Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: MD

Complaint narrative:
I submitted a complaint via the CFPB on XX/XX/XXXX and received a response from the company that was rooted in inaccurate interpretation of a stated case law. I am requested a reinvestigation by the actual CFPB vs. simply closing my complaint based on simply receiving a response. Below is my response to the company provided response. 

I am writing in response to your claim regarding the above-referenced account and your citation of Azar v. Hayter, 874 F. Supp. 1314 ( N.D. Fla. 1994 ), in which you assert that you are not required to provide proof of the alleged debt. I respectfully disagree with this interpretation and assert my rights under federal consumer protection laws.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, data furnishers such as your organization have specific obligations when reporting to consumer reporting agencies. In particular : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states that a furnisher shall not furnish information relating to a consumer to any consumer reporting agency if the furnisher knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681s-2 ( b ) imposes a duty on furnishers to investigate disputes forwarded by credit reporting agencies ( CRAs ) and to verify the accuracy of the information. If the information can not be verified, it must be modified or deleted.

In addition, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, consumers have the right to request verification of the debt. Upon receipt of such a request : 15 U.S.C. 1692g ( b ) requires the debt collector to cease collection efforts until the debt is validated. Validation must include evidence that you have the right to collect the debt and that the amount claimed is accurate.

The case you cited, Azar v. Hayter, is not binding in this context, nor does it override current federal requirements under the FCRA or FDCPA. It primarily addresses class action certification and does not eliminate a consumers right to dispute and request verification of a debt being reported to credit bureaus.

Therefore, I am requesting the following : A full validation of the debt, including the original creditor, itemized accounting, and proof that you are legally authorized to collect the debt via securitization by the original creditor. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor and Permissible Purpose Provide written proof of permissible purpose for accessing my credit information. I dispute the right to do so.

Cessation of all reporting and collection activity until the requested validation is provided. You failed to remove this illegal reporting from my credit report thus violating my consumer rights.

A reinvestigation under FCRA guidelines if this account continues to appear on my credit report, and a deletion of the tradeline if the account can not be fully verified.

Failure to comply with these federal requirements may result in formal complaints being filed with the Federal Trade Commission ( FTC ), and my state Attorney General 's office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation