NRA Group, LLC

On XX/XX/XXXX, I sent a written cease-and-desist notice to the company pursuant to 15 U.S.C. 1692c ( c ), stating that this phone number is not associated with any debtor, that I have no business relationship with the company, and directing them to cease all communications. Despite this notice, the company continued sending automated collection text messages, including messages containing payment links. On or about XX/XX/XXXX, the company acknowledged in writing that this is a wrong-party number and that I am not associated with any active account. However, the automated collection texts continued after this confirmation. These communications occurred after both a written cease-and-desist and written confirmation that the number does not belong to the debtor, and therefore constitute continued unlawful contact and harassment in violation of the Fair Debt Collection Practices Act, including 15 U.S.C. 1692c ( c ) and 1692d.…

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I am reporting an imminent insertion attempt of a previously disputed and removed collection account related to an XXXX XXXX XXXX utility account. This account has been reported by multiple collection agencies, including National Recovery Agency, XXXX XXXX, and XXXX XXXX XXXX, with materially inconsistent and misleading data, including conflicting Date Opened entries and reassignment across furnishers. I formally disputed this account with the credit bureaus and it was removed. I also filed multiple prior complaints and received responses confirming that the account is not currently reporting. I have now received a new communication from the National Recovery Agency attempting to collect on this same account. The communication references an outdated and incorrect address and a balance date of XX/XX/2021, which conflicts with the original delinquency timeline.…

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I am submitting this complaint regarding NTL Recovery Agency and their reporting of an unverified collection account on my credit file. I disputed this account, and it was marked as verified, however I have not received any documentation to support the validity or accuracy of this debt. No signed agreement, payment history, or proof of ownership has been provided. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ), all reported information must be accurate and properly investigated. Reporting an account without proper verification is a violation of federal law. NTL Recovery Agency continues to report this account despite failing to provide any supporting documentation. Due to the failure to properly investigate and verify this account, I am requesting that this account be deleted from all credit reporting agencies immediately.

In early XX/XX/XXXX, National Recovery Agency contacted me regarding an alleged debt in an amount identical to a collection account that was addressed several years ago and paid in full. Despite this prior payment, the agency has reported the account as delinquent to consumer reporting agencies. I followed up in XX/XX/XXXX with proof of payment to the previous collection agency. I have submitted a written dispute and demand for validation to the collector and requested removal of the inaccurate credit reporting but I have not heard from them.

I am a 100 % XXXX combat Veteran under VA Healthcare, and I am being illegally billed by the NATIONAL RECOVERY AGENCY. I have confirmed this is both illegal and that this company, along with XXXX XXXX XXXX, XXXX has a history of alleged illegal billing activities with the Department of Veterans Affairs. This matter has been confirmed as illegal and reported to the Attorney General 's Office of the State of West Virginia. An attorney has been assigned to the case and requested I file this formal complaint. This false reporting to the credit bureaus has been reported to all three multiple times but the debt collectors continue to attempt to collect the false debt from the Veteran. The Veteran had a credit score of over 800 and has now dropped by approximately 50 points in two months, directly tied to this illegal attempt to collect a debt that the Veteran does not owe. This has also caused undue pain and suffering to the XXXX Veteran and his family.…

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My son went to the hospital XX/XX/XXXX. His date of birth is XX/XX/XXXX. At this time he was XXXX years of age. Somehow this bill showed up on my credit report. I talked to the debt collection company and they said that I can't be removed of this debt because I was listed as the guarantor. I went to the hospital and collected documentation showing how I was not listed as the guarantor at the time of visit.

Contacted me or anyone about my debt in the wrong way. They Contacted a third party about my debt ( my eldest sister ). A debt collector contacted my eldest sister via email regarding an alleged medical debt of {$880.00} stemming from a hospital visit in XX/XX/XXXX. I was not notified about this debt until it appeared on my credit report in XXXX as a newly opened account. I did not authorize any contact with my sister, and she is not a co-signer or responsible party on this debt in any way. The representative verbally informed me of the email they had on file via telephone call upon contacting them. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ), which prohibits debt collectors from communicating with third parties in connection with the collection of a debt.…

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National Recovery Agency To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the alleged account you are reporting to XXXX XXXX XXXX and any other consumer reporting agencies. I do not acknowledge this debt, nor do I accept your claim of its validity. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to provide strict proof that this alleged obligation is legitimate and that you have the legal authority to collect and report it. DEMAND FOR VALIDATION Provide the following documentation : A copy of the original signed contract or agreement bearing my signature Full chain of title/assignment, proving you have legal right to collect Complete payment history and accounting from the original creditor Name and address of the original creditor XXXX XXXX XXXX XXXX and date of default Proof that this debt is within the statute of…

