Received CA from National Recovery on CR that I know nothing about any Help?

[tmac01]

I had not checked my CR in a while because I have paid off most of my CC's and I purchased a new home and I mostly had just your basic bills now. I haven't been on the boards for a few months nor checking my CMS I was just finally feeling good about my credit. My EQ is 722 my EX is 689 and my TU was 686 and today 630 ? WHAT !!!!!!! So I look down and find a CA for $117 from National Recovery ? I absolutely know nothing about it because it doesn't give me much information other than the first 3 letters of the account and what I owe. These guys have never sent any letter to my new address or my old one. I even called my parents house to go way back to see if I had received any mail and they said " No." So there is no dunning letter.It's been so long since I have had to dispute but what should I do first ? It's easier going to battle when you know what your up against but I don't know what this is and for that small amount I really have no idea. After doing a little research on the boards here it looks like it could be an old BMG/CH account from like 10 years ago. Clever had an old Columbia House Account that He/She beat so it could be that because I remember another CA coming after me but they had no S.S.# so I told them to go beat sand and I never heard from them again.Now I have never had a BMG/CH account but out of speculation it could be that because like I said around 10 years ago they sent me a CA letter . As they say never call the CA but I'm clueless here so any advice before I tackle this CA ? Thanks a million !!!!

[kbjmM]

First thing I would do is dispute it with the CRA's.

[tmac01]

Yeah but dispute what ? Some people just say " this is not my TL please delete ! " but I really have no idea what the hell this is !! With no dunning letter and just the amount and the first 3 letters of the account on my CR thats all I have. I need arsenal I'm praying that it is that same CA that called me like 10 years ago from BMG asking me my S.S. # I told them " you say you have an account that I owe you so you tell me my S.S. # ! " they hung up and I never heard back from them again. I swear I will sue TU and the CA especially TU for anything I can because I could use the extra cash. I'm not just going after a delete this time because I'm not in the mood to mess with this right now. I have too much going on in my life and I have had excellent credit for the last 4 years other than one mistaken medical CA..... Clever Cynic where are you I know you've dealt with these people before !!!!!! Thanks kbjmM

[admin]

I'd use as my dispute reason - "I don't recognize this collection account".

[tmac01]

I'd use as my dispute reason - "I don't recognize this collection account".

Thanks Admin It has to be BMG from 10 years ago because I have no other collection that could come back to haunt me. I remember them talking about an address they had on file and my name and when I look at my CR's only TU has that old address from over 10 years ago so its somehow linked. I'll just dispute the negative TL and the old address and it should drop off. Thanks again

[HomerJ]

I have heard from them as well, it was about an old Columbia House account. I disputed it and Experian said it was verified. I then got a letter from the company saying they had verified the account to EX. They used a date one month before they reported it. They claimed they were told to do so by the CRA. Is this legal? If I recall the account is from about 7-8 years ago. The other issue is my name is misspelled and I never ordered anything from them. Any suggestions.

[tmac01]

I have heard from them as well, it was about an old Columbia House account. I disputed it and Experian said it was verified. I then got a letter from the company saying they had verified the account to EX. They used a date one month before they reported it. They claimed they were told to do so by the CRA. Is this legal? If I recall the account is from about 7-8 years ago. The other issue is my name is misspelled and I never ordered anything from them. Any suggestions.

Mine just got verified as well ! Let me ask on the board the next move and go from there. I think I'll send a DV to National Recovery threatining to sue. This is not my TL and they can't possibly have the corrct information....