Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: AE

Complaint narrative:
I have the conversation recorded, XXXX XXXX XXXX XXXX stated he doesn't have a time limit as to when he has to provide the information, I explained he does, I misquoted the FCRA, he corrected me, this proved to me he's aware that he's aware, National Recovery Agency violated my rights. 

The National Recovery Agency failed to inform me before this debt was published on credit profile, I was not notified, if mail was sent to my XXXX address, it was returned as I've been abroad due to military requirements for a while now. 

If this can not be resolved within XXXX hours, I am requesting a monetary resolution at the max allowed. National Recovery Agency and or their affiliates doesn't have in their possession the proof this debt is mine as stated during the call by XXXX XXXX XXXX XXXX. Legally this debt shouldn't have been placed on my credit without proof by National Recovery Agency and or their affiliates. 

My identity was stolen in XXXX, I've attached the police report. 

Below was emailed to XXXX XXXX XXXX XXXX at XXXX. This email address was provided to me by XXXX XXXX XXXX XXXX during the call on XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX APO, AE XXXX XXXX Date : XXXX XX/XX/XXXX National Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Dispute and Request for Validation of Debt Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the above-referenced account pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. The account listed as National Recovery Agency Account # XXXX is being reported as a collection item on my credit report. I am asserting that this account is fraudulent and not authorized by me. 

Under the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of any disputed information on a consumers credit report. Furthermore, under the FDCPA ( 15 U.S.C. 1692g ), you are obligated to provide proper validation of the debt upon request before continuing collection efforts or reporting to any credit bureau. 

I am requesting that you provide me with the following documentation to verify this alleged debt : XXXX. The original signed contract or agreement bearing my wet signature that shows I authorized this debt. 
XXXX. A complete payment history and itemization of the amount claimed, including how the balance was calculated. 
XXXX. The name and address of the original creditor and all documents transferring the alleged debt to your agency. 

If you can not provide such documentation, you are required under XXXX U.S.C. XXXX to delete this account from all credit reporting agencies immediately. Continuing to report unverifiable or inaccurate information is a violation of the FCRA and the FDCPA. 

Please send the requested documentation either via email at XXXX or by mail to the address listed above within XXXX  days of receiving this letter. 

If you fail to provide proper validation, you must cease all collection activity and remove all references to this account from my credit reports with XXXX, XXXX, and XXXX. 

I expect written confirmation of your compliance once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation