Debt collection -- Written notification about debt -- Complaint #18699318
Complaint Overview
Complaint ID: 18699318
Company: N.A.R., INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: North Carolina
ZIP Code: 282XX
Date Received: 2026-01-13T12:00:00-05:00
Date Sent to Company: 2026-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing in response to your communication regarding the alleged debt you claim I owe. This letter serves as formal notice that I dispute this debt in its entirety and request full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and applicable provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Additionally, this letter constitutes a formal demand for disclosure and proof of lawful authority regarding your collection, possession, use, and/or acquisition of my personal information, which appears to have been obtained through sale, transfer, or other means not authorized by me. Debt Validation Request Please provide the following documentation : 1. The name and address of the original creditor 2. The original account number ( redacted as required ) 3. The amount of the alleged debt, including an itemized accounting 4. A copy of the original contract or agreement bearing my signature 5. Complete chain of title and assignment demonstrating your legal right to collect this debt 6. The date the debt was allegedly incurred and the date of default Personal Information & Data Source Disclosure In addition, pursuant to federal and state consumer protection and privacy laws, I demand written disclosure of : 1. The source of my personal information, including the name of any entity that sold, transferred, or furnished my data 2. The legal authority or permissible purpose under which my personal information was obtained and used 3. Copies of any agreements, consents, or authorizations you rely upon to justify possession or use of my data 4. Whether my information has been further sold, shared, or reported to third parties or credit reporting agencies Notice of Legal Obligations Be advised that : Until proper validation is provided, you must cease all collection activity, including reporting to credit bureaus. Any continued collection, reporting, or communication without validation may constitute violations of the FDCPA, FCRA, and applicable state privacy and consumer protection laws. If you are unable to demonstrate lawful acquisition and use of my personal information, you must immediately cease collection efforts, delete my data, and notify any third parties to whom it was disclosed. This letter is not a refusal to pay, but a lawful dispute and demand for proof. Please respond in writing within the time period required by law. Failure to comply will leave me no option but to pursue formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and to consider all available legal remedies. Sincerely, XXXX XXXX XXXX, XXXX XXXX XX/XX/year> XXXX
Frequently Asked Questions
What is Complaint #18699318 about?
Complaint #18699318 was filed against N.A.R., INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2026-01-13T12:00:00-05:00.
How did N.A.R., INC. 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 N.A.R., INC.?
Yes, visit the N.A.R., INC. company profile at readthecomplaint.com/company/n-a-r-inc 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.