Consumer complaint received 2021-07-07
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, National Credit Audit Corporation reported an alleged debt to my consumer credit report in the amount of {$2300.00}. Within their reporting, they deceptively list XXXX XXXX XXXX as the original creditor violating my consumer credit rights under the FCRA. Pursuant to 15 U.S. Code 1691a ( e ) only I can be the original creditor to my credit. 

On XX/XX/XXXX, I sent a Validate of Debt letter to National Credit Audit Corporation requesting that they provide all documentation validating the alleged debt. 

On XX/XX/XXXX, National Credit Audit Corporation sent a response letter to my request for validation with numerous consumer rights violations : 1. Pursuant to 15 US Code 1602 ( g ) of the CCPA and 15 U.S. Code 1691a ( e ) FCRA, I am the original creditor and only I can validate any debt associated with my credit. They continues to report XXXX XXXX XXXX as the original creditor violating my consumer rights. 
2. Pursuant to 15 US Code 1601 ( a ) of the Consumer Credit Protection Act ( CCPA ) the response violated my consumer rights because it contained contradicting lease dates that were clear inaccuracies. The response included an alleged lease agreement with a lease period of XX/XX/XXXX through XX/XX/XXXX, while the Move out Statement/Invoice reported a lease period of XX/XX/XXXX, through XX/XX/XXXX. 
3. Pursuant to 15 US Code 1692e ( 2 ) ( A ) of the FDCPA, the inaccurate dates within the documentation violate my consumer rights because they are false, deceptive, and misleading.

4. Pursuant to 15 US Code 1692g ( a ) ( 2 ) of
the FDCPA, National Credit Audit Corporation violated my consumer rights by not getting validation from the original creditor as per the definition of creditor pursuant to 15 US Code 1602 ( g ) of the CCPA and 15 U.S. Code 1691a ( e ) FCRA, prior to reporting this allege debt to my consumer report.

5. Pursuant to 15 US Code 1692g ( a ) ( 2 ) of the FDCPA, National Credit Audit Corporation deceptively stated that they received validation from the original creditor when they had not. 

On XX/XX/XXXX, I sent a response to National Credit Audit Corporation informing them of the numerous consumer rights violations they had committed listed above along with the civil liabilities associated with each violation Pursuant to 15 US Code 1692k ( a ) ( 2 ) Fair Debt Collection Practices Act, 15 US Code 1681n ( a ) ( 1 ) ( A ) Fair Credit Reporting Act, and 15 US Code 1611 Consumer Credit Protection Act. 
XXXX XX/XX/XXXX, National Credit Audit Corporation sent a second response letter ignoring the original consumer rights violations I informed them of, repeating them again in the second response and committing additional violations : 1. Pursuant to 15 US Code 1611 of the CCPA, National Credit Audit Corporation has willfully and knowingly given false and inaccurate information in regard to this alleged debt violating my consumer rights.

2. Pursuant to 15 US Code 1601 ( a ) of the Consumer Credit Protection Act ( CCPA ) the response dated XX/XX/XXXX violated my rights because it contained clear inaccurate after being informed that the information was inaccurate.

3. Pursuant to 15 US Code 1602 ( g ) of the CCPA and 15 U.S. Code 1691a ( e ) FCRA, National Credit Audit Corporation continues to violate my consumer rights by falsely naming XXXX XXXX XXXX as the original creditor even after being provided the true identity of the original creditor per the exact definition of creditor. 
4. The response dated XX/XX/XXXX included an alleged lease agreement with a lease period of XX/XX/XXXX through XX/XX/XXXX, a lease renewal XX/XX/XXXX, through XX/XX/XXXX, along with a Move out Statement/Invoice with a lease period of XX/XX/XXXX, through XX/XX/XXXX. The documentation contained no alleged renewal agreements between the dates of XX/XX/XXXX to XX/XX/XXXX making any alleged lease renewals dated on or after XX/XX/XXXX and all associated alleged debts with these dates invalid. The missing documentation immediately deems the consumer reporting misleading and deceptive pursuant to 15 US Code 1692e ( 2 ) ( A ) of the FDCPA.

5. Pursuant to 15 US Code 1692 ( b ) no debt collector can state that a consumer owes any debt to anyone but the consumer. However, by reporting this alleged debt to my consumer reports, National Credit Audit Corporation has violated my consumer rights under the FDCPA.

6. Pursuant to 15 US Code 1692e ( 2 ) ( A ) the missing alleged renewal agreements violates my consumer rights because the consumer reporting is false, deceptive, and misleading as listed throughout this complaint.

7. Pursuant to 15 US Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 US Code 1681s-2 ( a ) ( 1 ) ( B ) of the FCRA, National Credit Audit Corporation violated my consumer rights when they continued to report this allege debt to my consumer credit report after being notified by me of the inaccuracies.

8. Pursuant to 15 US Code 1692g ( a ) ( 2 ) of the FDCPA, National Credit Audit Corporation violated my consumer rights by not getting validation from the original creditor as per the definition of creditor pursuant to 15 US Code 1602 ( g )
of the CCPA and 15 U.S. Code 1691a ( e ) FCRA, prior to reporting this allege debt to my consumer report.

9. Pursuant to 15 US Code 1692g ( a ) ( 2 ) of the FDCPA, National Credit Audit Corporation did not receive validation from the original creditor violating my consumer rights. They provided a declaration stating they were only required to verify a debt which is false pursuant to 15 US Code 1692g ( a ) ( 2 ).

10. Pursuant to 15 US Code 1692d ( 1 ) no debt colle
ctor can use the threat of harm to any persons reputation, however National Credit Audit Corporation has used my credit report as a means to harm my financial reputation.

11. Pursuant to 15 US Code 1692d ( 4 ), no debt collector can advertise an alleged debt to coerce payment, however National Credit Audit Corporation has advertised this alleged debt to my consumer credit report in attempts to coerce me into paying them, violating my consumer rights.

12. Pursuant to 15 US Code 1681n ( a ) ( 1 ) ( A ) of the FCRA, National Credit Audit Corporation has violated my rights by willfully failing to comply with the requirement imposed under this federal subchapter with respect to my consumer rights.

Company response to consumer: Closed with explanation