Consumer complaint received 2021-09-09
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection account was added to my credit file in early XX/XX/XXXX. 
Original Debtor was XXXX XXXX  / XXXX Mastercard. The collection agency is NCA, National Credit Adjusters , LLC, XXXX XXXX XXXX XXXX, XXXX, KS XXXX. 

It is scheduled to be removed in XX/XX/XXXX, meaning the account had its first delinquency in XX/XX/XXXX. The amount is {$570.00}. Original account number : XXXX. I have a XXXX XXXX Mastercard. It does start with the numbers XXXX. I have never used the card. It has a XXXX balance on it now and has since I have had it. It is an open account in good standing. A fall-off date of XX/XX/XXXX, suggests that the card in collection is not mine. Account opened XXXX Current XXXX credit report lists status as Open/Never Late. 

The date opened is listed as XXXX 
The balance updated date is listed as XXXXPast due as of XXXX XXXX There is no record of payments on this account. 

I spoke at length with the XXXX fraud department. The investigator confirmed my open account with XXXX  is active and in good standing. Never used. Full credit line available. Account opened on XXXX  This account was opened in XXXX. I experienced significant identity theft and identity fraud incidents in XXXX. I have removed a dozen v fraudulent collection accounts, aliases, fraudulent filing of a Chapter XXXX Bankruptcy, twice, attempted mortgage fraud, I have no mortgage, and a crime committed under my name in a place I have never been. All of these have been removed. I am in a XXXX  that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are 2-3 collections from XXXX XXXX from XXXX and XXXX. These are also not mine.I have requested information from XXXX XXXX, and I received statements from a XXXX XXXX account with my name and address on them. I filed police reports with the towns where my address was and with the towns where the cards were used. 
1. Balance {$1400.00}. Debt Buyer. Opened XX/XX/XXXX. Removal Date XXXX 2. Balance {$970.00}. Debt Buyer. Opened XXXX Removal Date XXXX  3. Balance {$1100.00}. Debt Buyer. Opened XX/XX/XXXX. Removal Date XXXX XXXX XXXX will not remove these fraudulent accounts from my file. The reason, My name, and address, from XXXX, are is on the statements of these accounts. 
These are not my accounts. I have no knowledge of these accounts. I asked for a copy of the contract with a signature for each XXXX XXXX collection. They said they were under no obligation to provide that to me. 

I sent a letter to NCA on XXXX I requested the information I am entitled to by law. I called them to also request information verbally. I was told that my name and address were on the accounts. It is my old address from XXXX. 

My XXXX is doing a {$100.00} XXXX dollar project bringing 150 XXXX XXXX XXXX to a town in XXXX XXXX that needs the jobs. These ridiculous debts have impacted my credit score and my ability to be a XXXX XXXX XXXX XXXX. If I was not doing a new project, I would let them fall off in a year. Life is too short to waste time on this kind of thing. At this point, I was just going to let my XXXX XXXX handle it. They get {$1000.00} per hour. I have three XXXX XXXX XXXX with high Honors from schools like the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, My other XXXX XXXX are in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Oh, and XXXX in XXXX. I thought about other people with this kind of issue, people who do not know their rights or how to deal with this kind of fraud. I decided to do this myself and write a White paper about it. So, here is the information you need, I have many more details if you need more. 

You have sued NCA, and they have a consent Agreement with CFPB from XXXX. You have sued the management of NCA, same consent agreement. They have many lawsuits both pending and settled. I have to wonder why they are licensed to be in the financial business at all? 

Thank you for your attention to this matter, I await word from you. 
XXXX XXXX

Company response to consumer: Closed with explanation