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This letter serves as a formal notice that I dispute the validity of the alleged debt you claim I owe. This dispute is made pursuant to the Fair Debt Collection Practices Act, XXXX XXXX. XXXX et seq. Under XXXX XXXX. XXXX, I am requesting full validation of this alleged debt. Until you provide proper validation, you must cease all collection activities XXXX communication regarding this matter. Your company must provide the following : The name XXXX address of the original creditor. A copy of the original signed contract or agreement bearing my signature. A complete payment history of the alleged account. Proof that your company has legal authority XXXX collect this debt. Proof the debt has not exceeded the applicable statute of limitations. Documentation proving the amount you claim is accurate XXXX lawful.…

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I am disputing the account being reported by NTL Recovery for an alleged agency balance of {$2500.00}. This account does not belong to me and was opened fraudulently. My personal information was compromised during the XXXX XXXX XXXX XXXX data breaches, and it appears that my information may have been used by an unauthorized person to open or incur this debt without my knowledge or consent. I did not authorize this account, I did not enter into any agreement with NTL Recovery or the original creditor, and I have never received any goods or services related to this alleged balance. Upon discovering this account on my credit report, I immediately began disputing the account and reporting the matter as identity theft. Because this debt resulted from fraud, I request that NTL Recovery conduct a full investigation and permanently remove this account from my credit file.…

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* * Complaint Against : National Recovery Agency ( NRA Group , LLC ) * * XXXX XXXX XXXX XXXX, XXXX XXXX I am filing this complaint regarding an inaccurate collection account that National Recovery Agency reported to my credit report in XX/XX/year> for an alleged XXXX balance of {$410.00}. I have * * no knowledge of this debt * *, and the reporting of this account appears to violate multiple provisions of the * * Fair Debt Collection Practices Act ( FDCPA ) * * and the * * Fair Credit Reporting Act ( FCRA ) * *. First, I was * * never contacted by this debt collector prior to the account appearing on my credit report * *. I did not receive any phone call, letter, email, or written communication attempting to collect this alleged debt. Under * * XXXX5 U.S.C. 1692g of the FDCPA * *, a debt collector is required to provide a written validation notice within five days of their initial communication with a consumer.…

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The National Recovery Agency reported a debt without notice ( sent to the wrong address ). I disputed this with the credit bureau.. The bureau is about getting close to the 30 day window to respond. They just now sent something in the mail to my new address after doing premature credit reporting which is a violation because I never got a chance to dispute it before it went to my credit report. I am requesting an immediate deletion of this inaccurate and unverified account.

The agency reported this to credit bureaus in XX/XX/XXXX and I immediately disputed it because I hadn't received any information about this debt prior. I sent a certified debt validation request regarding a medical collection account. The letter was delivered via certified mail on XX/XX/XXXX to National Recovery Agency at XXXX XXXX XXXX, XXXX, PA XXXX. The company has not provided validation but continues to report to credit bureaus and verified it during a dispute. Please require them to provide validation or delete the account.

I am disputing a collection account listed on my credit report because I do not owe this debt. The account was placed by a collection agency that I have never done business with, and I was never notified of any debt. I am requesting verification and supporting documentation to prove that I am legally obligated to pay. So far, I have not received any proof from the company. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am asking for this account to be investigated and removed from my credit report if it can not be verifie

I am filing this complaint regarding collection accounts being reported on my credit report by XXXX XXXX XXXX and NTL Recovery Agency for an alleged medical debt of {$1400.00}. These accounts do not belong to me and I believe I am a victim of identity theft. I did not open, authorize, or agree to the alleged debt being reported. I disputed the accounts and requested verification from the companies reporting them. The only documentation that appears to exist is a medical billing statement from XXXX XXXX XXXX XXXX XXXX that lists XXXX XXXX XXXX, XXXX as the current creditor. This document does not demonstrate that XXXX XXXX XXXX or NTL Recovery Agency have the legal authority to collect or report the alleged debt. Despite my disputes and requests for verification, the companies have failed to provide competent documentation proving that I authorized or am legally responsible for the alleged debt.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I request this debt be removed from collection, any negative credit reported be deleted, CFPB record this as a violation of consumer protection laws including FDCP and FCRA because this debt is not legally adjustable. I was seen in the XXXX in XXXX, TN and as a Veteran of the XXXX with service connection I contacted the XXXX XXXX within the 72 hours and was given a claim for the provider to be paid. Both the hospital and medical providers were given the proper billing information for VA payment but failed to bill them, but sent the bills to me. The hospital services were contacted by myself and VA rep and that was resubmitted and paid. The providers refuse to submit claim to VA insurance for payment and continue to send me bills. Please see the attachments for all bill and collection information along with VA XXXX XXXX claim approval. Thank you. XXXX XXXX.

NATIONAL RECOVERY XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL RECOVERY XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

I noticed a new collection account was reported on my credit report by the National Recovery Agency. Upon further investigation, I found it was from XXXX XXXX XXXX XXXX, and they are claiming I owe {$970.00}. I contacted the collection agency on XX/XX/XXXX to request verification of the account. I asked how the balance was calculated, and the person I spoke with stated the account opened in XX/XX/XXXX for my previous address and mentioned something about XX/XX/XXXX. I inquired whether this balance was from before or after XX/XX/XXXX, and they stated they did not have that information and told me to contact the original company to obtain it. I continued to request documentation to understand how this amount was calculated in order to verify whether I actually owe this debt. If the debt can be verified, I would have no issue paying it or setting up a payment plan.

