Consumer complaint received 2020-07-13
Company: National Credit Adjusters, LLC
State: TN
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:
On XX/XX/2020, I received a notification on my XXXX app that a new collection account had been added to my credit report. 
On XX/XX/2020, I sent a letter to the collection company, National Credit Adjusters, asking for debt validation, with a cease and desist letter, and asked them to validate the debt, as prior to this showing up on my credit report, I had no communication via calls or letters stating that a debt was owed to the collection agency or the company they state they are collecting for, which is listed on the credit report as XXXX XXXX. 
On XX/XX/2020, I also received that same notification on my XXXX   and XXXX  credit reports that a new collection account had been added. 
On XX/XX/2020, I drafted a second letter for request for debt validation and mailed it out on XX/XX/2020 via certified mail with return receipt. I received the signed return receipt in the mail acknowledging that the collection agency has received my second letter. 
It is now XX/XX/2020, and to date, I still have not received any debt validation from this collection agency - National Credit Adjusters, nor did I receive any communication from the company within 5 days of initial communication ( in this case, reporting the alleged debt showing up on all 3 credit bureaus ). 
Based on the Fair Debt Collection Practices Act, Section 809, I have requested debt validation, and I have received no communication from this debt collection agency, and based on that, they have violated my rights under the FDCPA, and the collection agency is still reporting to all 3 credit reporting bureaus that I owe the amount of {$1100.00} and trying to collect on a debt that they have not validated. 
I have included the correspondence I sent to National Credit Adjusters, proof of the new collection activity on XX/XX/2020 and XX/XX/2020 on all 3 credit reports, as well as the copies of the certified mail postage and signed return receipt form from the collection agency. This collection agency has ignored my attempts at debt validation, which I am owed under my legal rights, and they are still attempting to collect on an alleged debt that has not been properly validated under my rights of the FDCPA. 
Therefore, I am formally lodging this complaint, and I request that the collection account listed by National Credit Adjusters be deleted from all 3 credit reporting bureau records, and I hereby dispute this collection based on the facts that my rights for debt validation have been violated under the FDCPA, section 809, whereas I have requested debt validation from the collection agency within the first 5 days of their initial reporting to the 3 credit reporting bureaus of the alleged debt, and I also advised the collection agency that if they can not validate the debt, as allowed to me under my rights of the FDCPA within 30 days, as I have legally requested, that all references to this account must be deleted and completely removed from my credit reports and a copy of such deletion request shall be sent to me immediately. To date, this has not happened.

Company response to consumer: Closed with explanation