NRA Group, LLC

My father got repeated text messages on XXXX with the debt collectors named National recovery agency. They told him in writing how much I owe and a settlement offer. He was never on the loan. Now he knows how much I owe and the settlement offer to pay it. When I called them, they tried to say that the company that sold them this gave them all these numbers and they were not gon na call or verify to make sure who it was. They just were going to send out the information.

i am disputing the accuracy of the following being reported on my consumer credit reports : FSNB ( {$100.00} ), XXXX XXXX ( {$520.00} ), XXXX XXXX ( opened in XXXX, approximately {$500.00} ), XXXX XXXX ( {$220.00} ). NATIONAL RECOVERY AGENCY ( opened in XXXX, {$2800.00} ). I sent a debt validation request and submitted disputes under the Fair Credit Reporting Act ( FRCA ), but the information continues to be reported without providing sufficient documentation supporting accounts, provide all documentation supporting the reporting, and correct or remove any information that can not be verified as required by the Fair Credit Reporting Act.

I have a printed out copy of everything I have signed with an estimated insurance discount and benefit. This from XX/XX/year>. I went into XXXX XXXX for braces. They then said I had to get a teeth cleaning and my wisdom teeth removed. My wisdom teeth were never hurting so I thought it was strange. The teeth cleanings from the insurance at the time was XXXX free teeth cleaning a year. I was then told the price which was {$5400.00}. Estimated insurance was {$2800.00}. The estimated insurance benefit was {$1400.00}. The patient responsibility listed including a {$30.00} deductible was {$1100.00}. Which I paid through XXXX XXXX. They are now saying I owe a total of {$2600.00}. I then contacted them a few times to try to get help and the only responses I received were I still owe this and they will resubmit my insurance, then they would give me a call back. That was the last time I received a call back about the insurance.…

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

Date : XXXX XXXX, XXXX Subject : Request to Investigate and Remove Inaccurate Collection Account Dear Experian/TransUnion, I am writing to dispute the following collection account on my credit report : Collection Agency : National Recovery Agency ( NTL Recovery Agency ) Original Creditor : XXXX XXXX Account Number : XXXX Account Balance : {$710.00} Date Opened : XX/XX/XXXX Last Reported/Balance Updated : XX/XX/XXXX I am requesting that you conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Please provide verification that this account is being reported accurately, including : A copy of the original signed agreement or contract creating this debt. Documentation showing that National Recovery Agency has the legal authority to collect and report this debt. Proof that the reported balance of {$710.00} is accurate. Documentation verifying that this account belongs to me.…

The collection agency received my formal validation request on XX/XX/year> via XXXX Mail. They have not provided any legal verification for this medical debt of {$1000.00}. Furthermore, I live in New Mexico and receive state public assistance. Under the New Mexico Patients ' Debt Collection Protection Act it is illegal to collect or report medical debt against low-income patients receiving state aid. Despite this, the credit bureaus " verified '' the account. Since the debt is unverified and illegal under New Mexico law, I request its immediate removal from my credit report.

XX/XX/XXXX I received a collection email Account Number : XXXX As of XX/XX/XXXX, you owed : {$720.00} Between XX/XX/XXXX and today. This is what I wrote to National Recovery Agency RE : Account Number XXXX / Alleged Debt of {$720.00} To whom it may concern, I am writing in response to a collection notice I recently received regarding the above-referenced account number, which is allegedly associated with a XX/XX/XXXXaccount XXXX I do not recognize this debt. I also note that the collection notice I received does not include my full last name, which raises further concerns about whether this account is accurately associated with my identity. Therefore, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting debt validation. Please provide the following : XXXX. Proof that XXXX XXXX XXXX legally owns this debt and that the National Recovery Agency is authorized to collect it. XXXX.…

I received a text from the NRA Group approximately 2 months ago. I replied stop to opt out like the text instructed. I received a text about every 2 weeks since then. Today I called to dispute the amount and ask why I was still getting messages. The representative responded that it was the robot. I said I didnt care about any robot and it was my understanding that if I asked for them to stop that they were supposed to stop. I was subsequently hung up on. I called back and asked to speak to a supervisor. The supervisor had no information about the debt except the company and amount. They said they didnt have an itemized bill but could request one from the company.

