Consumer complaint received 2023-05-24
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against National Credit Adjuster, L.L.C. for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The actions of National Credit Adjuster, L.L.C. have resulted in false reporting, failure to provide required notices, and potential defamation of character, causing significant harm and distress to my financial well-being and personal reputation. 

On XX/XX/, I discovered that National Credit Adjuster, L.L.C. had included inaccurate and misleading information on my credit report, specifically in reference to a debt allegedly owed to " XXXX XXXX. '' I want to highlight that I have never been indebted to XXXX XXXX, making the inclusion of this information entirely false and unjustified. 

Under Section 809 ( a ) of the FDCPA ( 15 U.S.C. 1692g ( a ) ), debt collectors are obligated to provide consumers with a written validation notice within five days of their initial communication. However, I have not received any validation notice from National Credit XXXX XXXX XXXX, as required by law. This failure to comply with the statutory obligations outlined in the FDCPA is a clear violation of my rights as a consumer. 

Additionally, Section 1681s-2 ( a ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ) mandates that consumer reporting agencies investigate disputed information within a reasonable period, generally 30 days, upon receiving a direct dispute from the consumer. Despite officially disputing the inclusion of the alleged debt to XXXX XXXX, National Credit Adjuster, L.L.C. has failed to conduct a proper investigation and take appropriate action, thus further violating the FCRA. 

Furthermore, I believe that National Credit Adjuster, L.L.C. 's false reporting of debt to Speedy Cash that I never incurred has defamed my character. This false and damaging information not only harms my reputation but also has the potential to adversely impact my creditworthiness and financial standing. Such defamation of character is both morally unacceptable and exposes National Credit Adjuster, L.L.C. to legal liability. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and hold National Credit Adjuster, L.L.C. accountable for its wrongful actions. I urge the CFPB to take the following steps : Conduct a thorough investigation into the actions of National Credit Adjuster , L.L.C., specifically focusing on the violations of the FDCPA and the FCRA outlined in this complaint. 

Enforce the appropriate penalties and sanctions against National Credit Adjuster, L.L.C. for its violations, as deemed necessary by the CFPB. 

Facilitate the removal of the inaccurate and misleading information concerning the alleged debt to XXXX XXXX from my credit report, as mandated by the FCRA. 

Provide guidance and assistance to ensure that National Credit Adjuster, L.L.C. adheres to the required consumer protection laws in the future, preventing similar violations and protecting the rights of other consumers. 

I have enclosed copies of relevant documentation, including evidence of the false reporting and any correspondence with National Credit Adjuster, L.L.C. that supports my complaint. I am willing to provide any further information or assistance necessary for a thorough investigation into this matter. 

I trust that the Consumer Financial Protection Bureau will give due consideration to this complaint and take appropriate actions to rectify the violations committed by National Credit Adjuster, L.L.C. I look forward to a prompt resolution of this matter. 

Thank you for your attention to this serious issue. 

Yours sincerely, XXXX XXXX

Company response to consumer: Closed with explanation