11440046
|
2025-01-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Medical debt
|
Date Received |
2025-01-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-09
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
Hello, I requested written validation of a debt that National Recovery Agency ( NRA ) claimed I owed, including a detailed bill. Despite multiple follow-ups over several months, NRA failed to provide the requested documentation, citing delays from the original creditor, XXXX XXXX XXXX XXXX.Frustrated with the lack of progress, I independently contacted XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Both promptly confirmed that the debt was paid in full and expressed amazement that a collection report even existed for this account.
Despite this clear evidence, NRA continues to engage in collection activities.
These actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ), including : Failure to provide validation of the debt upon request ( Section 809 ).
Attempting to collect a debt that has already been paid.
|
Consumer Consent Provided |
Consent provided
|
|
11563274
|
2025-01-16
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2025-01-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-16
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
11749063
|
2025-01-24
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2025-01-24
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-24
|
|
11887707
|
2025-02-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2025-02-01
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-02-01
|
|
11954329
|
2025-02-05
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Threatened or suggested your credit would be damaged
|
Sub Product |
Medical debt
|
Date Received |
2025-02-05
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-02-05
|
|
11618447
|
2025-01-20
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Medical debt
|
Date Received |
2025-01-20
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-20
|
|
11687749
|
2025-01-23
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Was not notified of investigation status or results
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-23
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-23
|
|
11945458
|
2025-02-05
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Medical debt
|
Date Received |
2025-02-05
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-02-05
|
|
11808512
|
2025-01-29
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-29
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
11898478
|
2025-02-02
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Medical debt
|
Date Received |
2025-02-02
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-02-02
|
|
11697316
|
2025-01-22
|
Electronic communications
|
Debt collection
|
|
Issue |
Electronic communications
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated messages
|
Sub Product |
I do not know
|
Date Received |
2025-01-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-22
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
11817869
|
2025-01-29
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
I do not know
|
Date Received |
2025-01-29
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-29
|
|
8251730
|
2024-01-30
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Medical debt
|
Date Received |
2024-01-30
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-01-30
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
N/A
|
|
11545848
|
2025-01-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Medical debt
|
Date Received |
2025-01-15
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-15
|
|
11110342
|
2024-12-11
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Account information incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2024-12-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-11
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I am filing this complaint due to severe inaccuracies in the reporting of this collection account by National Recovery Agency. Despite my numerous disputes over the past six months, this account continues to be reported with conflicting and erroneous information across credit bureaus.
Impossible Date of Account Opening : The account shows an impossible future opening date : XXXX : XX/XX/year> XXXX : XX/XX/year> XXXX : XX/XX/year> Inconsistent Status : XXXX and XXXX list the account as Closed.
XXXX reports the account as Open.
Balance Inaccuracy : A balance of {$2400.00} is reported despite the status discrepancies.
Dispute Status Conflicts : XXXX indicates the account has been deleted.
XXXX continues to report it as negative with a dispute status.
Lack of Verification : Despite disputing this account multiple times, National Recovery Agency has failed to provide any proof or validation of this debt. This violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires all information reported to be accurate, verifiable, and timely.
Given the repeated failures to verify this debt and the clear inaccuracies in reporting, I demand the immediate deletion of this account from all credit reporting agencies. National Recovery Agency 's continued failure to correct these errors is causing unjust harm to my credit profile and is a blatant disregard of federal law.
|
Consumer Consent Provided |
Consent provided
|
|
11205705
|
2024-12-18
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2024-12-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-18
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
11384151
|
2025-01-04
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2025-01-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-04
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
11594915
|
2025-01-20
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2025-01-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-20
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
11306783
|
2024-12-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
I do not know
|
Date Received |
2024-12-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-28
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I am reaching out regarding a collection account on my credit report. I believe there may be an issue with this account, and I would like assistance in resolving it.
NTL Recovery Agency XXXX I requested validation of debt but did not receive proper response. Its reporting I opened an account XX/XX/year>, which is completely false. I believe this is a case of identity fraud.
I am requesting the CFPB to assist in investigating this matter and ensure the issue is resolved accurately.
Thank you for your time and assistance.
|
Consumer Consent Provided |
Consent provided
|
|
11441674
|
2025-01-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
Sub Product |
Medical debt
|
Date Received |
2025-01-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-09
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
11285614
|
2024-12-27
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Medical debt
|
Date Received |
2024-12-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-27
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
This complaint concerns an alleged debt of {$1500.00}, reported by National Recovery Agency ( account number XXXX ) on behalf of the original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I received XXXX XXXX care on or around XX/XX/XXXX. At no point during the visit was I informed that the XXXX was out-of-network or that I would be personally billed for services. This lack of disclosure violates the No Surprises Act ( H.R. 133, Sec. 102 ), which protects patients from surprise billing for out-of-network services in emergency situations.
This account was reported to collections and added to my credit report in XX/XX/XXXX, more than three years after the date of service. Despite disputing this account with National Recovery Agency, the company has failed to provide proper validation of the debt, violating the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).
Key details include : Date opened : XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current balance : {$1500.00} Status : Collection account Payment history : Reported as past due since XX/XX/XXXX, negatively impacting my credit score.
I have attempted to dispute this debt, but National Recovery Agency has not provided sufficient documentation proving the validity of the charge. Furthermore, the original creditor has failed to comply with federal and state laws, including Floridas Patient Balance Billing Protections under Florida Statute 627.64194, which prohibits out-of-network balance billing without patient consent in emergency situations.
As this debt stems from illegal billing practices and lacks proper validation, I request the following actions : 1. Immediate removal of this account from my credit report.
2. A full investigation into the practices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and National Recovery Agency.
3. A resolution that includes confirmation that this debt has been cleared and no further collection activity will take place.
Thank you for addressing this matter promptly.
|
Consumer Consent Provided |
Consent provided
|
|
10431714
|
2024-10-12
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Medical debt
|
Date Received |
2024-10-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-12
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
11472557
|
2025-01-10
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Medical debt
|
Date Received |
2025-01-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-10
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
11464932
|
2025-01-10
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
Issue |
Threatened to contact someone or share information improperly
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Talked to a third-party about your debt
|
Sub Product |
Medical debt
|
Date Received |
2025-01-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-10
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
Not only is this debt potentially not even mine.I have filed a dispute for this debtit is ON MY CREDIT REPORT and it says XXXX XXXX ( XXXX ) is whom is owed. I DO NOT KNOW WHAT OR WHO THIS IS. I get phone calls on early mornings during work and late nights and weekends.for again a debt I have never heard of and it appears XXXX and has impacted my XXXX XXXX to the tune of XXXX.
|
Consumer Consent Provided |
Consent provided
|
|
10644365
|
2024-10-31
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
I do not know
|
Date Received |
2024-10-31
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-31
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
This just appeared on my credit report ( collection ) as in XXXX XXXX XXXX with a debt of {$1700.00} of open balance, nothing else, I havent received any type of notification about this and I have no idea what is this about. No phone calls, no mail, nothing from this agency.
|
Consumer Consent Provided |
Consent provided
|
|
11240976
|
2024-12-22
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
I do not know
|
Date Received |
2024-12-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-22
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
7525665
|
2023-09-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Medical debt
|
Date Received |
2023-09-10
|
Submitted Via |
Web
|
Company Response |
Closed with non-monetary relief
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-09-10
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
My information was used incorrectly to open credit cards/pay debt. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of 5 accounts that are fruadulent.
|
Consumer Consent Provided |
Consent provided
|
|
6576026
|
2023-02-15
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2023-02-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-02-15
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
6570748
|
2023-02-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2023-02-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-02-14
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|
6431294
|
2023-01-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Medical debt
|
Date Received |
2023-01-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-02-03
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I got a debt medical collection on my credit report now from XXXX had a car accident in XXXX and we never recieved bill of this amount. My lawyer paid every single bill I had. I did not recieved any bill of this amont ever and I called the collection to send me detailed bill, they never sent me. My lawyer paid of around {$37.00} other medical bills.
|
Consumer Consent Provided |
Consent provided
|
|
7377422
|
2023-08-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
NRA Group, LLC
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Medical debt
|
Date Received |
2023-08-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-08-09
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Consumer Consent Provided |
Consent not provided
|
|