Consumer complaint received 2020-11-23
Company: National Credit Adjusters, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For several weeks, I have attempted to get in contact with National Credit Adjusters, and I have been unsuccessful as the collection agency just simply will not respond. My attempts to contact the agency were due to a payday loan reporting on my credit reports ( in which I was not made aware of until XX/XX/XXXX ), in which I immediately sought to settle the debt. Because I was not made aware of such debts, I contacted the original creditor, XXXX XXXX XXXX, in which several representatives mentioned that the account had recently been placed in collections with National Credit Adjusters. 

Upon contacting the collection agency, I received a call back during the week of XX/XX/XXXX, from another agency, XXXX XXXX XXXX, in which they told me that they handled some of the accounts for National Credit Adjusters. I was a bit confused about this as my credit reports do not list this company at all, which is misleading if my account was given to another debt collection agency " to manage '', without any update from National Credit Adjusters or XXXX  XXXX XXXX. However, because I wanted to settle the debt immediately, I proceeded with discussing the account with XXXX XXXX XXXX in which they noted that the balance on the account was {$2300.00}, but that they did not have the original statement from National Credit Adjusters. I proceeded with discussing with the agent that the balance listed on my credit reports had been significantly inflated as the amount borrowed was only {$1700.00}, proving that the reported debt was erroneous. After the representative conducted further research, they then reached out to me to settle the account for {$1400.00}, in which I paid on full on XX/XX/XXXX to have the account completely removed from credit reports. There was an agreement to pay this amount and have the account removed from my credit reports. 

Because the debt technically belongs to National Credit Adjusters, when requested that XXXX XXXX XXXX contacts the credit agencies to have the account updated, they mentioned that they would not be able to do so, but that they would send the agreement to National Credit Adjusters to show that the correct account balance has been paid in full, and that someone from the collections agency would follow up with me by XX/XX/XXXX. The concern is that although the debt has been paid, National Credit Adjusters has failed to reach out to me. I even submitted another request to have someone to follow up with me on XX/XX/XXXX, but as of today, XX/XX/XXXX, there has been no correspondence. 

Since paying the debt on XX/XX/XXXX, I once again began reaching out to the collection agency, but the issues that I faced and continue to face are ( 1 ) no one will respond to my inquiries about removing the paid debt from my credit reports, or ( 2 ) when someone answers the phone, they either place me on hold or the line mysteriously disconnects. I have tried everything in my power to resolve this issue directly with the collections agency but they will not respond to me. Because of this, I am afraid that the debt will continue to report inaccurately on my credit reports since National Credit Adjusters will not respond to any of my requests. I'm also disappointed that National Credit Adjusters has inaccurately inflated my debt in an attempt to collect additional compensation. XXXX  XXXX XXXX has even been notified of the debt being paid and attempted to reach out to the collection agency on my behalf, but they too, have been unsuccessful in getting someone from National Credit Adjusters to follow up with me.

Company response to consumer: Closed with explanation