Consumer complaint received 2022-03-15
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I HAVE ASKED MULTIPLE TIMES FOR THIS DEBT TO BE VERIFIED WITH NOT JUST AN ITEMIZED BILL BECAUSE THAT STILL DOES NOT VALIDATE THAT I OWE THIS DEBT. WHERE IS MY SIGNATURE STATING I AGREED TO PAY THIS DEBT OR OWE TO THE COMPANY YOU OBTAINED THIS DEBT FROM. WHERE IS MY XXXX AUTHORIZATION. YOU HAVE VIOLATED MANY OF MY CONSUMER RIGHTS SUCH AS 15 USC 1692F ; UNFAIR PRACTICES ATTEMPTING TO COLLECT AN ALLEGED DEBT. 15 USC 1692F ( 1 ) ; ATTEMPTING TO COLLECT A DEBT UNAUTHORIZED BY AN AGREEMENT BETWEEN PARTIES. 15 USC 1692g ( a ) ( 4 ) CERTIFIABLE VALIDATION AND VERIFICATION OF ALLEGED DEBT. 


Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( XXXX ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any XXXX authorization. 

DELETE THIS ITEM FROM ALL MY CONSUMER REPORTS DUE TO NOT FULLU VALIDATING THIS DEBT WITH ALL REQUESTED DOCUMENTS TO PROVE I OWE SUCH DEBT. BY NOT DELETING THIS ITEM YOU ARE STATING YOU HAVE INACCURATELY REPORTED WORNG INFORMATION ON MY CONSUMER REPORTS THAT TARNISHED MY REPUTATION AND DAMAGED MY CHARACTER AND LIVELIHOOD. THIS MATTER CAN BE TAKE INTO CIVIL COURT FOR WILLFUL NON-COMPLIANCE. 

1692 ( a ) - Consumer has a right to privacy. Notice, it is a fact, I, the consumer is a and have the right to privacy in accordance with 15 U.S.Code 1692 ( a ). 
15 U.S.Code 1692a ( 4 ) - creditor, [ Proves Consumer as the original creditor ] as the consumer answers the question who created the debt? Creditor means ANY person who offers or extends credit, creating a debt or to whom a debt is owed. Also excludes alleged creditors because it does not include any person who receives an assignment. Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt.

I extended the credit which makes me the original creditor in fact.

15 U.S.Code 1692b ( 2 ) - - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication. Notice, it is a fact, I, the consumer was told, I owed an alleged debt proven by documents attached. This is a violation of 15 U.S.Code 1692b ( 2 ). 15 U.S.Code 1692c ( a ) - - needs prior consent from either the court or the consumer before communication with the collection of any debt. Did I or a court give you permission? Notice, it is a fact, consumer did not give prior consent to communication to the debt collector, NATIONAL RECOVERY AGENCY and the consumer alleges there was no prior consent from a court giving permission to contact I, the consumer in collection of any debts and thus this communication would be NATIONAL RECEVERY AGENCY is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth.

15 U.S.Code 1692c ( c ) - Notice, it is a fact, affiant is the consumer, in fact and I, the consumer am legally refusing to pay this debt. I am demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until you can provide me with the requested information. 
15 U.S.Code 1692d ( 2 ) - any language I deem obscene can be a violation per word. 
Words that are obscene language to me is obscene to me. I have been falsely accused and this is obscene to me. Notice, it is a fact, affiant is aware and has proof in Exhibit ( -- ) of NATIONAL RECOVERY AGENCY stating statement " THIS IS AN ATTEMPT TO COLLECT A DEBT '' which is language that is obscene to me causing me mental anguish and anxiety. This is a violation of 15 U.S.Code 1692d ( 2 ).

15 U.S.Code 1692d- Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from 1692d. Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages. Notice, it is a fact, affiant is aware, credit is a right granted to me as a creditor under the Truth in Lending Act and NATIONAL RECEOVERY AGENC Y does not have right to oppress or abuse any part of my character which would restrict or prohibit my right to extend credit. NATIONAL RECOVERY AGENCY has oppressed my right to extend credit which is a violation of 15 U.S.Code 1692d.

15 U.S.Code 1692e ( 2 ) - - false character, amount, or legal status of any debt. - AKA if your amount is shown in the positive it is a false and misrepresentation. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? Notice, it is a fact, consumer is aware, the false character of the amount of any debt is a violation of 15 U.S.Code {$160.00} 2e ( 2 ) ( A ). Consumer has proof of this violation as NATIONAL RECOVERY AGENCY allege I, the consumer, owes a debt but the alleged debt is shown in the positive amount, as seen in documents uploaded. 
15 U.S.Code 1692e ( 12 ) - Notice, it is a fact, consumer has reason to be believe and do so believes, NATIONAL RECOVERY AGENCY in accordance to 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 ).

15 U.S.Code 1692f ( 8 ) - No symbols are allowed within or outside other than the company 's own name in the attempt to collect any debt. Notice it is a fact, affiant is aware and has proof in documents uploaded of NATIONAL RECOEVERY AGENCY being in violation of 15 U.S.Code 1692f ( 8 ) as there can be no symbols on the outside or inside the mails in the attempt of collection of any debts.

15 U.S.Code 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. I, the consumer, have sent a notice of dispute on the validity of this alleged debt to NATIONAL RECOVERY AGENCY. During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. Consumer has proof in this debt collector not only did not remove the account, NATIONAL RECOVERY AGENCY did not report a notice of dispute. This is a direct violation of 15 U.S.Code 1692g ( b ). 

DELETE ASAP!!!

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