Consumer complaint received 2024-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (NY)

Subject : Request for Proper Debt Validation, Identification Documentation, and Credit Report Update Dear XXXX XXXX, I am in receipt of your response to my complaint through the CFPB and have several concerns regarding NRA Group , LLC. 's handling of this matter. While I appreciate your attempt to address the issues raised, there remain significant legal deficiencies in how this debt has been managed. Below are the key points that must be addressed, along with references to relevant laws that may have been violated : 1. Failure to Provide Proper Validation of Debt Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector is required to provide proper validation of the debt upon request. The itemized bill you provided is insufficient to verify that I am the owner of this debt. Therefore, I am formally requesting a copy of the original signed agreement, along with any forms of identification ( e.g., drivers license, Social Security number ) provided to the original creditor. Without these documents, your attempts to collect this debt may be in violation of the FDCPA. 
2. Failure to Notify of Charge-Off If this debt was charged off by the original creditor, I was not properly informed as required by law. The Truth in Lending Act ( TILA ), 15 U.S.C. 1666a, stipulates that creditors must notify consumers of charge-offs before reporting them to credit reporting agencies. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), further enforces that creditors must accurately report information to credit bureaus. If the original creditor failed to inform me of the charge-off, both the TILA and the FCRA have been violated. 
3. Failure to Send Validation Notice to Correct Address The FDCPA, 15 U.S.C. 1692g ( a ), requires that a debt collector send a written validation notice to the consumers last known address within five days of the initial communication. Your failure to ensure that I received the notice, especially after receiving a returned mail response, does not absolve NRA Group , LLC. of responsibility. Your reliance on incorrect or outdated contact information without further attempts to verify may also constitute a violation of the FDCPA. 
4. Original Creditors Obligation to Maintain Accurate Information If this debt were mine, the original creditor would have had updated and accurate information about my address and contact details. Creditors are obligated under various laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), to maintain accurate records and report truthful information. The fact that you were attempting to contact me using incorrect or outdated information suggests that the original creditor either failed to keep their records current or that this debt may not actually be mine. 
5. Replying " STOP '' to a Text Message Does Not Confirm Ownership or Correctness of Contact Information You mentioned that a text message was sent to the phone number on file and that a STOP response was received. However, simply receiving a " STOP '' reply does not confirm that the number was correct or that I am the owner of the phone number. Under the FDCPA, 15 U.S.C. 1692c, debt collectors must ensure they are communicating with the correct individual. A STOP message does not confirm my identity or validate the accuracy of your contact information. Further attempts to use that as a basis for assuming contact with me may be in violation of the FDCPA. 
6. Collection Communication After " STOP '' Notice The FDCPA, 15 U.S.C. 1692c ( c ), prohibits communication with a consumer once a STOP notice has been sent. You acknowledge receiving my STOP text response but continued your communication efforts. Any attempts to collect the debt beyond this point should have been in writing and for the limited purposes permitted under the law, such as providing notice of legal action or updating the status of the debt. Sending a text message after receiving the STOP request may have violated this section. 
7. Failure to Update My Credit Report to Reflect " Disputed by Consumer '' Status The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), requires that once a debt is disputed, the debt collector must inform the credit reporting agencies that the account is disputed. To date, my credit report has not been updated to reflect the dispute, which is a violation of the FCRA. NRA Group , LLC. has a legal obligation to notify the credit bureaus that the debt is disputed as soon as they are aware of the dispute, regardless of whether the debt has been verified or not. Failure to do so can result in inaccurate reporting, which violates my rights under the FCRA. 
Sincerely, XXXX