Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: IA

Complaint narrative:
Dear NATIONAL RECOVERY I have composed this complaint based on NATIONAL RECOVERY furnishing information that is tarnishing my creditworthiness, emphasizing the necessity for both parties to operate in good faith. I have operated in good faith and will continue to do so. I expect NATIONAL RECOVERY to demonstrate the same courtesy. Im going to take the time to educate NATIONAL RECOVERY on consumer laws since NATIONAL RECOVERY is causing me direct harm as well as violating federal laws. According to 15 USC 1681a ( f ), the term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Did you catch the part about engaging in whole or in part? I sure did. By the federal definition I have kindly provided, NATIONAL RECOVERY is a consumer reporting agency furnishing my consumer information to third parties, including TransUnion, XXXX XXXX XXXX, which are also consumer reporting agencies. XXXX XXXX XXXX XXXX are third parties due to the simple fact that they are separate entities from I the consumer and.NATIONAL RECOVERY. Furthermore, since NATIONAL RECOVERY is federally categorized as a credit reporting agency under 15 USC 1681a ( f ), my written instructions as the consumer must be followed without further delay. The written instructions of the consumer trump all forms of permissible purpose. Let me reiterate, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving clear instructions to NATIONAL RECOVERY to update its tradeline to paid as agreed never late on my consumer report. Furthermore, now that I have educated NATIONAL RECOVERY on its proper legal role as a consumer reporting agency under 15 USC 1681i ( a ) ( 1 ) ( a ), NATIONAL RECOVERY has to launch an investigation into my dispute and disclose the results of the investigation no later than 30 days from receipt of this complaint. Failure to launch an investigation and follow my written instruction will be willful non-compliance under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), and under this provision, I am entitled to {$1000.00} per violation. Needless to say, NATIONAL RECOVERY has racked up quite a few violations. I expect my written instructions to be followed immediately! I am fed up with NATIONAL RECOVERY actions that are directly affecting my reputation and creditworthiness. Let me remind NATIONAL RECOVERY that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith. To reiterate my demands regarding the handling of my consumer report, it is imperative that both parties operate in good faith and adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). As per my rights under 15 USC 1681b ( a ) ( 2 ), I am directing NATIONAL RECOVERY to promptly update its tradeline to paid as agreed never late on my consumer report. This action is non-negotiable and must be completed within 30 days. Furthermore, under 15 USC 1681i ( a ) ( 1 ) ( a ), NATIONAL RECOVERY is obligated to launch an investigation into my dispute and provide the results within 30 days of receipt. Failure to comply with this requirement will result in legal action and civil penalties.

Fair resolution : To avoid such consequences, I propose the following fair resolution : 1. NATIONAL RECOVERY must update its tradeline to paid as agreed never late on my consumer report immediately and provide confirmation of this action within 30 days. 2.NATIONAL RECOVERY must launch an investigation into my dispute as mandated by law and provide the results within the stipulated 30-day period. 3. NATIONAL RECOVERY must cease all debt collection activities with prejudice. As part of a fair resolution, I recommend that employees of NATIONAL RECOVERY be trained on consumer laws, including but not limited to 15 U.S.C. 1681a ( f ), 15 USC 1681b ( a ) ( 2 ), 18 USC 1028 ( 7 ), and 15 USC 1681n. I trust that NATIONAL RECOVERY will prioritize this matter and take the necessary steps to resolve it expediently and in accordance with legal requirements.

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