Product: Debt collection

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX Subject : XXXX XXXX XXXX National Credit Adjusters , LLC ( NCA ) ________________________________________ I. Summary of Complaint I am submitting this formal complaint against National Credit Adjusters , LLC ( NCA ), regarding a debt listed on my credit report with an open balance of {$370.00}. This debt is currently marked as placed for collection, and I have disputed its accuracy. Despite my repeated attempts to validate this debt, NCA has failed to provide proper documentation to confirm the debts legitimacy, ownership, and compliance with federal and state laws. 
Specifically, NCA has not provided : XXXX. The original signed agreement showing my liability for the debt. 
XXXX. A complete accounting of the debt, including interest or fees applied. 
XXXX. Documentation establishing a clear chain of title to prove ownership of the debt by NCA. 
XXXX. Verification of the Date of Last Action on this debt XXXX. The Statute of Limitations in the pursuit of this debt for the state this debt originated in. 
________________________________________ XXXX. Legal Violations National Credit Adjusters , LLC may be in violation of the following laws and regulations : XXXX. Fair Debt Collection Practices Act ( FDCPA ) o 807 ( 15 U.S.C. 1692e ) : Prohibits misrepresentation of the debt 's ownership, amount, or status.

o 809 ( 15 U.S.C. 1692g ) : Requires the debt collector to provide a detailed validation of the debt upon request, including a signed agreement and documentation of ownership. 
XXXX. Fair Credit Reporting Act ( FCRA ) o 623 ( 15 U.S.C. 1681s-2 ) : Mandates accurate reporting of debts to credit bureaus.

o 605 ( 15 U.S.C. 1681c ) : Limits the timeframe for reporting derogatory information based on the Date of First Delinquency. 
XXXX. State Laws ( Georgia ) o Georgia Fair Business Practices Act : Prohibits unfair and deceptive practices by debt collectors, including misrepresentation. 
________________________________________ XXXX. Procedural and Substantive Deficiencies The account lacks adequate documentation and validation, including : No evidence of a signed original contract to prove the alleged debt is valid. 
No response to my Metro 2 compliance request for proper credit reporting standards. 
Misleading representation of the debts ownership and status on my credit report. 
________________________________________ XXXX. Request for Investigation and Relief I respectfully request the CFPB investigate National Credit Adjusters , LLC for potential systemic violations of federal and state consumer protection laws. Specifically, I request that the CFPB : XXXX. Compel NCA to provide the following : o The original signed agreement establishing my liability. 
o A detailed accounting of the debt. 
o Documentation of the chain of title to prove NCAs ownership of the debt. 
XXXX. Require the removal of the disputed account from my credit report if NCA fails to provide the requested validation. 
XXXX. Impose fines or other corrective actions on NCA for failing to comply with the FDCPA, FCRA, and Georgia state laws. 
________________________________________ XXXX Conclusion I believe this matter reflects systemic issues in NCAs practices that harm not only me but also other consumers. I urge the CFPB to act swiftly and hold NCA accountable for its failure to comply with the law. 
Thank you for your attention to this matter. 

Enclosure : XXXX. ) Copy of my driver license XXXX. ) Copy of the trade line on my credit reports. 

Sincerely, XXXX XXXX