I am under XXXX XXXX bankruptcy and XXXX is refusing to abide by XXXX XXXX bankruptcy laws. The collection agency is also breaking bankruptcy laws by not abiding or following laws. I do have an automatic stay but the Collection agency is now trying to call me and harass me for the debt and already hurt my credit score. I will pursue a lawsuit with the collection agency and XXXX for not following the law if they do not remove this from my credit report.

National Recovery Agency is reporting a collection account for approximately {$3100.00} that they claim originated from XXXX XXXX. I do not recognize this account and do not believe I owe this debt. After discovering the collection on my credit reports, I disputed the account with the credit reporting agencies. XXXX completed its investigation and stated that the account was verified as accurate. However, I have not been provided documentation demonstrating that I opened a XXXX XXXX account or that I am legally responsible for this debt. This collection is negatively affecting my credit. I am requesting that the company provide documentation establishing that I am responsible for the account, including the application or agreement, account history, purchase information, and documentation supporting the amount being reported. If the information being reported is inaccurate or can not be substantiated, it should not continue to appear on my credit reports.

I went to the emergency from a few years ago and I had health insurance. I required an additional scan while I was in there. It was not a referral. It was to the emergency services. The independent XXXX tried to bill me versus my insurance which they knew to bill my insurance. They did reach out. They were told to get the information from the hospital they refused so I didnt know if they were trying to double dip. Every so often they would reach out and they were told the same thing go to the hospital that they are contracted by to get the insurance information. I will not be paying because I had no idea what happened. Turns out they sold it to a collections company which tanked my credit score 30 points even though all they had to do was just go to the hospital and get the correct information. I did dispute but damage is done. Also the collections company stated an insurance company based in Florida partially paid for the scan which was not my insurance.…

Im writing to file a complaint against National Recovery Agency for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

National Recovery Agency ( NRA ) is in direct violation of both the FCRA and the FDCPA by knowingly furnishing completely fraudulent, inaccurate credit data while openly admitting they do not possess verification of the debt. NRA is reporting a collection balance of {$4500.00} for a purported debt originating from XXXX XXXX XXXX. Following my disputes submitted through the credit bureaus, NRA mailed a letter stalling the process and demanding that I provide them with copies of consumer identification and statements. Under the FDCPA, the burden of validation rests entirely on the collector. By demanding these documents from me rather than verifying the debt with the original creditor, NRA has explicitly admitted that they do not possess the primary-source media or evidence required to legally substantiate or report this debt.…

The service was on XXXX the XXXX of XXXX. The bill is from XXXX XXXX XXXX XXXX as a doctor bill. While I was in the hospital I completed all documents for charity care I was 100 % approved. They obviously submitted it to charity care to begin with which put me at a XXXX balance. They just sold it to this National Recovery systems in XXXX and they put it on my credit report this many years later. I had no idea that they had sold it because to my knowledge it was written off years ago under charity care. I have disputed it twice with the credit bureau submitting my charity care letter submitting the XXXX balance that they show on the statement because it does say sent to collections on their statement even though they lied and said that they never sent it to collections. So I have done everything on my end to get this taken care of and no one 's helping me they say they never sent it to collections but they did and XXXX refuses to take it off my credit report.

I am disputing this medical account with National Recovery Agency because the balance is completely unverified and inflated. As an uninsured patient at the time, I am entitled to a transparent, itemized breakdown of the actual cost of services rendered to verify there are no billing errors, double-billing, or un-coded charges. National Recovery Agency verified this instantly on my credit report without providing me any such accounting. Furthermore, as a third-party debt collector, they can not possess my private medical charts to prove these specific services without violating federal HIPAA privacy boundaries. I request they either provide a full, itemized, audited accounting statement or delete this collection entirely.

