Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NRA Group, LLC
State: FL

Complaint narrative:
b'ACCOUNT: XXXXAMOUNT: $XXXXORIGINAL CREDITOR: XXXX XXXX XXXXDEBT COLLECTOR: National Recovery Agency\n\nCRITICAL VIOLATION: REPORTED TO CREDIT BUREAU 2 DAYS AFTER RECEIVING CEASE AND DESIST\n\nNational Recovery Agency committed a MAJOR FDCPA violation by reporting this unvalidated debt to XXXX  on XXXX XXXX XXXX  - TWO DAYS after receiving my second validation request and cease and desist letter dated XXXX XXXX XXXXThis is not a case of "we didn\'t know" - they KNEW I disputed the debt, they KNEW I demanded validation, and they KNEW I specifically told them NOT to report to credit bureaus. They did it anyway.\n\nTIMELINE OF VIOLATIONS:XXXX XXXX XXXX: I sent National Recovery Agency my FIRST validation request via certified mail (tracking #XXXX XXXX XXXX XXXX XXXX XXXX) demanding:\n- Proof of the debt\n- Original creditor documentation  \n- Complete chain of custody\n- Itemized statement\n- Proof they are licensed to collect in Florida\n- Original date of service (to determine if statute of limitations has expired)\n\nI also specifically requested that they communicate with me ONLY IN WRITING at my mailing address.\n\nTHEY NEVER RESPONDED to my XXXX XXXX XXXX validation request.\XXXX XXXX XXXX XXXX XXXX XXXX Despite my written request for "writing only" communication, National Recovery Agency sent me FOUR unauthorized text messages harassing me for payment. This violates FDCPA  1692c(c) and  1692d (harassment)XXXX XXXX XXXX I sent National Recovery Agency my SECOND validation request via certified mail documenting their violations and demanding they:\n- Provide complete validation\n- Stop all collection activities until validation is provided  \n- Stop texting me\n- NOT report this debt to credit bureausXXXX XXXX XXXX  Despite receiving TWO validation requests over 11 months, despite failing to provide any validation, and despite my XXXX XXXX  letter specifically demanding they NOT report to credit bureaus, National Recovery Agency reported this unvalidated debt to XXXX  TWO DAYS AFTER RECEIVING MY SECOND LETTER.\n\nThis timing proves they received my letter and DELIBERATELY IGNORED my cease and desist demand.\n\nFDCPA VIOLATIONS BY NATIONAL RECOVERY AGENCY:\n\n1. FAILING TO VALIDATE DEBT (FDCPA  1692g(b))\nDespite TWO written validation requests spanning 11 months XXXX XXXX to XXXX XXXX, National Recovery Agency has never provided:\n- Original date of service\n- Complete chain of custody  \n- Itemized statement\n- Proof of license to collect in Florida\n- Original creditor documentation proving I agreed to pay this debt\n\n2. REPORTING UNVALIDATED DEBT TO CREDIT BUREAUS (FDCPA  1692e)\nNational Recovery Agency reported this debt to XXXX  on XXXX XXXX XXXX without ever providing validation. This is a false representation of the legal status of the debt under FDCPA  1692e(2)(A).\n\n3. REPORTING AFTER RECEIVING CEASE AND DESIST (FDCPA  1692c)\nMy XXXX XXXX XXXX letter specifically demanded they NOT report to credit bureaus. They received this letter and reported anyway on XXXX XXXX XXXX This violates my cease and desist rights under FDCPA  1692c.\n\n4. CONTINUING COLLECTION WITHOUT VALIDATION (FDCPA  1692g(b))\nUnder FDCPA  1692g(b), debt collectors must cease collection activities until they provide validation. Reporting to credit bureaus IS a collection activity. They continued this activity without ever providing validation.\n\n5. HARASSMENT THROUGH UNAUTHORIZED CONTACT (FDCPA  1692c(c) and  1692d)\nAfter I specifically requested communication only in writing, they sent me FOUR unauthorized text messages in XXXX XXXX. This is harassment and violates my communication preferences.\n\n6. UNFAIR PRACTICES (FDCPA  1692f)\nThe combination of failing to validate, harassing with texts, and reporting to credit bureaus after receiving cease and desist constitutes unfair and unconscionable collection practices.\n\nSTATUTE OF LIMITATIONS ISSUE - SUSPICIOUS REFUSAL TO PROVIDE DATE:\n\nFlorida\'s statute of limitations for medical debt is 5 years. In both validation requests, I specifically asked for the original date of service. If the original date of service was before XXXX XXXX XXXX, this debt is TIME-BARRED and legally uncollectible.\n\nNational Recovery Agency has REFUSED to provide the original date of service in 11 months. This suggests they KNOW the debt may be expired and are attempting to collect a time-barred debt, which violates FDCPA  1692e and  1692f.