Debt collection -- Attempts to collect debt not owed -- Complaint #20849299
Consumer disputes debt validity with NRA Group, LLC
Complaint Overview
Complaint ID: 20849299
Company: Nra Group, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: South Carolina
ZIP Code: 29437
Date Received: 2026-04-01T12:00:00-05:00
Date Sent to Company: 2026-04-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the consumer is disputing the debt's legitimacy, which could lead to further collection actions or legal challenges if not resolved.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt
AI Analysis
CFPB complaint 20849299 was filed against NRA Group, LLC regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer reported that NRA Group, LLC attempted to collect a debt that the consumer claims is not theirs. The complaint was received on April 1, 2026 from South Carolina. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should gather any documentation that proves the debt is not theirs and provide it to the debt collector.
Legal Context & Consumer Protection Laws
Debt collectors must cease collection efforts if a consumer disputes the debt and provides evidence of non-liability.
Regulatory Insight
This highlights the importance of collectors verifying debt ownership before attempting collection to avoid violations of the Fair Debt Collection Practices Act (FDCPA).
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in South Carolina, and state laws may offer additional protections regarding debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry where consumers may be contacted for debts they do not owe.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20849299 about?
CFPB complaint 20849299 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against NRA Group, LLC on April 1, 2026.
Which company is complaint 20849299 filed against?
Complaint 20849299 was filed against NRA Group, LLC. You can view all complaints against this company on their profile page at /company/nra-group-llc.
What was the company's response to complaint 20849299?
NRA Group, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20849299 filed?
Complaint 20849299 was received by the CFPB on April 1, 2026. It was sent to NRA Group, LLC on April 1, 2026.
What state was complaint 20849299 filed from?
Complaint 20849299 was filed from South Carolina. You can view all complaints from this state at /state/SC.
Was the consumer satisfied with the resolution of complaint 20849299?
Dispute information is not available for complaint 20849299.
What product category is complaint 20849299 about?
Complaint 20849299 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20849299 submitted?
Complaint 20849299 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 20849299?
Debt collectors must cease collection efforts if a consumer disputes the debt and provides evidence of non-liability. This relates to a Debt collection complaint against NRA Group, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20849299 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20849299?
This complaint is rated as medium risk. The risk is medium because the consumer is disputing the debt's legitimacy, which could lead to further collection actions or legal challenges if not resolved.
What regulatory actions apply to complaint 20849299?
This highlights the importance of collectors verifying debt ownership before attempting collection to avoid violations of the Fair Debt Collection Practices Act (FDCPA). The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20849299?
Consumers should gather any documentation that proves the debt is not theirs and provide it to the debt collector.
Are there state-specific protections for complaint 20849299?
The consumer is located in South Carolina, and state laws may offer additional protections regarding debt collection practices. This complaint was filed from South Carolina.
How does complaint 20849299 compare to industry norms?
This is a common issue in the debt collection industry where consumers may be contacted for debts they do not owe.
What steps should a consumer take if they receive a debt collection notice for a debt they do not owe?
The consumer should immediately notify the debt collector in writing that they dispute the debt and provide any supporting documentation. They should also consider filing a complaint with the CFPB or their state's Attorney General.
What are the obligations of a debt collector when a debt is disputed?
Upon receiving a dispute, the debt collector must cease collection activities until they provide verification of the debt to the consumer. This verification typically includes the amount of the debt, the name of the creditor, and proof that the collector is authorized to collect the debt.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.