Consumer complaint received 2023-04-07
Company: NRA Group, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I AM A FEDERALLY PROTECTED CONSUMER I am making this complaint against NLT RECOVERY AGENCY ACCT # XXXX. I reject your offer to contract I DID NOT NOR DO I CONSENT to any NON-AFFILIATED THIRD PARTY ( NLT RECOVERY AGENCY ACCT # XXXX ) to be in possession of my Non-public Personal Information. THIS IS A VIOLATION OF THE GRAMM-LEECH-BLILEY ACT and the FAIR TRADE COMMISION THE ( FTC ) CONSIDERS a CONSUMER 'S PRIVACY PROTECTION VERY CRITICAL. I never gave my permission ( TO NTL RECOVERY AGENCY ACCT # XXXX ) USE OF ANY of my Identifying information to commit fraud by putting this FALSE, ALLEDGED AND VERY DAMAGING DEBT on my consumer report. This is a notice to CEASE AND DESIST ALL illegal activity and communications with me and the furnishing of this false credit information on my consumer report which is considered communication and illegal activity. I AM NOT REQUESTING validation of any alleged debt as obtaining as Non Public Personal Information but without my lawful, legal authority THIS constitutes Aggravated Identity Theft 18 USC 1028A. By reporting this on my consumer report this alleged debt SOLD BY XXXX XXXX XXXX XXXX XXXX OF MY NON-PUBLIC PERSONAL INFORMATION TO YOUR THIRD PARTY DEBT COLLECTION COMPANY ( NLT RECOVERY AGENCY # XXXX ). I now have reason to believe that you are ALL conspiring against me trying to collect on a EXTENSION OF CREDIT through unlawful extortionate means. There is NO TRILATERAL CONTRACT BETWEEN US ( NLT RECOVERY AGENCY ACCT # XXXX ) THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU ( NLT RECOVERY AGENCY ). THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FAIR TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. YOU ARE IN VIOLATION OF THE FAIR TRADE COMMISION ACT WHICH STATES " Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. AND BY NLT RECOVERY AGENCY REPORTINGTHIS FALSE ALLEDGED DEBT ON MY CONSUMER REPORT. I WAS DENIED A EXTENSION OF CREDIT FOR HAVING A COLLECTION ACCOUNT ON MY CONSUMER REPORT NOW DUE TO YOUR FALSE CLAIM NLT RECOVERY AGENCY YOU ARE RESPONSIBLE AND YOU PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH IS MY FEDERAL RIGHT WHICH NOW ALSO PUTS YOU IN VIOLATION OF THE FAIR TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK JUSTICE, AND DEMAND, ALL MY FEDERAL RIGHTS BE PROTECTED, AND RESPECTED, AND ENFORCED. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, REPUTATION, or property of any person. BY " NLT RECOVERY AGENCY '' FURNISHING THIS ALLEDGED DEBT ON MY CONSUMER REPORT YOU ARE HURTING AND DAMAGING MY REPUTATION. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH NLT RECOVERY AGENCY NOR DO I DESIRE TO. IMMEDIATELY DELETE THE FALSE ALLEDGED DEBT ON MY CONSUMER REPORT. BE ADVISED UNDER 15 USC 1692K I AM TO BE AWARDED {$1000.00} PER VIOLATION FINDINGS AND I AM POINTING OUT A FOUND FDCPA VIOLATION RIGHT NOW. I DEMAND MY DUE DAMAGES BASED ON 15 USC 1692K CIVIL LIABILITY. I DEMAND TO BE MAILED MY {$1000.00} COMPENSATION TO MY MAILING ADDRESS XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX. BE ADVISED I AM AWARDED THIS DUE TO YOUR FDCPA VIOLATION. DELETE THIS ALLEDGED DEBT FROM OFF MY CONSUMER REPORT IMMEDIATELY. MY FEDERAL CONSUMER PROTECTION RIGHTS ARE ESTABLISHED BY THE F.T.C AND F.D.C.P.A AND FEDERAL LAW SUPERCEDES AN ALLEDGED DEBT BY A THIRD PARTY DEBT COLLECTOR DELETE THIS ALLEDGED DEBT NOW. AND SEND MY CIVIL AWARD COMPENSATION WHICH I AM DUE IMMEDIATELY DUE TO YOUR FDCPA VIOLATION OF 15 USC 1692D.

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