\n\nFCRA VIOLATIONS:\n\nUnder the Fair Credit Reporting Act (FCRA) 15 U.S.C.  1681s-2(a)(3), furnishers of information must not report information they know or have reasonable cause to believe is inaccurate.\n\nNational Recovery Agency cannot verify the accuracy of this debt because:\n- They have never provided validation despite TWO requests over 11 months\n- They refuse to provide the original date of service\n- They cannot prove they legally own this debt (chain of custody)\n- They cannot prove I agreed to pay this debt  \n- The debt may be beyond the statute of limitations\n- I specifically told them NOT to report it and they did anyway\n\nWHY "CEASE AND DESIST" IS NOT ACCEPTABLE:\n\nI am aware that debt collectors often respond to CFPB complaints by claiming they marked accounts "cease and desist" as if this resolves the complaint. IT DOES NOT.\n\n"Cease and desist" only means they stop contacting me. It does NOT:\n- Delete the account from credit bureaus (the account is still damaging my credit score)\n- Close the account permanently (they can still sell it to another collector)\n- Acknowledge the debt is invalid\n- Acknowledge they violated FDCPA by reporting without validation\n- Compensate me for the harm to my credit score\n\nThe ONLY acceptable resolution is DELETION from all credit bureaus and permanent closure of the account.\n\nIMPACT ON ME:\n\nNational Recovery Agency\'s illegal reporting has:\n- Damaged my credit score\n- Prevented me from obtaining credit, housing, and employment opportunities\n- Caused me emotional distress and anxiety\n- Violated my federal rights under FDCPA and FCRA\n- Created a false record that I owe a debt they cannot prove I owe\n\nI am being punished with bad credit for a debt that:\n- Has never been validated\n- May be expired under statute of limitations  \n- Was reported AFTER I told them not to\n- Was reported without any attempt to verify accuracy\n\nWHAT I DEMAND:\n\n1. National Recovery Agency must IMMEDIATELY DELETE this account from ALL credit bureaus XXXX XXXX XXXX2. National Recovery Agency must CLOSE this account permanently and provide written confirmation that:\n   - Account is deleted from all credit bureaus\n   - Account is closed and will not be sold to another collector\n   - They acknowledge they violated FDCPA by reporting without validation\n\n3. CFPB must INVESTIGATE National Recovery Agency\'s practice of:\n   - Reporting unvalidated debts to credit bureaus\n   - Ignoring validation requests\n   - Reporting debts after receiving cease and desist demands\n   - Refusing to provide original dates of service (to hide expired debts)\n   - Harassing consumers with unauthorized contact methods\n\n4. CFPB must SANCTION National Recovery Agency for these violations\n\n5. I reserve the right to pursue legal action under FDCPA  1692k seeking:\n   - Statutory damages up to $XXXX per violation\n   - Actual damages for harm to credit score\n   - Attorney\'s fees and costs (which they must pay if I prevail)\n   - Punitive damages for willful violations\n\nEVIDENCE:\n\nI have documented proof of all violations:\n- Copy of XXXX XXXX XXXX validation request (sent certified mail)\n- Certified mail receipt (tracking #XXXX XXXX XXXX XXXX XXXX XXXX\n- Copy of XXXX XXXX XXXX second validation request (sent certified mail)\n- Certified mail receipt for XXXX XXXX letter\n- Screenshots of FOUR unauthorized text messages XXXX XXXX XXXX XXXX XXXX XXXX- Credit report showing National Recovery Agency reported on XXXX XXXX XXXXXXXX XXXXXXXX  dispute letter sent XXXX XXXX XXXXThis documentation proves:\n- I demanded validation twice over 11 months\n- They never provided validation\n- I told them to communicate only in writing - they texted me anyway\n- I told them NOT to report to credit bureaus - they did it anyway 2 days later\n- They are attempting to collect an unvalidated, possibly expired debt\n\nSUMMARY:\n\nNational Recovery Agency has:\n- Failed to validate this debt despite TWO requests over 11 months\n- Harassed me with four unauthorized text messages\n- Reported an unvalidated debt to XXXX  on XXXX XXXX XXXX  Reported to credit bureaus TWO DAYS after receiving my cease and desist letter\n- Violated my cease and desist demand\n- Refused to provide original date of service (debt may be expired)\n- Violated multiple federal consumer protection laws (FDCPA and FCRA)\n\nThey must DELETE this account from all credit bureaus immediately and face sanctions for their illegal practices.\n\nI will NOT accept "cease and desist" as a resolution. The account must be DELETED from credit bureaus and CLOSED permanently.\n\nReference: Account #XXXXDate: XXXX XXXX XXXX

Company response to consumer: Closed with explanation