Consumer complaint received 2018-05-07
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Alleged outdated XX/XX/XXXX debt bought ( assumed ) by collection company National Credit Adjusters LLC for {$780.00} called close family member onXX/XX/XXXX at XXXXhrs EST and disclosed alleged debt of XXXX XXXX Had harassing tone. Family member declared a significant amount of times that he does not know of debt disclosed by collection company but for company to send it to his email. Collection company asked for his email to send it but harrasingly kept asking about setting up payment for my alleged unverified disputed debt. Finally family member was able to leave the recorded phone call after declaring repeatedly that he would call them to follow up once he received the information in his email. Prior to calling and harassing my family member for money/payments, they attempted to call me on the number they have for me but I was unavailable. Once I was available, I called them back and requested during their recorded phone call to communicate with me regarding the alleged debt in writing and to not contact anyone else that is affiliated with me. The representative immediately attempted to cut me off and started raising his tone. I hung up the phone and I promptly drafted the following letter : To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$780.00}. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-bPlease Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation