Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: IN

Complaint narrative:
I am filing this complaint against National Recovery Agency regarding the reporting and collection of an alleged medical debt that appears inaccurate, incomplete, misleading, and insufficiently verified under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). National Recovery Agency is furnishing a derogatory collection account on my consumer credit reports in the amount of {$1600.00} allegedly associated with XXXX XXXX XXXX XXXX. Despite the serious negative impact this account has on my credit profile, the furnisher has failed to provide competent documentary evidence establishing the validity, completeness, and accuracy of the alleged debt. The reporting appears materially deficient because it lacks : Complete itemized medical billing records ; Dates of service; Insurance adjustment and payment history ; Explanation of Benefits ( EOB ) documentation ; Signed financial responsibility agreement; Proof establishing my legal liability for the balance ; Proof of assignment or legal authority to collect ; Documentation establishing the date of first delinquency ; Competent evidence demonstrating how the alleged balance of {$1600.00} was calculated. Pursuant to 15 U.S.C. 1692g, a debt collector must provide proper validation of an alleged debt when disputed. National Recovery Agency has failed to provide sufficient verification establishing that this account is accurate, legally enforceable, and properly reportable. Furthermore, under 15 U.S.C. 1681e ( b ), furnishers and consumer reporting agencies are required to maintain reasonable procedures to assure the maximum possible accuracy of information furnished on consumer reports. Furnishing a derogatory medical collection account without competent supporting documentation raises substantial concerns regarding compliance with the FCRAs accuracy and investigation requirements. Medical collection accounts require heightened scrutiny because such accounts are frequently affected by : XXXX billing errors ; Coding discrepancies ; Duplicate billing ; Improper patient responsibility calculations ; Pending insurance adjustments ; Administrative processing errors. The furnisher appears to be relying upon conclusory database reporting rather than competent documentary verification sufficient to satisfy the standards required under federal law. Continued reporting of unverifiable or misleading information after dispute may constitute negligent or willful noncompliance with the FCRA and unlawful collection activity under the FDCPA. I formally request that the CFPB require National Recovery Agency and all associated consumer reporting agencies to : Conduct a reasonable investigation into this account ; Produce complete documentary validation of the alleged debt ; Provide the full method of verification used; Produce itemized medical billing records and insurance adjustment history ; Produce proof of legal authority to collect ; Cease furnishing inaccurate, incomplete, or unverifiable information ; and Delete the account from all consumer reporting agencies if competent verification can not be produced. I also request preservation of all investigative records, account-level documentation, communications, furnishing records, audit trails, and verification procedures associated with this account. This complaint concerns violations and potential violations of : 15 U.S.C. 1692g 15 U.S.C. 1692c 15 U.S.C. 1681e ( b ) Any other applicable provisions of the FDCPA and FCRA governing debt validation, reasonable investigation, and maximum possible accuracy. I request a formal written response together with all supporting documentation relied upon in furnishing and verifying this account.

Company response to consumer: Closed with explanation