Debt collection -- Attempts to collect debt not owed -- Complaint #18059501
Complaint Overview
Complaint ID: 18059501
Company: Nra Group, LLC
Product: Debt collection
Sub-Product: Medical debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Georgia
ZIP Code: 30047
Date Received: 2025-12-15T12:00:00-05:00
Date Sent to Company: 2025-12-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against NRA Group LLC / NTL Recovery Agency for illegally reporting and attempting to collect a debt that was fully settled and deleted in XX/XX/XXXX. This debt originally belonged to XXXX XXXX XXXX. In XX/XX/XXXX, I settled the account with XXXX XXXX XXXX. I have attached the settlement letter and proof of payment showing the debt was accepted as paid in full and marked deleted. Despite this, NRA/NTL reported a new collection account to TransUnion in XX/XX/XXXX for the same debt, even though the account was already settled more than a year before. This caused a derogatory mark on my credit report for six months and resulted in multiple credit denials. NRA/NTL claims they sent validation on XX/XX/XXXX, but they only reference an unclear text message that did not include any of the required FDCPA disclosures about the amount, original creditor, or my dispute rights. I did not receive any written notice by mail, email, or text containing legally required validation information. I never consented to receiving debt validation via text message. I only discovered this collection after seeing my credit report, which violates my rights under the FDCPA 809 ( a ), which requires written notice within 5 days of initial communication. Additionally, NRA/NTL verified this false debt to TransUnion during the FCRA dispute process despite being provided documentation showing the account was already settled and deleted. This constitutes inaccurate reporting and failure to conduct a reasonable investigation as required under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). I am requesting CFPB assistance to : Remove and delete the NRA/NTL account from my credit report with all credit bureaus. Obtain written confirmation from NRA/NTL that the account is resolved and will not be sold or re-reported. Investigate their failure to provide proper FDCPA validation and improper use of text messages as written notice. Review their inaccurate reporting and improper verification under FCRA. This error has caused financial harm, credit denials, and emotional distress. I am requesting immediate correction and consumer protection intervention.
Frequently Asked Questions
What is Complaint #18059501 about?
Complaint #18059501 was filed against Nra Group, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-12-15T12:00:00-05:00.
How did Nra Group, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Nra Group, LLC?
Yes, visit the Nra Group, LLC company profile at readthecomplaint.com/company/nra-group-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.