Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from National Recovery Agency ( XXXX ) about a debt I supposedly owe to XXXX in the amount of {$840.00}. I followed the email instructions and requested records by emailing them back at XXXX ( as the email instructions laid out ). I emailed them the below on XX/XX/year>XXXX  : " Hello, As a California resident who does not believe this debt is owed, I hereby request records showing the following : ( 1 ) that National Recovery Agency has the right to seek collection of the debt ; ( 2 ) the debt balance, including an explanation of any interest charges and additional fees ; ( 3 ) the date the debt became delinquent or the date of the last payment ; ( 4 ) the name and address of the original creditor and the account number associated with the debt ; ( 5 ) the name and last known address of the debtor as it appeared in the creditors records prior to assignment of the debt ; and ( 6 ) the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable. 

I am also requesting a copy of the contract or other document evidencing my agreement to the debt and proof that the service was rendered in full by the creditor. '' I did not receive a response to my request. Instead, I received the same automated collection email again from them on XX/XX/year>. I responded to that email the same day on XX/XX/year>XXXX  and told them I had already emailed them requesting records 7 days prior and copied the same email request for records as before. Once again, I received no response and instead received the same automated email on XX/XX/year>. Rather than replying to the email again, I create a new email chain to XXXX and sent them the below : " Hello, I have now sent you two emails ( dated XX/XX/year> and XX/XX/year> ) to which I have yet to receive a response, and I continue receiving automated emails from you about the above referenced case. Please see my prior email language copied below. Based on CA Resident law, you may not submit a negative credit report about this supposed obligation until you have responded to my inquiry. I will get my attorney involved if you do not cease to send me emails about the debt instead of actually responding to my inquiries. 


Prior Email : Hello, As a California resident who does not believe this debt is owed, I hereby request records showing the following : ( 1 ) that National Recovery Agency has the right to seek collection of the debt ; ( 2 ) the debt balance, including an explanation of any interest charges and additional fees ; ( 3 ) the date the debt became delinquent or the date of the last payment ; ( 4 ) the name and address of the original creditor and the account number associated with the debt ; ( 5 ) the name and last known address of the debtor as it appeared in the creditors records prior to assignment of the debt ; and ( 6 ) the names of all persons or entities other than the debt collector to which the debt has been assigned, if applicable. 

I am also requesting a copy of the contract or other document evidencing my agreement to the debt and proof that the service was rendered in full by the creditor. '' I did not receive a response and today, XX/XX/year>XXXX  received yet another automated collection email.

Company response to consumer: Closed with explanation