Consumer complaint received 2020-10-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received an alert from my credit monitoring accounts that I received a new derogatory remark on my credit files.It shows that I opened an account in XX/XX/XXXX, and it was charged off XX/XX/XXXX. I believe this is fraudulent activity and a violation of my consumer rights. I have never received a bill or letter in the mail, or a phone about my ability to dispute the validity of this account. Furthermore, I looked at some of the older accounts on my credit report that were settled and closed years ago, in preparation for me to buy a home, and noticed there is an account for the same dollar amount that was resolved in XXXX. I feel that this credit collection company is targeting me due to prevent me to close on my mortgage. Ironically, they also are falsifying the report and activity date to be in alignment with the time I started pursuing and applying for mortgages in XX/XX/XXXX. There are also complaints about this practice on various credit monitoring sites. This debt is fraudulent and the collection agency can not report to the credit bureaus without evidence that this is a valid debt for which they can pursue collection activity. They also can not report derogatory information as if it is brand new account in attempts to lower my credit score.  It is my belief that they checked my credit report, and saw a mortgage inquiry and have replaced this collection account on my report in an attempt to illegally extort payment from me. I am currently scheduled to close on my mortgage next week. Additionally, they ensured this was added to my report on a weekend where all businesses are closed and I can't dispute this timely. It has significantly dropped my credit scrore! I also wonder if these agencies are able to see that I am applying for a mortgage if they are always XXXX profiling when minorities are applying for home loans and near closing. I would like to company investigated for violating the following information : 1 ) While the open dates for these collections will vary, they all must retain the delinquency date connected to the original charge-off. They are aware that I never had a current account with them. If this is related to an older debt, they have intentionally violated my rights as a consumer, and the credit laws by falsifying the reporting and activity dates. 2 ) The credit laws protect my rights by requiring businesses to give all consumers a fair and equal opportunity to get credit and to resolve disputes over credit errors. I was not given this right because this credit agency neglected to contact me for this fraudulent account. 3 ) This company has also violated my rights according to the FCRA ; which give instructions for companies that report information to the credit bureaus and consumer reporting agencies. These companies aren't allowed to report inaccurate information, must let me know if negative information has been reported to the credit bureaus, must update inaccurate information that was previously given to the credit bureaus and can not report any accounts that you've notified them are the result of identity theft.I plan to contact my attorney on Monday about my rights, and about the unfair business practices from this company, XXXX XXXX XXXX. 
Account Number : Creditor Name : XXXX  Industry Type : Other Collection Agencies Address : XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone : Amount Delinquent : Account Balance : {$480.00} Payment Status : Collection/Chargeoff Creditor Preferred Contact : Other Consumer Statement : Placed for collection

Company response to consumer: Closed with explanation