Consumer complaint received 2023-01-16
Company: NRA Group, LLC
State: NY
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:
The company National Recovery Agency have reported an alleged debt to my consumer report during covid XXXX without my written consent. I have no knowledge of this account. They have no written consent to possess my non-public private personal information and I also have no contract with National Recovery Agency because they are a third party non- affiliated company. I have requested validation and all original billing history of the alleged debt along with forms authorized by me to even work with them. I have also demanded they cease and desist all collection of said debt if they couldnt provide such documentation, and I was ignored.

15 USC 6809- ( 5 ) Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution. 

They have also violated ALL but in particular, ( since this account is reporting as a charge off ) XXXX CRR-NY XXXX b ) A debt collector must provide the consumer written substantiation of a charged-off debt within 60 days of receiving a request for substantiation of the debt and must cease collection of the debt until written substantiation has been provided to the consumer. A debt collector must substantiate a charged-off debt pursuant to this section only once during the period that the debt collector owns or has the right to collect the debt. 


They have used my non -public personal information and furnished it to the consumer reporting agencies ( XXXX and XXXX ) who have furnished it on my consumer report under on an unknown account damaging my credit worthiness, my character and my mode of living. Regardless if I am a XXXX consumer I have the same rights as anyone else. This has caused me to seek more XXXX XXXX because It has caused me XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX. I have records of all the reports from the consumer reporting agencies and ALL my medical records. I will seek monetary damages for physical and the mental damage that these companies have caused me. 

This collection company, XXXX National Recovery Agency ) does not even operate their business in the same state as my abode. According to XXXX they are not to state I OWE ANY DEBT.. According to : 15 USC 1692b-Acquisition of location information ( 2 ) NOT state that such consumer owes any debt.

( n ) State.

The term State means any State, the XXXX of XXXX XXXX, the XXXX XXXX XXXX, and any territory or possession of the United States. 

I have never given this collection company any written consent or permission verbally, via email nor through any tele-communications to furnish my data or possess it.

15 USC 1692c- Communication in connection with debt collection ( 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 This is a violation of 18 USC 1028 A- ( A ) ( 1 ) AGGRAVATED IDENTITY THEFT In general : whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

This agency has compiled deceptive forms using my non-public personal information slandering my character for their financial gain and I dont even know who these people are. Then when I requested documentation I was ignored. National Recovery Agency is operating unethically.

15 USC 1692j- Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 1692k- Civil liability ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}

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