Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Recovery Solutions, LLC (CA)

To Whom It May Concern, I am writing to file a formal complaint against National Recovery Solutions LLC, located at XXXX XXXX XXXX, XXXX, NY XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer protection laws. National Recovery Solutions LLC has blatantly disregarded my legal rights and has failed to comply with federal regulations in its ongoing attempts to collect an alleged debt, despite repeated requests for validation and proof of authorization. 

This company continues to unlawfully report negative information on my consumer report, despite my lack of any prior business relationship with them and without my express consent. In my previous correspondence, dated XX/XX/2024, I demanded validation of this alleged debt, including the production of the Purchase Agreement that supposedly authorizes them to collect any debt from me. National Recovery Solutions LLC has failed to provide any legitimate documentation or proof of their right to pursue this debt. As such, their actions constitute clear violations of federal law, and this is now a pre-warning before I file an FDCPA lawsuit. 

Violations Committed by National Recovery Solutions LLC : 1. Violation of 15 U.S.C. 1681b Permissible Purpose of Consumer Reports : - National Recovery Solutions LLC does not have my written consent to report anything on my consumer report, yet they continue to report false and damaging information. This constitutes a gross violation of my privacy and federal law, as I have never conducted business with them nor authorized any sharing of my personal information. 

2. Violation of 15 U.S.C. 1692g Failure to Validate Debt : - Despite my clear request for debt validation, they have failed to provide proof that this alleged debt is valid, nor have they furnished the required documentation to show any legal grounds for collection efforts.

3. Violation of 15 U.S.C. 1681s-2 Furnishers Responsibility to Report Accurate Information : - National Recovery Solutions LLC is actively furnishing false and harmful information to consumer reporting agencies, which has significantly damaged my credit standing and reputation with lenders.

4. Violation of 15 U.S.C. 1692j Furnishing Deceptive Forms : - By continuing to report unverified and illegitimate debt, National Recovery Solutions is using deceptive tactics to damage my credit standing without legal basis.

5. Violation of 15 U.S.C. 1692f Unfair and Unconscionable Practices : - The continued attempts to collect this alleged debt without proper authorization or validation are an unfair practice. Additionally, the company has reported unauthorized information without any legal justification. 

6. Violation of 15 U.S.C. 1692e False and Misleading Representations : - National Recovery Solutions has engaged in false reporting by claiming I owe an alleged debt with no supporting evidence. This has resulted in misleading representations to the credit bureaus, leading to irreparable harm to my financial reputation.

7. Violation of 15 U.S.C. 1692c ( b ) Disclosing Alleged Debt to Unauthorized Third Parties : - The debt collector has unlawfully disclosed the existence of this alleged debt to consumer reporting agencies without my consent, further violating my rights under the FDCPA.

8. Violation of 47 U.S.C. 227 Telephone Consumer Protection Act ( TCPA ) : - The continued harassment and communications from National Recovery Solutions LLC, without my consent and in violation of the TCPA, further exacerbate the severity of their unlawful actions. 

9. Violation of 15 U.S.C. 1681c Requirements Relating to Information Contained in Consumer Reports : - The company is reporting inaccurate and damaging information, which does not comply with federal requirements relating to the contents of consumer reports.

10. Violation of 15 U.S.C. 1611 Criminal Liability for Willful and Knowing Violations : - National Recovery Solutions willful and knowing violations of these laws may subject them to criminal liability under federal statutes. 

11. Violation of 15 U.S.C. 1692c ( c ) Failure to Cease Communications : - Despite repeated disputes and requests to cease communications, this company continues to unlawfully engage in collection efforts. 

Requested Resolution and Compensation : Immediate Deletion of the Unverifiable Account from My Consumer Report : I demand that National Recovery Solutions LLC immediately delete all negative and unverified information from my consumer report with all major credit bureaus ( XXXX, XXXX, and XXXX ). This account is unverifiable, and the company has not provided proper validation of the alleged debt. 

Cease and Desist from All Collection Activities : National Recovery Solutions LLC must cease and desist all collection efforts and stop any further reporting of this alleged debt to the credit bureaus. They have no legal basis to continue collection attempts or negatively impact my credit with false information.

Compensation for Violations : Pursuant to 15 U.S.C. 1692k, I am entitled to {$1000.00} per violation of the FDCPA and FCRA. I demand compensation for each of the following violations : Failure to validate the alleged debt. 
Unauthorized reporting of negative information on my consumer report. 

False and misleading representations. 
Disclosure of my personal information without consent. 

Violations of my rights under the Telephone Consumer Protection Act ( TCPA ).

Unfair collection practices and deceptive forms.

Given the ongoing violations, the total compensation I am seeking continues to accumulate, and National Recovery Solutions LLC will be held civilly liable for each confirmed violation.

If these issues are not resolved immediately, I will file a lawsuit for damages under the FDCPA and FCRA, as well as report these violations to the Federal Trade Commission ( FTC ) and other regulatory bodies.

Legal Action and Consequences : If National Recovery Solutions LLC does not comply with these demands within 15 days, I will initiate legal proceedings to hold them accountable for their unlawful actions. This includes filing a lawsuit for all violations listed above and seeking damages for the harm caused to my credit and reputation. Additionally, I reserve the right to pursue criminal liability for willful and knowing violations under 15 U.S.C. 1611. 



Additionally, I reserve the right to report their unlawful conduct to all relevant regulatory bodies, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

I trust that the CFPB will take appropriate action in addressing these serious violations of federal law. National Recovery Solutions LLC must be held accountable for their flagrant disregard of consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX