Consumer complaint received 2019-06-07
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX. Earlier in the year, I pulled my credit report and notice that I had a collection account reporting on my credit report from National Credit Adjusters stating that I owed a debt given to them by the original creditor, The XXXX XXXX. On XX/XX/2019 I send National Credit Adjusters communication stating that I was disputing the validity of the debt that was reporting on my credit report. ( See Attached Doc 1 ) In that letter, I stated that I never received a " Notice of Debt '' which is something all debt collectors must do before reporting a debt to a consumers credit report or they must send it out to the consumer 5 days after the initial communication with the consumer. National Credit Adjusters didn't do either, which is a violation of the FDCPA. Furthermore, I asked them to send me communication explaining what the debt was, a calculation of the amount they say I owe, and a signed contract to help validate this debt. National Credit Adjusters didn't do that either, which is another violation of the FDCPA. Instead, NCA sent me communications on XX/XX/2019 explaining that 30 days wasn't enough time to investigate the account and they would cease collecting on this debt and update the credit bureaus to reflect that. They didn't do that either, which is another violation of the FDCPA. ( See Attached Doc 2 ) NCA KNOWS they have 30 days to conduct a reasonable investigation or removed the account from my credit report. For some apparent reason, NCA doesn't want to follow the LAW. So on XX/XX/XXXX, I disputed the same collection account with all 3 credit bureaus - XXXX, XXXX, XXXX  - requesting to remove the account because it hadn't been verified nor had I received a " Notice of Debt '' from the debt collector. 

After 30 days, each credit bureau responded back that NCA had verified the account. How is it that NCA can conduct a reasonable investigation in 30 days with the credit bureaus and validate the account, yet they tell me that 30 days was not enough time to investigate? Which is it? 

Around the end of XXXX, NCA decides they would start collecting on this unvalidated debt again. ( See Attached Doc 3 ). If it's not already bad enough they have violated my rights several times, they boastfully sent me another communication on XX/XX/2019, of a " Notice of Debt '' showing that this debt was now owned and bought by another creditor - XXXX XXXX, XXXX ( See Attached Doc 4 ). I've never spoken to any of these collection agencies, I have never done any business with any of these collection companies, and to top it all off, my rights have been violated over and over and over again by them. I'm so frustrated and have wasted approximately 5 months going back and forth with NCA and I'm tired. It has cost me too much of my time and it has cost me a lot of days of stress worrying this account. 

I reaching out to CFPB to resolve this matter ASAP. NCA didn't conduct an investigation, they didn't cease collecting the debt, and they surely didn't validate the debt they say I owe. So to me, NCA is displaying deceptive practices because they clearly know the LAW and they aren't following it intentionally, trying to collect a debt that hasn't been validated.

Company response to consumer: Closed with explanation