Consumer complaint received 2020-11-08
Company: National Credit Adjusters, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the following information that appears on my [ XX/XX/XXXXor XXXX  or XXXX XXXX consumer report ( s ) : Dispute-1 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX  . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : A letter date : XXXX XXXX,2020. 
Explanation of item being disputed : o I received a notification of a response from The XXXX XXXX XXXX. That my fraud complaint had a response from the company falsely listing a debt on my credit report. In remiss this letter a person named XXXX XXXX XXXX, esp. addressed me as XXXX XXXX XXXX Which is not my name as the duplicities attempted to codify my identity with his fraudulent debt claim. By conjuring false identities for me which would then appear on my Credit Report and other platforms for public reference. Creating these false Identities directly effects my lively hood. As I am subject to regulatory security checks per my employer. When this false name appears if gives the false impression, I have a fake identity. This causes me to lose consideration for Contracts, raises, Investments, Etc.

o After researching this company, I was able to discover that NCA has multiple complaints of a similar nature. While XXXX XXXX  has been investigated multiple times by the FBI for their fraudulent acts. I then contacted this company ; but prior to sending the letter to the XX/XX/XXXX, I notified the AG of XX/XX/XXXX and the Consumer Finance Division of my legal name. As to prove this company is using unethical, Fraudulent, Defamation tactics to collect debts they know are not legitimate. I provided the three recording of NCA Staff making false names, refusing to provide dispute information, lying about escalating the matter at hand. True to form NCA- XXXX XXXX XXXX , esp . made an abhorrent, fraudulent, and passive aggressive attempts to get me to respond to a name that is not mine. I have tried to resolve this matter without out escalating it to XXXX  Court. But my efforts have failed and need to moved forward in the process. 
o This matter was closed on XXXX XXXX2020 by XXXX XXXX XXXX , esp . of NCA. Though the was no actual resolution. Just a remiss attempt to pacify me. While giving the bare minimum to adhere to the legal standard. 
. 

This account was originated by XXXX XXXX XXXX XXXX. After reviewing several sources these individuals have been under investigation for these types of Fraudulent acts by the FBI. This information should not have been allowed to be placed on my reports. Now I have verifiable proof that NCA has attempted to collect a debt that is fraudulent. As well as falsify a fraudulent identity to legitimize the fraudulent debt in question. 

Resolution : Remove item Exponentially. 


Thank you for your assistance. 

Sincerely, [ XXXX XXXX. ]

Company response to consumer: Closed with explanation