Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: MD

Complaint narrative:
Debt Validation Letter XXXX XXXX XXXX XXXX XXXX Maryland, XXXX XXXX XXXX XXXX XXXX National Recovery Agent XXXX XXXX XXXX XXXX Pa XXXX Subject : Formal Dispute and Request for Debt Validation Account No. XXXX Dear Sir or Madam, This letter is a formal dispute and a request for validation of the debt you claim I owe. I am writing in response to your recent communication ( or credit reporting ) regarding an account you are attempting to collect, referenced above as Account XXXX. XXXX. 

Please be advised that this is not a refusal to pay, but a demand that you provide proof and validation of the alleged debt. Until I receive the requested validation, you must cease all collection activities, including reporting this item to any credit reporting agency. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and other applicable laws, I demand that you provide me with the following verifiable documentation and information : Proof of the debt amount : A detailed breakdown of the total amount owed, including the principal balance, interest, fees, and any other charges.

Validation of the original creditor : The name and address of the original creditor.

Proof that I owe the debt : A copy of the original contract or other instrument bearing my signature that established my obligation to pay.

Proof that you are legally authorized to collect this specific debt : Documentation showing a clear and unbroken chain of assignment or transfer of the debt from the original creditor to your company.

Proof of the last date of payment : The date of the last payment made on this alleged debt.

If you are unable to provide all of the requested validation within 30 calendar days of your receipt of this letter, you must immediately : Cease all communication and collection activities regarding this debt. 
Remove all reporting of this alleged debt from all credit reporting agencies ( Equifax, Experian, and TransUnion ). 
Provide me with written confirmation that all collection activity has ceased and the debt has been removed from my credit report. 
If you choose to continue collection activities or re-report this information without providing the full validation requested above, you will be in violation of the FDCPA, which could subject your company to legal action. 
I look forward to your prompt response and the requested validation. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX ] Enclosure ( Optional but Recommended ) : Copy of your credit report showing the collection entry. 
Copy of the collection notice you received. 
XXXX Steps After Writing : Make Copies : Keep a copy of the signed letter and all enclosures for your own records. 
Mail It : Go to the XXXX XXXX and send the letter via Certified Mail, Return Receipt Requested. 
XXXX the XXXX XXXX : Once you receive the green card back ( proof of delivery ), staple it to your copy of the letter and file it in a safe place. This is your proof of the date they received your validation request.

Company response to consumer: Closed with explanation