National Credit Adjusters, LLC

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 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.

emails communications about an account on my credit file

I have disputed this debt on XX/XX/year> regarding {$120.00}, and {$260.00} debt amounts owed, and the debt has not been removed from my credit reports. The debt collector has verified this debt as accurate with XXXX, but this is not correct information. Upon trying to resolve this debt collection, it states this debt is from XXXX XXXX XXXX XXXX XXXX, which I have resolved already. This has caused undue financial hardship and distress for me, which has negatively impacted my credit, and I want to have this debt removed from my XXXX XXXX XXXX XXXX reports immediately.

To Whom It May Concern, I am formally disputing the accuracy and completeness of the account listed on my credit report with your company I request that you conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). If this account can not be fully verified with competent, accurate, and complete documentation, it must be deleted from my credit file. Verification should include, but is not limited to : The original signed contract or agreement bearing my signature that created the alleged obligation. A complete payment history from the original creditor. Itemized invoices, billing statements, or account records supporting the balance being reported. Documentation showing how the current balance, including any fees, interest, or charges, was calculated. Documentation establishing the legal authority of the reporting entity to collect or report this debt. The date of first delinquency and all dates of activity being reported to the credit bureaus.…

Im writing to file a complaint against NATIONAL CREDIT ADJU for violating my consumer rights under XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in XXXX CFR XXXX ( b ) ( XXXX ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under XXXX CFR XXXX ( c ) ( XXXX ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | XXXX : XX/XX/XXXX XX/XX/XXXX National Credit Adjusters , L.L.C XXXX XXXX XXXX XXXX XXXX XXXX KS, XXXX Subject : Debt Validation Request Under FDCPA Dear National Credit Adjusters , L.L.C, I am responding to your recent communication regarding an alleged debt that you claim I owe. This letter is a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : XXXX. The name of the original creditor XXXX. The original account number XXXX. A full itemized breakdown of the alleged debt, including all fees, interest, and charges XXXX. A copy of the original signed agreement or contract bearing my signature XXXX. Proof that you are legally authorized to collect this debt in my state XXXX.…

To Whom It May Concern, I am writing in response to your contacts regarding the alleged debt. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. In particular, I request the following : Verification that you are authorized to collect this debt. The original creditors name, address, and the account number. The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges. A copy of any judgment. Documentation bearing my signature that shows I agreed to assume this debt. Until you provide the requested validation, please cease all collection activities, including reporting this debt to any credit bureaus. If you have already reported it, kindly notify them that the debt is disputed. This letter is not a refusal to pay, but a notice that your claim is disputed and that I am requesting proof. Please respond to this request in writing at the address listed above.…

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX Louisiana XXXX Louisiana NATIONAL CREDIT ADJUST XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/year> Account Number : XXXX Amount : NATIONAL CREDIT ADJUST - XXXX : {$400.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

I did not apply for or authorize this payday loan. I became aware of the account through my credit report. I believe this may be fraud or identity theft. I am requesting that the company investigate this account, provide all application and identity verification records used to open it, and remove it from my credit report if it can not be fully verified.

I am submitting this complaint because * * National Credit Adjusters ( NCA ) * * continues to report a collection account on my consumer credit reports that I believe is inaccurate, incomplete, misleading, and has not been properly verified as required by the Fair Credit Reporting Act ( FCRA ). I have exercised my rights under the FCRA by disputing this account with the consumer reporting agencies and requesting that a reasonable reinvestigation be conducted. Despite my dispute, the collection account continues to be reported without National Credit Adjusters providing competent documentary evidence demonstrating that the information is accurate or that it has the legal authority to report and collect the alleged debt. Instead of receiving documentation supporting the reporting of the account, I have received generalized responses indicating that the account was " verified.…

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items XXXX XXXX The amount you claim the respondent owes you XXXX An explanation showing me how you have computed the amount.…

I filed bankruptcy in XXXX. XXXX XXXX was included and any debts I owed to them was discharged. In XXXX of XXXX XXXX XXXX said there was an account opened without them and a loan taken out. After filing bankruptcy you can not receive a payday loan from XXXX XXXX. Im certain I never received a payday loan from them after filing bankruptcy. XXXX XXXX had a date breach where my social security number and personal identification for leaked through the dark web as well. I have tried contacting them but they were unwilling to resolve the issue. There was information on file that does not match my personal information.

b'I am filing this complaint against National Credit Adjusters, LLC ("NCA") regarding their continued attempt to collect a debt that is void and unenforceable under California law, and their repeated failure to provide adequate debt validation as required under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.\n\nBACKGROUND\n\nIn approximately XXXX XXXX, NCA began reporting a collection account (Account No. XXXX original account No. XXXX) to my credit reports, claiming a balance of $XXXX. NCA placed repeated telephone calls to me beginning before I was aware of their identity. I did not recognize these calls and did not answer them.\n\nOn XXXX XXXX XXXX, I filed a dispute with XXXX regarding this account. On XXXX XXXX XXXX XXXX returned the account as "VERIFIED AS ACCURATE" with no substantive explanation of how this verification was conducted.…

I have a medical bill on my account XXXX XXXX know where that XXXX from

I do not have a XXXX account. I have asked for this debt to be removed. It continues to be reported to my credit.

