Consumer complaint received 2026-03-11 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: IL

Complaint narrative:
* * Complaint Against : National Recovery Agency ( NRA Group , LLC ) * * XXXX XXXX XXXX XXXX, XXXX XXXX I am filing this complaint regarding an inaccurate collection account that National Recovery Agency reported to my credit report in XX/XX/year> for an alleged XXXX balance of {$410.00}. I have * * no knowledge of this debt * *, and the reporting of this account appears to violate multiple provisions of the * * Fair Debt Collection Practices Act ( FDCPA ) * * and the * * Fair Credit Reporting Act ( FCRA ) * *. First, I was * * never contacted by this debt collector prior to the account appearing on my credit report * *. I did not receive any phone call, letter, email, or written communication attempting to collect this alleged debt. Under * * XXXX5 U.S.C. 1692g of the FDCPA * *, a debt collector is required to provide a written validation notice within five days of their initial communication with a consumer. This notice must include the amount of the debt, the name of the creditor, and the consumers right to dispute the debt within 30 days. I was never provided such notice and therefore was * * denied my legal right to dispute or request validation of this debt before it was reported to the credit bureaus * *. Second, the collector has * * failed to validate the debt * * or provide any documentation showing that I owe this balance. I have maintained a XXXX account associated with my residence, and my account history clearly shows that my balances were * * paid in full * *. At no time was I notified by XXXX or any third-party collector that an unpaid balance existed. Third, reporting a debt to the credit bureaus * * without first ensuring the accuracy of the information * * may violate the * * Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) * *, which requires furnishers of credit information to provide accurate and verifiable information to credit reporting agencies. Because I was never notified of the alleged debt, never provided validation, and have no record of any outstanding XXXX balance, I believe this account may be the result of * * erroneous reporting, identity confusion, or inaccurate records * *. I am requesting the following resolution : 1. Immediate * * investigation and validation of the alleged debt * *. 2. If the debt can not be fully validated with original documentation from XXXX, the * * immediate deletion of this collection account from all credit reporting agencies * *. 3. Written confirmation explaining how this debt was verified and why I was never provided the required validation notice or opportunity to dispute the debt prior to credit reporting. 4. If the collector believes the debt is valid, I request that they provide the legally required validation notice and documentation and allow the full 30-day dispute period required under 15 U.S.C. 1692g. Until the debt is properly validated and the dispute period has been provided, I request that the account be removed from credit reporting or at minimum reported as disputed to all credit bureaus. This inaccurate collection is negatively impacting my credit profile, and I am requesting that the CFPB ensure the collector complies with federal consumer protection laws and resolves this matter promptly. I have attached a copy of my pepco accounts listed in my name that I own. Both accounts were registered to my apartments when I lived in DC. Both accounts were paid for in full and have no outstanding balances. I may be contacted at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation