This morning (4/1), I was denied a home loanbased on a negative on my credit report appearing February THIS YEAR — anaccount closure of due to failure to pay. The claim was by National RecoveryAgency (2491 Paxton, Harrisburg, PA 17111; ph: 800-773-4503). They claim I oweColumbia House $88 from 8 years ago. I remember ordering CDs, and when —ACCORDING TRACKING THEY PRINTED ON EACH INVOICE — I completed my obligation, Ireturned each response coupon" with the box checked that I didn't want thecurrent selection and wrote "CLOSE ACCOUNT" in marker across the eachcoupon. I would have called to cancel IF there had been a number to call. Imoved 5 times since leaving that address. No other entity has difficultyfinding me, by my contacting them with my new address or by postal forwarding. I make no secret of my whereabouts in any attempt to evade any entity. The BBBpublicly reported (via Wikipedia) that: "In December BMG MusicService sold an unknown number of fraudulent debt claims to a collectionagency. Supposed delinquents were not made known of their debt and most had notmade purchases with the company for at least five years. Victims of the sale offalse debt claims were not made known of either their debt or the accountopened with National Credit Solutions. Most victims learned of the collectionsagency account when they were denied for a loan or checked their creditreports." Apparently, they repeated this practice in late this timewith the National Recovery Agency. I feel no obligation to pay for unordereditems. Were this a valid claim, some attempt would have been made in 8 years tocontact me. Going directly to credit agencies with "collection"claims warrants joining victims of this company and its affiliates in class-actionsuits. I appreciate advice on joining such suits and rectifying this situation, especially as to it impacts my ability to buy a home. (NOTE: This was the ONLYnegative on my credit report — but it was severe enough to deny a loan.)
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