To Whom It May Concern : I formally dispute the alleged debt your agency claims I owe, originally purportedly owed to XXXX XXXX ( circa XXXX ). This letter constitutes my written notice under 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. I do not acknowledge liability for this debt and demand full validation before any further collection activity. I. DEBT VALIDATION DEMAND Pursuant to 15 U.S.C. 1692g ( b ), cease all collection activity until you provide : Complete itemized account statement ( principal, fees, interest ) and how the balance was calculated ; Signed agreement/contract bearing my signature obligating me to this debt ; Date of first delinquency on the original account ; Complete chain of ownership from XXXX XXXX to your agency ; Proof your agency is licensed to collect debts in my state ( license number and issuing authority ) ; Confirmation the statute of limitations for collection…

I am writing regarding the account being reported by NATIONAL RECOVERY AGENCY, which reflects inconsistent and inaccurate information across the three major credit bureaus. Specifically, the reported date opened, account number, payment history, balance, term length, and charge-off status are not consistent, which constitutes inaccurate reporting under 15 U.S.C. 1681e ( b ). Furthermore, pursuant to 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1692g, NATIONAL RECOVERY AGENCY, has failed to provide proper validation of this alleged debt. To date, they have not produced.

Requesting the deletion per the policy of XXXX XXXX XXXX XXXX credit bureaus that all paid medical debts will be deleted from all credit bureau reports. I am respectfully requesting the immediate deletion of the two paid collections account from National Recovery Agency that is on my XXXX XXXX XXXX XXXX credit bureaus to be deleted immediately. Please see the attached deletion letter that the collection agency of record, National Recovery Agency provided to me confirming their intent to request the deletion of these two paid medical debt accounts from all 3 credit bureaus.

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NTL Recovery Agency for committing identity theft. I have never given NTL Recovery Agency any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation therefor NTL Recovery Agency committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> NTL Recovery Agency XXXX XXXX XXXX XXXX PA XXXX Subject : Cease and Desist Communication Under the FDCPA To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and demanding that you immediately cease and desist all communication with me regarding the alleged debt referenced in your records. You are hereby instructed to stop all telephone calls, text messages, emails, letters, and any other form of communication to me, my family members, my employer, or any third parties concerning this matter. Be advised that : * I refuse to discuss this alleged debt with your company. * Any further contact after receipt of this notice may constitute a violation of the FDCPA. * You may only contact me for the following legally permitted reasons : 1. To advise that collection efforts are being terminated ; 2.…

am filing a complaint against XXXX XXXX XXXX regarding an alleged debt they are reporting and attempting to collect. * Creditor/Collector : XXXX XXXX XXXX XXXX XXXX Amount : {$5600.00} * Date Opened/Reported : XX/XX/XXXX I dispute the validity of this alleged debt. I have not been provided proper verification or documentation proving that this debt is accurate, that I owe this amount, or that XXXX XXXX XXXX has the legal right to collect it. Despite this, the account is being reported and/or collected, which is negatively affecting my credit. I am requesting that : The debt be fully validated with proper documentation. I am also disputing multiple additional collection accounts that are being reported on my credit file. These accounts appear inaccurate, unverified, and/or duplicative, and I have not received proper documentation validating these debts.…

I am filing this complaint against NATIONAL RECOVERY AGENCY, located at XXXX XXXX XXXX, XXXX, PA XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$2400.00} originally owed to XXXX XXXX, Account XXXX. xxxxxx XXXX, on my consumer credit reports with Experian, Equifax, and/or TransUnion. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XXXX/2026, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C.…

I am filing this complaint against NATIONAL RECOVERY AGENCY, located at XXXX XXXX XXXX, XXXX, PA XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$570.00} originally owed to FIRST ENERGY THE XXXX, Account No. xxxxxx XXXX, on my consumer credit reports with XXXX, XXXX, and/or XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( XXXX ) cease all collection activity ; ( XXXX ) provide full written validation of the alleged debt; and ( XXXX ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION XXXX REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C.…

National recovery took over this debt. This debt was opened on our about at the end XXXX to XXXX then national recovery Collections Im assuming bought the debt out and they are reporting it on all XXXX credit bureaus and none of the information matches. I have also asked national recovery collection agencies for proof of when this account was opened and this has been going on for over XXXX weeks. They do not want to send me any information and it keeps bringing my credit score down. I do feel that this is unfair and rather than communicating with me. They just keep taking points off of my credit. This is a very old account.

