Consumer complaint received 2022-04-04
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently submitted a complaint ( Case # XXXX ), and the company responded in regard to the Cease and Desist ; being that CEASE and DESIST was warranted by LAW because NATIONAL CREDIT ADJUSTERS has no right or contract to have access to my consumer credit report. However, NATIONAL CREDIT ADJUSTERS was not able to provide receipt of any contract I have with them, owing said debt. I have not been in any communication in any form with NATIONAL CREDIT ADJUSTERS and I urge them to delete all information from their company from all three consumer reporting agencies ( XXXX, XXXX, and XXXX. The Cease and Desist was warranted. However, the company ( National Credit Adjusters ) is still violating my rights as a consumer. No communication or tracking has been provided to me nor have I ( federally protected consumer ) validated said debt with National Credit Adjusters and they are committing aggravated identity theft in accordance with 18 USC 1028A and Debt Parking. In violations of the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act ; National Credit Adjusters has purported debts on my consumer credit reports without first attempting to communicate with the consumer about the debt. National Credit Adjusters has still not sent receipt of any communication thereof. I have not disputed this debt, validated this debt, nor been in communication or have signed any agreement to pay said debt. I am protected by the assignee clause and National Credit Adjusters is in violation of 15 U.S Code 1692e ( 12 ). Both National Credit Adjusters and said Debtor are both held liable by law. National Credit Adjusters and said Debtor have committed Aggravated Identity theft by mishandling personal information to create debt and has caused harm to my well being. This law is in accordance with Section 1028 ( a ) ( 7 ). NATIONAL CREDIT ADJUSTERS responded to my compliant stating they will reach to said " Orignal Debtor '' for validity and request account documentation. Which is further violation of 15 U.S Code 1692e ( 12 ) I have never given any personal information or permission to NATIONAL CREDIT ADJUSTERS to obtain copies of my consumer credit reports nor add negative items to my report. Which is in violation of 18 USC 891 Section 7 by committing extortion against me to cause harm to my reputation and that is a CRIMINAL ACT. Per the Federal Trade Commission ; the case FEDERAL TRADE COMMISSION vXXXX XXXX XXXX XXXX, strictly prohibits " DEBT PARKING '' and NATIONAL CREDIT ADJUSTERS is in violation. NATIONAL CREDIT ADJUSTERS have in numerous instances, in connection with the collection of debts, have directly and indirectly used unfair and unethical means to collect/attempt to collect, by furnishing information regarding a debt to consumer before communicating with me ( consumer ) about the debt, in violation of Section 808 of the FDCPA, 15 U.S.C 1692f. NATIONAL CREDIT ADJUSTERS have, on numerous occasions, in the attempt to collect debts have implicated that I, the consumer am delinquent on a pay day loan that they have the authority to collect. This is misleading and criminally negligent information. The representations set forth in this paragraph constitute a deceptive act or practice, in or affecting commerce in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). NATIONAL CREDIT ADJUSTERS is also committing mail fraud by attempting to obtain money by means of false and fraudulent pretenses, in violation of 18 U.S Code 1341

Company response to consumer: Closed with explanation