Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NRA Group, LLC
State: FL

Complaint narrative:
As of XX/XX/year> I, XXXX XXXX XXXX pulled my consumer reports fromXX/XX/XXXX and XX/XX/XXXXand I noticed that I have unauthorized Collection Accounts as well as unverified late payments on my Consumer Report 's from XXXX XXXX Financial institution. I've never given XX/XX/XXXX consent to report adverse information to damage my consumer eligibility. The XXXX XXXX account is reporting inconsistently across all three consumer reporting agencies thus violating 15 United States code 1681 s-2 ( a ) ( b ). XX/XX/XXXXXXXX - Account XX/XX/XXXXXXXX & AccountXX/XX/XXXX- Reporting as one - 30 day late and the report states that I have 50 % on time payment history on my consumer reports which is grossly inaccurate. 
XXXX XXXX XXXX Notice, it is a fact, I XXXX XXXX XXXX XXXX the affiant did not consent to communicate with this XXXX XXXX more than our initial point of contact. I did not contract with XXXX XXXX XXXX nor did I request to have XXXX XXXX XXXX contact me back. I was contacted numerous times and have proof in Uploaded Exhibit that this behavior by XXXX XXXX XXXX, as a debt collector, is a violation of 15 U.S.Code 1692b ( 2 ) and the TCPA 47 U.S.Code 227. 
Notice, it is a fact that affiant, XXXX XXXX XXXX is aware the term identity theft as described in 15 USC 1681a ( q ) ( 3 ) and Regulation V Pursuant to 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without Authority XXXX XXXX XXXX has never been given the authority / permissible purpose to place any debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of my Individual rights of privacy. I demand that this adverse and extortionate tradeline associated with my consumer file be deleted immediately. 
XX/XX/XXXXXXXX - Amount of- {$180.00} Notice, it is a fact that affiant, XXXX XXXX XXXX is aware the term identity theft as described in XXXX XXXX XXXX ( q ) ( XXXX ) and Regulation V Pursuant to 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without Authority XX/XX/XXXX has never been given the authority / permissible purpose to place any debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of my Individual rights of privacy. I demand that this adverse and extortionate tradeline associated with my consumer file be deleted immediately. 
NATIONAL RECOVERY AGENCY- AccountXX/XX/XXXX/ Amount - XXXX / Collection Account- Notice, it is a fact, I, XXXX XXXX XXXX XXXX XXXX did not consent to communicate with this NATIONAL RECOVERY AGENCY more than our initial point of contact. I did not contract with NATIONAL RECOVERY AGENCY nor did I request to have NATIONAL RECOVERY AGENCY contact me back. I was contacted numerous times and have proof in Uploaded EXHIBIT that this behavior by NATIONAL RECOVERY AGENCY, as a debt collector, is a violation of 15 U.S.Code 1692b ( 2 ) and the TCPA 47 U.S.Code 227. 
Notice, it is a fact that, XXXX XXXX XXXX affiant is aware the term identity theft as described in 15 USC 1681a ( q ) ( 3 ) and Regulation V Pursuant to 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without Authority NATIONAL RECOVERY AGENCY has never been given the authority / permissible purpose to place any debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of my Individual rights of privacy. I demand that this adverse and extortionate tradeline associated with my consumer file be deleted immediately. 
XX/XX/XXXX- Account XX/XX/XXXX XXXX / Amount - {$1100.00} & AccountXX/XX/XXXX Amount- {$250.00}. Notice, it is a fact, I, XXXX XXXX XXXX the affiant did not consent to communicate with this XX/XX/XXXX more than our initial point of contact. I did not contract with XX/XX/XXXX nor did I request to have XX/XX/XXXXT contact me back. I was contacted numerous times and have proof in Uploaded Exhibit that this behavior by CXX/XX/XXXXas a debt collector, is a violation of 15 U.S.Code 1692b ( 2 ) and the TCPA 47 U.S.Code 227. 
Notice, it is a fact that XXXX XXXX XXXX XXXX is aware the term identity theft as described in 15 USC 1681a ( q ) ( 3 ) and Regulation V Pursuant to 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without Authority XX/XX/XXXX has never been given the authority / permissible purpose to place any debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of my Individual rights of privacy. I demand that this adverse and extortionate tradeline associated with my consumer file be deleted immediately.

Company response to consumer: Closed with explanation