I RECEIVED A LETTER FROM A COLLECTION AGENCY NAMED N.A.R.INC. FOR AN OUTSTANDING DEBT TO XXXX. I DID USE XXXX ON XXXX/XXXX/2012 WHICH I PAID IN FULL AT TIME OF SERVICE. I HAVE RECEIVED NO BILL OR PHONE JUST XXXX DAY I GOT A BILL SAYING I OWE XXXX DOLLARS TO N.A.R. SINCE THEN MY CREDIT SCORE HAS DROPPED FROM A XXXX TO A XXXX FOR A DEBT I DO NOT OWE. I GET NO RESPONSE FROM XXXX. THIS IS RIDICULOUS A COMPANY CAN RUIN MY CREDIT FOR A DEBT WHICH IS NOT MINE.