Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NJ

Complaint narrative:
NATIONAL RECOVERY account XXXX This letter serves as my formal dispute of the alleged debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

I DISPUTE THIS ALLEGED DEBT IN ITS ENTIRETY. 

IMMEDIATE CEASE AND DESIST CREDIT REPORTING Do NOT furnish or re-furnish any derogatory information to any consumer reporting agency regarding this disputed debt. Any reporting must be marked " DISPUTED '' as required by 15 U.S.C. 1692e ( 8 ) and 1681s-2 ( a ) ( 3 ). Your current credit reporting contains material inaccuracies including impossible future dates ( XX/XX/year>, XX/XX/year> ) in violation of FCRA accuracy requirements. 

VALIDATION DEMANDS UNDER 15 U.S.C. 1692g Pursuant to my rights under the FDCPA, provide the following within 30 days : 1. PROOF OF YOUR LEGAL STANDING TO COLLECT : Complete, unbroken chain of assignment from XXXX XXXX XXXX to your company All purchase agreements, sale contracts, or assignments transferring this debt Proof you have legal authority to collect in my state Corporate documentation showing your authority to act on behalf of current creditor 2. ORIGINAL CREDITOR DOCUMENTATION : Original signed contract or agreement creating this alleged debt All account statements from XXXX XXXX XXXX XXXX payment history showing all charges, payments, and credits Proof of the original debt amount and how {$140.00} balance was calculated Any modifications to original terms 3. SECURITIZATION PROOF ( If Applicable ) : Proof this debt was NOT sold into securitized trust If securitized, proof the trust legally sent the debt back to collection All pooling and servicing agreements Documentation showing compliance with securitization requirements 4. VERIFICATION OF DEBT ACCURACY : Detailed accounting of all fees, interest, and charges added Proof no unauthorized fees have been added Verification that statute of limitations has not expired Confirmation of current owner of this alleged debt 5. COLLECTION AUTHORIZATION : License to collect debts in my state Authorization from current creditor to collect this specific debt Proof of compliance with all state debt collection laws CRITICAL CREDIT REPORTING VIOLATIONS Your credit reporting contains material inaccuracies that violate federal law : Future Dating : Account shows " Date opened : XXXX XXXX, XXXX  '' and " Status updated : XX/XX/year> '' - dates that have not occurred Contradictory Information : Shows both " 0 % paid off '' and " Balance {$140.00} '' These violations of 15 U.S.C. 1681s-2 ( a ) render the entire tradeline legally invalid FORMAL DISPUTE OF IDENTITY I dispute that I am the correct debtor for this alleged obligation. Provide : Proof I entered into any agreement with XXXX XXXX XXXX XXXX of my identity as the responsible party Documentation connecting me personally to this alleged debt FDCPA VIOLATIONS NOTICE Be advised that any collection activity during the validation period, continued credit reporting without " DISPUTED '' notation, or failure to provide complete validation constitutes FDCPA violations carrying statutory damages up to {$1000.00}, actual damages, and attorney fees. 

CEASE AND DESIST COLLECTION ACTIVITY Under 15 U.S.C. 1692c ( c ), CEASE all collection activity including : Phone calls to me or third parties about this debt Written collection communications Credit reporting ( except to mark as disputed ) Legal proceedings or threats thereof ELECTRONIC COMMUNICATION PROHIBITION Do NOT contact me via email, text message, or any electronic means. All communications must be in writing via U.S. Mail only. 

VALIDATION PERIOD NOTICE This validation demand triggers the XXXX validation period under 15 U.S.C. 1692g ( b ). You must provide COMPLETE validation or cease all collection activity permanently. 

CREDIT REPORTING REQUIREMENTS If you can not provide complete validation : Remove all derogatory reporting immediately Provide written confirmation of removal Do not re-report this debt to any credit bureau DOCUMENTATION REQUIREMENTS All documents must be : Complete and legible copies ( not summaries ) Properly authenticated Include all assignments in chronological order Show unbroken chain of ownership LEGAL NOTICE This debt is disputed. Any lawsuit filed without providing complete validation will be defended vigorously with counterclaims for FDCPA violations. The future dating credit reporting violations alone establish clear grounds for statutory damages.

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