Consumer complaint received 2020-11-24
Company: National Credit Adjusters, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear : XXXX  or XXXX or XXXX ], I am writing to dispute the following information that appears on my [ XXXX or XXXX  or XXXX ] consumer report ( s ) : Dispute-1 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : A letter date : XXXX XXXX, XX/XX/2020, XX/XX/2020. 
Explanation of item being disputed : I received a notification of a response from XXXX XXXX XXXX XXXX. That my fraud complaint had a response from the company falsely listing a debt on my credit report. In remiss this letter a person named XXXX XXXX XXXX, XXXX. addressed me as XXXX XXXX XXXX on ( XXXX XXXX ) Which is not my name as the duplicities attempted to codify my identity with his fraudulent debt claim. By conjuring false identities for me which would then appear on my Credit Report and other platforms for public reference. Creating these false Identities directly effects my lively hood. As I am subject to regulatory security checks per my employer. When this false name appears if gives the false impression, I have a fake identity. This causes me to lose consideration for Contracts, raises, Investments, Etc. 
o On XX/XX/2020 : I received a notification of a response from XXXX  XXXX XXXX XXXX. That my fraud complaint had a response from the company falsely listing a debt on my credit report. In remiss this letter states a person named XXXX XXXX XXXX, XXXX. addressed me as XXXX XXXX. Which on ( XXXX XXXX ) Which is not my name as the duplicities attempted to codify my identity with his fraudulent debt claim. I notified XXXX XXXX XXXX, XXXX. of NCA= National Credit Adjusters in letters dated : XXXX XXXX, XX/XX/2020, XX/XX/2020. In response XXXX XXXX XXXX, XXXX. of NCA= National Credit Adjusters choose to use a third variation of the fraudulent name. While making false claims that my complaint indicated these names. This is false and a slanderous attack on my person. I have copies of each file sent to him and NCA. None of which indicate these identities created by XXXX XXXX XXXX, XXXX. of NCA= National Credit Adjusters. He is attempting to end round the legal system and ethical consumer policies passively aggressively. 
In the response dated : XX/XX/2020 ; from by XXXX XXXX XXXX, XXXX. of NCA= National Credit Adjusters. In the most condescending method possible while smiling. This lettered response he attempts to arrogantly provide me with unsolicited legal advice. Telling me to file a Police Report while falsely assuming that there is not already a police report on file. In fact, there is a report from XXXX which was on file with each of the credit bureaus. Along with fraud alerts from when XXXX XXXX XXXX XXXX attempted to collect the false, fraudulent debit. XXXX XXXX XXXX, XXXX. of NCA= National Credit Adjusters was remiss and fullhearted using tactics he knew to be unethical and criminal. Though I appreciate the unsolicited legal advice from someone who is not qualified or barred in Missouri. He should focus on his own conduct, as well as the conduct of the staff at NCA. As they have hundreds of complaints and as many lawsuits against them for their behaviour. 
This account was originated by XXXX XXXX XXXX XXXX. After reviewing several sources these individuals have been under investigation for these types of Fraudulent acts by the FBI. This information should not have been allowed to be placed on my reports. Now I have verifiable proof that NCA has attempted to collect a debt that is fraudulent. As well as falsify a fraudulent identity to legitimize the fraudulent debt in question. 

This is my third Cease and Desist letter to XXXX XXXX XXXX, XXXX. of NCA= National Credit Adjusters. His responses have shown a consistent intent to collect a debt he knows to be fraudulent. While purposely slandering my character to retaliate, pressure and extort me into paying monies not owed. By making false public claims as well as false claims to government agencies, and credit bureaus. 

Resolution : Remove item Exponentially. 


Thank you for your assistance. 

Sincerely, [ XXXX XXXX. ]

Company response to consumer: Closed with explanation