The damages claimed by XXXX XXXX are false and inaccurate. The items listed in the move-out charges do not reflect actual tenant-caused damage. I have email records showing XXXX XXXX was aware of ongoing issues and conditions within the unit during my tenancy. The charges submitted to XXXX include carpet replacement, wall patching and painting, tub repairs, tile repairs, and blinds. These charges either relate to ordinary wear and tear, pre-existing conditions, or maintenance issues known to management. For example, the carpet only showed normal wear from lawful occupancy, there were no pets in the unit, and there was no unusual damage that would justify full replacement. XXXX accepted and paid these charges without properly verifying whether the landlords claim was valid under the Tenant Bond Agreement. Under that agreement, reimbursement is only owed if the landlord submits a valid claim in strict compliance with the lease.…

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

They kept reporting account to credit agencies as varied accurate. However demanding them to supply method of verification and I do not agreed with them investigating and request a full investigation again. I have an FTC report number XXXX identity theft report.

To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount.…

I was a victim of Identity theft in XXXX there were multiple accounts opened up in my name fraudulently. NCA is reporting a collection account that is fraudulent and I want to submit a formal complaint against them. have identified the accounts and now am able and have the spirit to fight this challenge and work on getting my life back. I work full time and raise a family and this has caused a great deal of stress on my family. Filed the FTC Fraud report and contacted the companies reporting the information as well as contacted the police. Please help me fight this and get my issues resolved. Thank you

XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Oh XXXX XX/XX/year> National Credit Adjusters ( NCA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX RE : Formal Dispute and Demand for Validation Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Alleged Balance : {$1000.00} To Whom It May Concern : I am writing to formally dispute the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). I have reviewed my consumer credit reports and found serious concerns regarding the accuracy, completeness, and verifiability of this alleged debt. I do not acknowledge liability for this account and demand that your company provide competent evidence that I have a legal obligation to pay. Specifically, I request the following : 1. A complete accounting of the alleged debt. 2. A copy of the original signed agreement bearing my signature. 3.…

NOT A DUPLICATE THIS IS A DIRECT REBUTTLE TO RESPONSE ON CFPB Complaint Rebuttal Complaint Number : XXXX I am submitting this rebuttal because XXXX XXXX and National Credit Adjusters have failed to adequately investigate my fraud claim and have failed to provide sufficient evidence that I incurred, authorized, received, or benefited from this alleged debt. I continue to dispute this account in its entirety. This account is fraudulent, does not belong to me, and was opened by an unknown third party using my personal information without my knowledge, authorization, or consent. The documentation provided in response to my complaint does not validate this debt. Instead, it raises additional questions regarding the identity of the individual who actually applied for and received the loan proceeds. The documents provided indicate that this was an online loan application allegedly submitted on or about XX/XX/year> using an electronic signature.…

NATIONAL CREDIT XXXX 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 XXXX 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.

The company keeps calling my job. My XXXX already talked to me about receiving personal calls to my work. I can lose my job for all these repeated calls. Ive asked them to remove me from their call list but they continue to call.

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 XXXXXXXX XXXX XXXX XXXX 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.

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

I am filing this complaint against NATIONAL CREDIT ADJUSTERS, located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$990.00} originally owed to XXXX XXXXXXXX XXXX XXXX XXXX, Account NoXXXX XXXX XXXXXXXX, on my consumer credit reports with Experian, Equifax, and/or TransUnion. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C.…

I am formally disputing the accuracy, completeness, and verifiability of the account reported as " XXXX XXXX XXXX '' on my consumer credit report. Pursuant to the Fair Credit Reporting Act ( FCRA 611 and 623 ), please conduct a reasonable investigation and verify : Account ownership and contractual liability Complete payment history Date of First Delinquency Current balance and past due amount Account status and reporting accuracy Compliance with XXXX XXXX reporting standards If you can not provide competent evidence verifying every element being reported, I request deletion of the account from my consumer file. Please provide : 1. Method of verification. 2. Name and contact information of the data furnisher. 3. Copies of documents used to verify the account. 4. Updated credit report reflecting investigation results. Sincerely, XXXX XXXX

* * Consumer Financial Protection Bureau Complaint * * * * Company : * * National Credit Adjusters , LLC * * Account Information * * * Balance Reported : {$1000.00} * Highest Balance Reported : {$1000.00} * Date Opened : XX/XX/year> * Account Status : Open Collection Account * Responsibility : Individual Account * Original Creditor : Not Reported/ Unknown * Remarks : Collection Account * * Complaint * * I am filing this complaint against National Credit Adjusters , LLC regarding a collection account being reported on my consumer credit reports that I dispute. National Credit Adjusters is reporting a collection account with a balance of {$1000.00}. I dispute the validity, ownership, completeness, and accuracy of this alleged debt. A significant concern is that the original creditor is not identified on the credit report.…