Company contacted me via text message on XX/XX/XXXX and XX/XX/year> about a supposed debt. I do not know what that is so I asked for a validation of the debt on XX/XX/XXXX. Someone responded that they could not locate an account with my information and could not validate the debt, so I asked for communication to stop. This was agreed to in their response. They texted again on XX/XX/XXXX attempting to collect a debt again. I have no idea what any debt is for and they broke their agreement of ending all contact.

National Recovery Agency is reporting a medical debt collection account on my credit reports. Original creditor : XXXX XXXX. Date of First Delinquency : XX/XX/XXXX. The account was placed with National Recovery Agency on XX/XX/XXXX more than XXXX years after the Date of First Delinquency. Florida 's statute of limitations on medical debt is XXXX years, which expired XX/XX/XXXX. National Recovery Agency is reporting an active collection on a legally time-barred debt. Additionally, I have never authorized XXXX XXXX to share my protected health information with a third-party collection agency under XXXX. XXXX is {$2100.00}.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contr act, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I received a debt collection text message on XX/XX/XXXXXXXX at approximately XXXX XXXX from NRA Group, stating that a XXXX XXXX XXXX, MO account needs review and providing a payment link. I have not lived in XXXX, Missouri since approximately XXXX, and this account does not correspond to my current or recent residence. I do not recognize this account as valid, and the message appears to be based on outdated, incorrect, or misattributed information. Despite having no connection to a XXXX, MO utility account for several years, I continue to receive debt collection communications related to this location. These contacts are improper and appear to rely on stale address data or incorrect account matching. I did not click the link, respond to the message, or acknowledge the alleged debt.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

To Whom It May Concern, I am writing to formally dispute a medical debt that appears on my credit report. I do not believe this debt is valid and request that you provide full verification of this account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, please provide : 1. Proof that this debt is mine, including documentation bearing my signature. 2. A detailed itemized statement of charges. 3. The name and address of the original medical provider. 4. Proof that the collection agency has the legal right to collect this debt. 5. Verification that this account has been reported accurately to all credit bureaus. If you are unable to provide proper validation of this debt, I request that it be immediately removed from my credit report. Please investigate this matter and respond within 30 days as required by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

The Age of the Debt : This is a XXXX medical bill and is past the 4-year Statute of Limitations for legal action in the state of Texas. Refusal to Validate : I sent a certified letter ( Tracking # XXXX ) on XX/XX/XXXX, and the collector failed/refused to pick it up. ( Attachments Included ) Invalid Verification : XXXX XXXX verified '' the debt while the collector was simultaneously avoiding my legal dispute, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately. If you want to avoid getting dragged into a civil lawsuit where you may have to pay for damages, for something you did not even intentionally do, I suggest you delete the illegal collection accounts from my credit report today. You see, NATIONAL RECOVERY AGENCY, has furnished a collection account on my credit report without validating this debt with me beforehand.…

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This account was reported to be opened on XX/XX/year>, by a collection agency called NTL Recovery Agency. I never received any notices through mail or email regarding this account, nor have I ever applied for funds through this company. I attempted to dispute this matter through credit karma with no success, and I was later instructed to file a complaint.

To Whom It May Concern, I am disputing inaccurate and unverifiable information currently being reported on my credit file. The following account must be deleted immediately : NATIONAL RECOVERY AGENCY Account # : XXXX Balance : {$1900.00} This account is being reported in violation of multiple provisions of the Fair Credit Reporting Act. The data furnisher has failed to provide documentation required under 15 U.S.C. 1681s-2 ( b ) after notice of dispute and the bureau is therefore prohibited from continuing to report unverified information. Specifically, the account lacks : Original consumer contract or service agreement Proof of identity verification at time of service Complete payment history and billing statements Chain of assignment from original creditor Verified date of first delinquency as required by 15 U.S.C. 1681s-2 ( a ) ( 5 ) Documentation demonstrating maximum possible accuracy under 15 U.S.C.…

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National Recovery Agency XXXX XXXX ( NRA Group LLC ), a third-party debt collector, sent repeated unsolicited text messages to my cellular telephone number attempting to collect a consumer debt. I have been continuously registered on the National Do Not Call Registry since 2016. Despite this long-standing registration, NRA Group sent no fewer thanXX/XX/XXXX ( XXXX ) unsolicited text messages to my mobile phone. These messages referenced credit reporting consequences, demanded payment, and included links to an online payment portal. At no time did I provide prior express consentwritten or otherwiseto receive text messages from this company. Each of these messages constitutes a separate violation of the Telephone Consumer Protection Act ( XXXX XXXX. XXXX ), including the Do Not Call provisions applicable to text messages. The frequency, content, and persistence of the messages also violate the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ).…

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I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorougn investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.…

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