Send them the letter below and file a complaint with the FTC. DO NOT PAY THEM! keep on them. it is worth it. Make sure you send this letter with a return receipt. When I filed the complaint with the FTC i received a letter back from them within two weeks saying they were investigating the matter and provided me with a copy of the letter they themselves sent this company. A week after that I received a letter from the NRA saying that the account was referred to them in error. I contacted a lawyer before I did all this and my lawyer informed me that collections on an account must cease 6 years after last payment was made and if no payments are made 7 years after the account was allegedly opened. Of course in my case the account was never opened. I don't know why they do this and I don't care. My attorney general has them under investigation as well and not just because of my complaint. This company has been under investigation for a while. And I am not some crybaby that doesn't feel like paying my bills. If the company made a legitimate mistake that's fine but they should have tried to resolve that with me in the beginning instead of dragging it out for a year and a half. Here's the letter I sent them:
NRA Group LLC
Dba: National Recovery Agency
PO Box 67015
Harrisburg, PA 17106-7015
Dear Collection Manager,
Re: Account listed under name/account number
A year ago ago I pulled my credit report and noticed a collection from your agency. Not recognizing the debt I called and asked for verification of the debt to please be mailed to me. I have called several times since then and still have not received or been notified of this collection by mail. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission (FTC) and other state/federal agencies.
Please attach copies of the following documents:
1.Agreement with your client that authorizes you to collect on this alleged debt.
2.Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3.Complete itemized statement on this account so as to prove that the debt amount you wish to collect is correct.
If I do not receive these documents my lawyer and I will be forced to take further action against your company.