National Credit Adjusters, LLC

Dear NCA I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.…

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Validation of Debt Request - NATIONAL CREDIT ADJUST - XXXXXXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

As I saw a little payper informing about a new unrecognized attempt to collect a debt I inmediately answer to them that I will dispute it. Then a few weeks later I saw a unrecognized collection account in my Credit file by a Company which is not completely accredited at the moment I researched about them. I disputed two times by XXXX online and also by phone call, and a visible note of statement is written and visible in my file for the 3 Bureaus and all the lenders. I can add more details of course now. I did not know before about this way to report fraud, but I never accepted that false unfair collection account which can affect my credit history for several years with negative mark, and for a fraudulent traded debt of ridiculous amount. It was done for sure by miserable and non ethic people who want to affect others unproperly.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

National Credit Adjusters CFPB Complaint I am filing this complaint against National Credit Adjusters regarding a fraudulent account being reported or furnished in my name. According to my FTC Identity Theft Report, I am a victim of identity theft, and National Credit Adjusters NCA is listed as an account affected by the crime. My FTC Report No. is XXXX, and my statement in that report says none of the listed items belong to me. I never signed a contract with National Credit Adjusters. I never authorized this company to open, own, collect, purchase, assign, or report any account in my name. The presence of this account is disputed in full as fraud and identity theft. My FTC report identifies National Credit Adjusters NCA as a fraudulent account I discovered in XX/XX/year>. National Credit Adjusters has no lawful basis to continue furnishing this account if it can not produce competent documentary proof tying this alleged debt to me.…

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I am writing in response to your listing of a collection account on my credit report from XXXX : I received my credit report on XX/XX/year>. The account in question is listed as follows : Collection Agency : National Credit Adjusters LLC Account Number : XXXX Amount : {$1400.00} Original Creditor : XXXX XXXX I am formally disputing this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. This letter is a formal request that you provide me with competent evidence that : I have a legal obligation to pay this debt to National Credit Adjusters LLC You have the legal right to collect this debt. You provided me with written notice of this debt as required by law. Please provide me with the following information to satisfy my request for validation : The original signed loan or credit agreement with XXXX XXXX that bears my signature.…

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I am filing this complaint regarding inaccurate and unverified debt reporting by National Credit Adjusters. National Credit Adjusters is reporting XXXX collection accounts on my credit report in the amounts of {$130.00} and {$190.00}. I previously sent a written request for validation of these alleged debts, requesting documentation including a signed contract, complete payment history, and documentation showing I am legally responsible for the accounts. National Credit Adjusters failed to provide any of the requested documentation. Instead, the accounts continue to be reported and have been marked as verified with the credit bureaus. I also disputed these accounts with the credit bureaus, and they were verified without any documentation being provided to me explaining how the verification was conducted. To date, I have not received any evidence that I am legally obligated for these debts.…

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I am filing a complaint regarding inaccurate credit reporting by National Credit Adjusters. I have disputed this account twice with XXXX and provided documentation from the original creditor. Despite this, the company continues to report incorrect information. The account in question originated on XX/XX/XXXX, with a first payment due on XX/XX/XXXX. The account became delinquent in XX/XX/XXXX and was placed into collections shortly after on XX/XX/XXXX. National Credit Adjusters is currently reporting the Date of First Delinquency as XX/XX/XXXX. This appears to be based on the date the debt was acquired ( XX/XX/XXXX ), which is not the correct standard for reporting delinquency. The Date of First Delinquency should reflect when the account first became delinquent and was never brought current, which in this case is XX/XX/XXXX. XXXX XX/XX/XXXX instead of XX/XX/XXXX appears to be an unlawful re-aging of the account in violation of the Fair Credit Reporting Act.…

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National Credit XXXX ( NCA ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint against NCA because they are violating both the FDCPA and the FCRA. I sent a formal request for debt validation, but they ignored me and continued to report this account to my credit files. The main issues are : No Proof of Debt : Under 15 U.S.C. XXXX ( b ), a collector must stop reporting a debt until they provide physical proof ( like a signed contract ). NCA has provided nothing, yet they are still reporting this to the bureaus. Dishonest Reporting : My XXXX report from XX/XX/year> shows NCA " verified '' the account but marked it as " Account not disputed. '' This is a direct violation of FCRA Section XXXX ( a ) ( XXXX ). They can not acknowledge my dispute and then tell the credit bureaus that no dispute exists. By reporting an account as " verified '' while failing to respond to my validation request, NCA is reporting inaccurate and unreliable data.

NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I requested that National Credit Adjusters to provide the following documentation : The name and address of the original creditor A copy of the original contract or agreement bearing my signature A complete payment history, including how the amount of {$480.00} was calculated Documentation showing that National Credit Adjusters , LLC has been assigned or purchased this debt and has legal standing to collect Proof that I agreed to any terms, fees, or interest being charged Verification of the date of default and whether the debt is within the applicable statute of limitations All they sent was a copy of a statement on XX/XX/year> via mail

NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am filing a complaint regarding inaccurate and potentially illegal reporting on my credit file. A collection account from National Credit Adjusters ( NCA ), originally from XXXX, is being reported with a Date Opened of XX/XX/year>. However, this does not reflect the original date of first delinquency. This debt is over 7 years old and should no longer be reported under the Fair Credit Reporting Act ( FCRA ). The collection agency appears to have re-aged the account by updating dates, which is misleading and unlawful. I previously disputed this account with XXXX, and it was verified as accurate, but they failed to provide the method of verification or the original date of first delinquency. I am requesting : Immediate deletion of this account from my credit report Documentation showing the original date of first delinquency Explanation of how this account was verified If this can not be validated properly, it must be removed immediately.…

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NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

NATIONAL CREDIT ADJU is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is xxx XXXX is falsely reporting XXXX my credit file XXXX is against my rights XXXX fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

NATIONAL CREDIT ADJU is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJU is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

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I am submitting this complaint regarding National Credit Adjusters for reporting a debt that I do not recognize and that has not been properly verified. The account reflects a balance of {$4600.00}. I have not received sufficient documentation to confirm the validity or ownership of this debt. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that National Credit Adjusters provide proper verification, including : - Original creditor information - A signed agreement or contract - Complete payment history - Proof of legal ownership and authority to collect this debt At this time, this information has not been provided. Reporting unverified or inaccurate information is a violation of XXXX law. I request that this account be fully investigated and removed if it can not be properly verified.

I am disputing an account reported by National Credit Adjusters. I sent certified letters requesting debt validation, including receipts, but they failed to provide documentation proving this debt is mine. Despite my dispute, they continue reporting the account on my credit report. I also disputed the account with the credit bureaus, but it was still marked as verified. This account is inaccurate and harms my credit. I am requesting its removal under the Fair Credit Reporting Act ( FCRA ).

I am filing this complaint against National Credit Adjusters regarding an unverified collection account being reported on my credit report. This account is listed with a balance of approximately {$610.00} and is negatively impacting my credit. I have previously disputed this account with the credit bureaus, and it was marked as verified. However, I have not received any documentation from National Credit Adjusters that proves this debt is valid or that they have the legal right to collect it. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting proper validation of this debt.…

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I am filing this complaint against National Credit Adjusters ( NCA ) regarding the reporting of Account # XXXX. I have recently received a communication from NCA ( enclosed ) where they explicitly admit that " because of the age of your debt, National Credit Adjusters , LLC can not sue you for it, and National Credit Adjusters , LLC will not sue you for it. '' This confirms that the debt is time-barred under Virginia 's XXXX statute of limitations. Furthermore, the transaction ledger provided by NCA shows a predatory interest rate of XXXX XXXX XXXX. This makes the reported balance of {$1400.00} inaccurate and mathematically unverifiable based on the original agreement 's legal standing. Because NCA has admitted this debt is legally unenforceable and the reported balance is based on predatory calculations, I am requesting that the CFPB direct NCA to cease all reporting of this obsolete and unverified trade line to the credit bureaus immediately.…

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National credit adjusters llc has failed repeatedly to send a debt validation letter upon my requests, they will not remove from credit file either. They are illegally reporting {$1100.00} debt on my credit file by reaging the account, and they are reporting the debt with different dates on XXXX XXXX, and XXXX. None of the information they are reporting is accurate

This account with XXXX XXXX was included in my XXXX XXXX bankruptcy and legally discharged in XXXX. Despite this, the account continues to be reported as a charged-off account, which is inaccurate and misleading. On XX/XX/XXXX, I sent certified letters to both XXXX XXXX and National Credit Adjusters LLC requesting validation of the debt and correction of the reporting. I have proof of certified mailing. The companies failed to provide proper validation or correct the inaccurate reporting. Instead, the account continues to appear on my credit report in a way that negatively impacts my creditworthiness. Additionally, the debt was sold to a third-party collection agency, yet the original creditor is still reporting the account inaccurately. This creates duplicate and misleading reporting. This behavior violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as well as the bankruptcy discharge injunction under 11 U.S.C. 524.…

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NATIONAL CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am filing this complaint regarding a collection account being reported by NCA and National Credit Adjust ( Original Creditor : XXXX XXXX. Upon reviewing my credit reports, I discovered that the same alleged debt is being reported by multiple collection agencies simultaneously with identical balances and account details. Both NCA and National Credit Adjust are reporting the same account with the same balance and similar account numbers, which constitutes duplicate collection reporting. Additionally, the account is being reported with conflicting information, including : * Different account statuses ( collection vs open account vs late status ) * Inconsistent payment status and history * Conflicting date of last activity and payment information This raises serious concerns regarding the accuracy and legality of the reporting. Multiple collection agencies reporting the same debt simultaneously is misleading and violates the requirement for accurate and non-duplicative reporting.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Validation of Debt Request - NATIONAL CREDIT ADJU XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I want to express how extremely frustrating and distressing this situation has been. I discovered a debt on my record that I have no knowledge of and did not incur. This account remains unverified and does not belong to me. Since its appearance, I have been subjected to repeated communications and collection attempts through multiple channels, including threats of legal action. This treatment is unacceptable and deeply concerning. As a law-abiding consumer, it is alarming to have my rights disregarded in this manner. The ongoing harassment and the presence of this inaccurate account have taken a serious toll on my well-being, causing significant XXXX and sleepless nights.