and would put in requests to remove it from all 3 bureaus.  I plan on calling all 3 in the next week or two to confirm this has been done.

Good luck!!!!
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#2 Consumer Suggestion

Stay off the phone, and use only certified mail...

AUTHOR: Steve - (USA)

Don't waste your time sending complaints to agencies / companies who have no jurisdiction.

NEVER speak to any third party debt collector aka "bottomfeeder". STAY OFF THE PHONE!! Telephone calls do not protect your rights under the law.

Communicate only in writing and only by certified mail, return reciept requested.Be sure to put the certified # in the body of the letter itself, and keep a copy for your records. Never sign anything you send a debt collector.

By the means above, send a dispute to each affected credit bureau. Keep it short.Just tell them that it is not your account, and that you have never done business with that company.Then inform them that you want copies of any correspondence and/or "confirmation" of said information.

Now, write a similar letter to the collection agency and DEMAND to see a signed contract where you agreed to this alleged debt. DEMAND a full account history and itemization of all charges. DO NOT sign the letter as your signature could end up on a "contract". Not uncommon at all.

Both parties here have 30 days from the time they recieve your certified request to comply fully. If they fail to comply, you must sue them under FDCPA and FCRA provisions.

Note that the FTC DOES NOT act on individual complaints, nor do they represent individual consumers. This is also true for the AG's Office. Your complaints to these agencies will only be kept for possible future action  in a class action basis, and/or forwarded to other law enforcement agencies, etc.

The BBB has absolutely no power to make anyone do anything as they are not any sort of government agency. They are a for profit private business.

The bottom line here is that there is no agency, government or otherwise that will represent your interest in FDCPA or FCRA cases. The consumer has ONLY one option which is to sue at own expense.
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