I am filing a formal complaint against NRA Group LLC for violating the FDCPA and FCRA regarding ID XXXX ( Original Creditor : XXXX XXXX XXXX, Account XXXX ). This alleged medical debt stems from a routine service on XX/XX/XXXX that is completely invalid due to a documented provider coding error. XXXX XXXX XXXX failed to code the claim to reflect my family history of XXXX XXXX, causing XXXX XXXX insurance to process it incorrectly. The hospital previously confirmed they would correct and resubmit the claim, but instead, it was sold/transferred to collections. NRA Group LLC began reporting this item to my credit report without ever delivering a valid, written 30-day validation notice, claiming instead that they sent a text message on XX/XX/XXXX. Furthermore, they have entirely ignored my formal dispute rights. I sent comprehensive written disputes to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.…

I previously made direct contact with the collections requesting information about the accounts. During that communication, I was not provided with any meaningful documentation, itemization, or verification of the alleged debt. Instead, I was given insufficient or incomplete information that does not allow me to determine the validity of this account. NTL RECOVERY AGENCY Opened XXXX XXXX XXXX {$2300.00}

XXXX, around XXXX XXXX. to delete messages from an old email account. I never use it anymore but go through it every so often to see if I have neglected to exchange my new email with others important to my livelihood. A message comes up from National Recovery Agency, XXXX XXXX XXXX, XXXX, PA XXXX, Toll Free : XXXX. Statement Date of XX/XX/year>. Referred to the account being unpaid and the 30 days have passed since our initial letter was sent to me. ( I never received such a letter ). Their client has authorized them to accept a lump sum discount. Current Creditor : XXXX XXXX XXXX, XXXX. XXXX XXXX : XXXX XXXX XXXX, XXXX. Creditor Reference : # XXXX. Date XXXX. Current balance {$940.00}, Discount % 20, Settlement Amount : {$750.00}. I have no clue as to what this is about, so I start investigating. I was seen in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX, La. XXXX on that day.…

I initiated disputes in XXXXXXXX XXXX XXXX to all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX regarding an unverified medical debt of {$1500.00} ( Account # XXXX ) originating from XXXX XXXX XXXX XXXX regarding a minor child. The bureaus verified this data in some cases in as little as a few daysproving a complete lack of a reasonable investigation by both the bureaus and the collector. Because of this, I escalated the matter to the CFPB. I am explicitly including and referencing my initial CFPB complaint, Case # XXXX, as part of this filing. In their formal response to that first complaint, XXXX Compliance Agent XXXX XXXX explicitly stated that the agency " validated '' the debt by sending a validation notice via text message on XX/XX/year>, to the telephone number provided in my CFPB profile. Given XXXX XXXX 's written admission, the resulting HIPAA violation against a minor child is the most egregious form of predatory, deceptive, and continued credit defamation.…

NRA refuses to remove the negative collection account on my credit reports with XXXX even though I never received any initial communication, certified validation notice, itemized statement, or signed contractual agreement documentation establishing the existence or legitimacy of the alleged debt. Under Regulation F, a debt collector is prohibited from furnishing information to a credit bureau before providing the consumer with a written validation notice. NRA did not provide any such notice. NRA have lawsuits for illegal practices : Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

They email me about a dispute i sent in, the company then tried to ask me to send in personal information, whenever they asked for that information i replied and asked for the information such as the account number, the original creditor, and i also asked for a signed contract between me and their collection agency.