Consumer complaint received 2021-07-20
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:
Since XX/XX/XXXX, I have file several complaints against National Credit Adjusters ( NCA ) regard inaccurate and contradictory information on my credit report. In response to my initial complaint, in which I provided documentation to prove my claims, NCA responded by stating one of the accounts in question, Acct ID XXXX, has been paid in full and showing a {$0.00} balance as of XXXX, XXXX, XXXX. NCA did not report this account to credit bureaus. The company also stated the other second account, Acct ID XXXX, has a balance of {$400.00}. In order to validate your XXXX XXXX accounts, we have included with this response a copy of the original account documentation for both accounts. 

The documentation NCA provided was dated XX/XX/XXXX and listed an address that I had not resided at since XXXX, did not bear my signature and, outside of a former address ( which could be found online ), did not provide any identification information that would prove that I signed for this account. The documentation NCA provided failed to prove either of the accounts belonged to me. 

In addition to failing to provide proof, NCA stated that the account with Acct ID XXXX was paid in full and the company did not report this to account to the credit bureaus. However, in my follow up complaint, submitted XX/XX/XXXX, I was able to provide a copy of my credit report showing NCA reported both accounts as being in collection as recent as XX/XX/XXXX. In my second complaint against NCA, I requested that this account me removed from my credit reports and any real evidence the accounts belonged to me be sent to me as the documentation NCA provided failed to prove the accounts were valid. Shortly after my second complaint, NCA responded XXXX XX/XX/XXXX ) stating NCA has moved your accounts into a temporary fraudulent status..If you have reason to believe that someone is using your information to open accounts in your name without your knowledge or consent, we suggest filing a police report. Temporarily moving these accounts to a fraudulent status does not satisfy NCAs require to provide proof of debt. NCA has repeatedly failed to provide proof and appears to be trying to cover up their actions will shady maneuvers. I did not ask to have these accounts put into a temporary fraudulent state. I asked that NCA provide a validation of debt that shows a signature, social security number or any other information that would connect these debts to me, outside of my previous contact information that is public information On top of this, I recently ( XX/XX/XXXX XXXX pulled my credit report and saw that NCA is still reporting Acct ID XXXX and Acct ID XXXX as past due, with both showing a balance of {$XXXX} and fought against disputes I submitted directly to XXXX  regarding the accuracy and legitimacy of both accounts. 

As I stated in my previous two complaints, I would like both accounts ( Acct ID XXXX and Acct ID XXXX ) permanently removed from my credit report and all debt collection attempts to stop. NCAs actions have repeatedly gone against the statement company has made in response to my complaints. NCA continues to report incorrect information to the credit bureaus, contradicts itself in statements and has failed to provide validation of debt. 

In good faith, I have tried to go through the Consumer Protection Financial Bureau to resolve these issues. However, it seems that NCA is not willing to do so. If this situation is not correctly rectified, I will be forced to take legal action.

Company response to consumer: Closed with explanation