Consumer complaint received 2022-05-20
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It says on my credit that the date this was opened XX/XX/2018. Balance owed is XXXX They are not original debtor. 
I called the company reporting and they said they are not original company. They asked for last four of my social and date of birth and address to look up my account but when I asked them to give me my information to confirm this account is legit she told me all the have is my address, last 4 of my social and date of birth. Which is exact information I just gave them to find my account. Then I asked which bank was the loan amount sent to she told it was % XXXX for Bank XXXX XXXX. Thats how I knew it was fraud and Identity theft one or both. I have had the same bank account for over 20 years and have never and have always had enough money to cover the amount thats 1st 2nd I dont do payday loans by web. I asked for the name on the bank XXXX XXXX account she said that information wasnt available I said if it was it would 100 % not show me as the owner of that bank account because I have never banked with bank XXXX XXXX in my life. She told me do I know someone that does. I told her what kind of question is that? She got irritated with me. I then asked her to send proof with complete details she said it would take several weeks. Then I stated to her the only proof you have is a fake bank account and the information I just gave you over the phone which wasnt smart for doing that. Again that was last 4 of social, Address and Date of birth. I did get several alerts over the past few years that my social was found on the dark web and the truth is I didnt even know I was a victim of fraud till I was ready to buy a house and they told me I only have XXXX collection on my credit and I told them that is not possible I pay my bills perfect and I told them especially for such a low amount because there is always enough money in my bank to clear that. Then I found out its fraud and a bank account thats not mine. Im trying to buy a house and my mortgage person said this account is lowering my score. I refuse to pay the amount because it would be admitting that I committed this crime and you have my permission to view my credit to see my bills are paid perfect and there is no way I would let my credit be affected by this. I apologize for the long story. Im just really angry someone can get your info off dark web and fraud you and hurt your credit like this. I have since signed up for several fraud protections. Also this company I called mentioned the only way I could have this removed was to file a police report and send them a copy. I went down to the police dept to file a report of identity theft and they told me that is a courtesy they can do if they want and they dont have to by law and the officer told me they dont have the time or resources to do so but did give me a card with his badge number and a case # to show that I went down to file police report. I have that as well. I really hope you can help me get this fraudulent account removed from my credit and possibly find the culprit that committed this crime. Thank you for your time. I was referred by a previous fraud victim that spoke very highly of your company. I truly pray your company can help me resolve this.

Company response to consumer: Closed with explanation