Consumer complaint received 2023-08-06
Company: NRA Group, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NTL Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Letter Account Number : XXXX Dear Sir/Madam, I am writing this letter in response to your recent communication regarding an alleged debt associated with account number XXXX. I must assert that I dispute the validity of this debt and demand that you immediately cease all collection attempts on the alleged account. 
As per the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights under the law to request that you provide proper validation of this debt. Until such validation is provided, all collection activities must cease, and no further contact should be made with me or any third parties regarding this matter.

Under the FDCPA, you are required to provide me with the following information to validate the alleged debt : The amount of the debt claimed, The name of the original creditor, A statement confirming that you are authorized to collect on this alleged debt, The complete payment history of the alleged debt, including details of all charges and interest added, A copy of any written agreement or contract bearing my signature, binding me to this alleged debt, Proof that you are licensed to collect debts in the state of Indiana, where I reside, A complete breakdown of how the total amount claimed was calculated, Proof of your ownership of the alleged debt, including the chain of title from the original creditor to NTL Recovery Agency, The date the alleged debt was incurred, and Any other documentation that supports your claim of the alleged debt.

I am aware that NTL Recovery Agency does not have a license to collect debts in the state of Indiana, and your attempts to collect a debt without the appropriate license are a violation of state law. According to the FDCPA, it is unlawful for debt collectors to engage in any deceptive, unfair, or abusive practices in connection with the collection of a debt.

If you are unable to provide the requested validation within 30 days from the date of your receipt of this letter, I demand that you immediately cease all collection activities related to this alleged debt. Furthermore, I insist that you delete any negative reporting associated with this alleged debt from my credit reports.

Failure to comply with this request will be considered a willful violation of the FDCPA, and I will not hesitate to take appropriate legal action to protect my rights.

Please be advised that I am keeping detailed records of all communications, and any further contact made in violation of the FDCPA will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General of Pennsylvania.

Your prompt attention to this matter is expected. I request that you respond to this letter within 30 days from the date of receipt. Failure to do so will be considered a refusal to validate the debt, and I will proceed accordingly to protect my rights.

Thank you for your immediate attention to this matter.

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