Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a notice from National Recovery Agency ( NRA ) attempting to collect a debt allegedly owed to XXXX XXXX XXXX XXXX with a reference number NRA # XXXX. On XX/XX/XXXX, I sent a written debt validation request to NRA via mail to their address at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, exercising my rights under the Fair Debt Collection Practices Act ( XXXX USC XXXX XXXX seq. ) and New York law ( XXXX XXXX XXXX ). In my letter, I disputed the validity of the debt and requested the following : ( 1 ) the amount of the debt, ( 2 ) the name of the creditor, ( 3 ) verification of the debt ( including any judgment, if applicable ), and ( 4 ) documentation proving NRAs authorization to collect the debt. I also instructed them to cease all collection activities until they provided this validation, as required by law. 

By XX/XX/XXXX, I had not received any response or validation from NRA, despite the FDCPA requiring them to provide it within 30 days of receiving my request. On that date, I sent a follow-up email to NRA ( XXXX XXXX ) reiterating my request, reminding them of their legal obligation, and warning that I might file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General if they failed to respond promptly. 

On XX/XX/XXXX, I received an email response from XXXX XXXX, a Team Lead at NRA, stating that they received my dispute on XX/XX/XXXX, and had requested an itemized bill from their client ( XXXX XXXX XXXX ) that same day. They noted it could take 30-45 days for the bill to be generated and sent to me. However, this response did not include the validation I requestedonly an update about a future documentand it came after the 30-day FDCPA deadline, assuming they received my initial request shortly after I sent it on XX/XX/XXXX. 

As of XX/XX/XXXX, more than 120 days after my initial request and over 90 days after their XX/XX/XXXX response, I have not received the requested validation, including the amount, creditor details, verification, or proof of authorization. NRA has failed to comply with the FDCPAs XXXX requirement and XXXX XXXX XXXX XXXX deadline ( which expired around XX/XX/XXXX, based on their claimed receipt date of XX/XX/XXXX ). I have not been contacted further by NRA, nor have I received the promised itemized bill, despite their stated timeline of 30-45 days from XX/XX/XXXX ( which would have been no later than XX/XX/XXXX ). 

This lack of response violates my consumer rights, as NRA has neither validated the debt nor ceased collection efforts as required. I am concerned they may have reported this unverified debt to credit bureaus or continued collection attempts without proof, further harming me. I seek resolution, including confirmation that NRA either provides full validation immediately or ceases all collection activity permanently.

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