Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: FL

Complaint narrative:
b'Consumer Financial Protection Bureau\nXXXX XXXX XXXX, D.C. XXXX\nDate: XXXX XXXX XXXX\nSubject: Formal Complaint and Request for Investigation  Unvalidated and Potentially Inaccurate Debt Reporting by National Recovery Agency\nFrom:\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXnRegarding:\n\nDebt Reported by National Recovery Agency\nOriginal Creditor: Inphynet S Broward LLC\nAccount NoXXXX XXXX\nAmount: XXXX\nReporting to XXXX XXXX, and XXXX\n________________________________________\nDear CFPB Officer,\nI respectfully submit this formal consumer complaint and request for immediate investigation regarding a derogatory entry reported by National Recovery Agency (NRA), located at XXXX XXXX XXXX XXXX, PA XXXX concerning an alleged debt in the amount of XXXX, originally assigned from XXXX XXXX XXXX XXXX.\n\nThis account is being reported as a collection item on all three of my credit reports, and I assert that it is inaccurate, unvalidated, and potentially fraudulent. As such, I am exercising my rights under multiple federal statutes, including but not limited to the:\n\n\tFair Debt Collection Practices Act (FDCPA), XXXX XXXX XXXXXXXX\n\tFair Credit Reporting Act (FCRA), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX(a)\n\tHealth Insurance Portability and Accountability Act (HIPAA), where applicable\n\nI am formally disputing the accuracy and validity of this account and demanding immediate debt validation in full compliance with XXXX XXXX XXXX).\n\nI hereby request that the debt collector and any data furnisher provide the following:\n________________________________________\nXXXX Debt Validation as Required by Law\nA complete and itemized validation of this debt, including:\n\tA full payment history, with itemized charges and credits since the inception of the account.\n\tA certified copy of the original agreement or contract, bearing my actual signature, that created this debt.\n\tA clear explanation of how the amount of XXXX was calculated.\nXXXX. Proof of Legal Standing (Chain of Title)\nDocumented evidence of the chain of assignment or sale of the alleged debt from XXXX XXXX XXXX XXXX to National Recovery Agency. This must include:\n\tCopies of all assignment agreements, bills of sale, or other transfer documentation.\n\tA statement clearly demonstrating that NRA has legal ownership and authority to collect on this debt.\nXXXX. Verification of Insurance Involvement\nIf this is a medical debt, as it appears, I require:\n\tDocumentation showing whether a claim was submitted to any health insurance carrier (including private insurers, Medicare, or Medicaid), and\n\tThe explanation of benefits (EOB) indicating what amounts were paid, denied, or written off.\nFailure to provide this information would be a violation of the FDCPA, the GLBA, and potentially HIPAA privacy protections.\nXXXX Data Furnishing Compliance Under FCRA\nAs per XXXX XXXX XXXX, a furnisher of information is legally required to report only accurate and fully substantiated data.\nIf this account has not been fully validated as required, it must be deleted from my credit reports. Any continued reporting of unverified or inaccurate information is unlawful and may result in statutory damages, regulatory action, and civil liability.\nXXXX. Immediate Relief Requested\nI request that the CFPB initiate a formal investigation and require National Recovery Agency to:\n\tCease all collection activities,\n\tRemove all credit reporting related to this account unless and until full validation is provided, and\n\tProvide written confirmation of the resolution of this matter.\nIf this account is not validated in strict accordance with the law within XXXX days, I will consider it invalid and request permanent removal from all consumer reporting agencies. I also reserve the right to seek legal counsel and pursue damages for any continued violations.\n________________________________________\nThank you for your attention and prompt action on this serious matter.\nSincerely,\nXXXX XXXX XXXX

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