Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: WV

Complaint narrative:
I initiated disputes in XXXXXXXX XXXX XXXX to all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX regarding an unverified medical debt of {$1500.00} ( Account # XXXX ) originating from XXXX XXXX XXXX XXXX regarding a minor child. The bureaus verified this data in some cases in as little as a few daysproving a complete lack of a reasonable investigation by both the bureaus and the collector. Because of this, I escalated the matter to the CFPB. I am explicitly including and referencing my initial CFPB complaint, Case # XXXX, as part of this filing. In their formal response to that first complaint, XXXX Compliance Agent XXXX XXXX explicitly stated that the agency " validated '' the debt by sending a validation notice via text message on XX/XX/year>, to the telephone number provided in my CFPB profile. Given XXXX XXXX 's written admission, the resulting HIPAA violation against a minor child is the most egregious form of predatory, deceptive, and continued credit defamation. This response exposes massive statutory violations and absolute non-compliance : Egregious HIPAA & Privacy Violations Against a Minor : By their own written admission, XXXX attempted to broadcast a minor childs sensitive Protected Health Information ( PHI ) over standard, unencrypted SMS text networks without ever verifying legal guardianship or authenticating the recipient. This is a severe breach of the HIPAA Security Rule and an unlawful third-party disclosure. Chronological Fabrication & Missing Proof : XXXX claims they " validated '' this debt by texting a notice on XX/XX/year>. In her response, XXXX XXXX evasively stated they used " the same number as this complaint. '' This tone strongly indicates they did not actually possess my telephone number prior to my XX/XX/year> bureau disputes or this CFPB filing. It is a logical impossibility to use a number provided after the fact to send a text months before the fact. I completely deny receipt of any such text message. Furthermore, while XXXX was quick to attach a made-up, summary billing statement from XXXX XXXX XXXX they completely failed to provide any supporting forensic evidencesuch as a system log, timestamp, or opt-in recordproving this alleged text message was ever successfully sent or received. Made-Up Statements & Total Failure to Validate : No legitimate validation documents as requested were ever sent. The document XXXX attached to the CFPB as " proof '' is a basic, made-up summary statement screen print from a third-party debt buyer ( Cascade Capital Funding, XXXX XXXX XXXX not an original itemized bill from XXXX XXXX Emergency Physicians XXXX It contains XXXX procedural codes, no breakdown of medical charges, no insurance adjustments, and no contract establishing a legal chain of title. The " XXXX '' Refusal to Investigate : Adding to the deception, on XX/XX/year>, XXXX sent XXXX a formal letter stating they can not process, investigate, or respond to my dispute without copies of my physical government-issued photo identification. XXXX tells the credit bureaus and the CFPB that the debt is fully " verified, '' yet they explicitly admitted to me in writing that they lack the necessary data to perform an investigation unless I surrender private identity documents. I have already sent a formal Method of Verification ( MOV ) to all three credit bureaus and a formal notice to the CEO of NRA Group , LLC, XXXX XXXX

Company response to consumer: Closed with explanation