Consumer complaint received 2021-10-15
Company: NRA Group, LLC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX am submitting this complaint on my own XXXX XXXX & National Recovery Agent Notice to all, I am the consumer in fact, natural person, original creditor, lender, Executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name XXXX XXXXConsumer , and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Debt Collection Practice Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact The Fair Debt Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; National Recovery Agen & a collection XXXX XXXX has violated my rights under HIPPA and brought my medical information XXXX This is clearly violates my rights according to HIPPA. I Demand this be deleted immediately from my credit report. The following violations have been committed 15 USC 1692e ( 8 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Both of the Collection companies have communicated to my credit report. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. They have harmed my reputation and the physical person by reporting information to the credit bureaus stopping me from receiving services or goods.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation