Debt collection -- Took or threatened to take negative or legal action -- Complaint #6809935
Complaint Overview
Complaint ID: 6809935
Company: Nra Group, LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Iowa
ZIP Code: 52240
Date Received: 2023-04-07T12:00:00-05:00
Date Sent to Company: 2023-05-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I AM A FEDERALLY PROTECTED CONSUMER I am making this complaint against NLT RECOVERY AGENCY ACCT # XXXX. I reject your offer to contract I DID NOT NOR DO I CONSENT to any NON-AFFILIATED THIRD PARTY ( NLT RECOVERY AGENCY ACCT # XXXX ) to be in possession of my Non-public Personal Information. THIS IS A VIOLATION OF THE GRAMM-LEECH-BLILEY ACT and the FAIR TRADE COMMISION THE ( FTC ) CONSIDERS a CONSUMER 'S PRIVACY PROTECTION VERY CRITICAL. I never gave my permission ( TO NTL RECOVERY AGENCY ACCT # XXXX ) USE OF ANY of my Identifying information to commit fraud by putting this FALSE, ALLEDGED AND VERY DAMAGING DEBT on my consumer report. This is a notice to CEASE AND DESIST ALL illegal activity and communications with me and the furnishing of this false credit information on my consumer report which is considered communication and illegal activity. I AM NOT REQUESTING validation of any alleged debt as obtaining as Non Public Personal Information but without my lawful, legal authority THIS constitutes Aggravated Identity Theft 18 USC 1028A. By reporting this on my consumer report this alleged debt SOLD BY XXXX XXXX XXXX XXXX XXXX OF MY NON-PUBLIC PERSONAL INFORMATION TO YOUR THIRD PARTY DEBT COLLECTION COMPANY ( NLT RECOVERY AGENCY # XXXX ). I now have reason to believe that you are ALL conspiring against me trying to collect on a EXTENSION OF CREDIT through unlawful extortionate means. There is NO TRILATERAL CONTRACT BETWEEN US ( NLT RECOVERY AGENCY ACCT # XXXX ) THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU ( NLT RECOVERY AGENCY ). THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FAIR TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME. YOU ARE IN VIOLATION OF THE FAIR TRADE COMMISION ACT WHICH STATES " Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. AND BY NLT RECOVERY AGENCY REPORTINGTHIS FALSE ALLEDGED DEBT ON MY CONSUMER REPORT. I WAS DENIED A EXTENSION OF CREDIT FOR HAVING A COLLECTION ACCOUNT ON MY CONSUMER REPORT NOW DUE TO YOUR FALSE CLAIM NLT RECOVERY AGENCY YOU ARE RESPONSIBLE AND YOU PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH IS MY FEDERAL RIGHT WHICH NOW ALSO PUTS YOU IN VIOLATION OF THE FAIR TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK JUSTICE, AND DEMAND, ALL MY FEDERAL RIGHTS BE PROTECTED, AND RESPECTED, AND ENFORCED. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, REPUTATION, or property of any person. BY " NLT RECOVERY AGENCY '' FURNISHING THIS ALLEDGED DEBT ON MY CONSUMER REPORT YOU ARE HURTING AND DAMAGING MY REPUTATION. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH NLT RECOVERY AGENCY NOR DO I DESIRE TO. IMMEDIATELY DELETE THE FALSE ALLEDGED DEBT ON MY CONSUMER REPORT. BE ADVISED UNDER 15 USC 1692K I AM TO BE AWARDED {$1000.00} PER VIOLATION FINDINGS AND I AM POINTING OUT A FOUND FDCPA VIOLATION RIGHT NOW. I DEMAND MY DUE DAMAGES BASED ON 15 USC 1692K CIVIL LIABILITY. I DEMAND TO BE MAILED MY {$1000.00} COMPENSATION TO MY MAILING ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. BE ADVISED I AM AWARDED THIS DUE TO YOUR FDCPA VIOLATION. DELETE THIS ALLEDGED DEBT FROM OFF MY CONSUMER REPORT IMMEDIATELY. MY FEDERAL CONSUMER PROTECTION RIGHTS ARE ESTABLISHED BY THE F.T.C AND F.D.C.P.A AND FEDERAL LAW SUPERCEDES AN ALLEDGED DEBT BY A THIRD PARTY DEBT COLLECTOR DELETE THIS ALLEDGED DEBT NOW. AND SEND MY CIVIL AWARD COMPENSATION WHICH I AM DUE IMMEDIATELY DUE TO YOUR FDCPA VIOLATION OF 15 USC 1692D.
Frequently Asked Questions
What is Complaint #6809935 about?
Complaint #6809935 was filed against Nra Group, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2023-04-07T12:00:00-05:00.
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.