Consumer complaint received 2022-05-27
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Original Creditor - XXXXXXXX XXXX XXXXXXXX XXXX - National Credit Adjusters Account Opened - XX/XX/XXXX Balance - {$1800.00} I noticed that this account entered collections onto my credit report and sent them a validation letter requesting the following on XX/XX/XXXX : - Name and mailing address of the original creditor, the amount owed, what the debt is for ; - Via an invoice including dates, explain and show me how debt has been calculated ; - Provide me with copies of agreement contract that show I agree to pay your company apart from the creditor ; - Provide evidence the Statute of Limitations has not expired on this account ; - Show me that your company is licensed to collect in my state ; and - Provide me with your license numbers and are a Registered Agent. 
- Provide a verification or copy of any judgments or lawsuits if applicable - If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of mycredit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : ( 1 ) Violation of the Fair Credit Reporting Act, ( 2 ) Violation of the Fair Debt Collection Practices Act, ( 3 ) Defamation of Character - If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Additionally during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 
- If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I have not been notified by phone or written communication about this attempt to collect a debt via the collections agency, or notified about my rights to dispute the debt being pursued by the collections agency. 

My request to validate the debt has not been responded to in full. As a result, per instruction of correspondence and pursuant Fair Credit Reporting Act and Fair Debt Collection Practices Act, the collections must be removed from all related credit reports. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - REQUEST FOR SPECIFIC COMMUNICATION : Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 805 ( B ), it is my right to request specified means of contact expressing that all else ( including work and alternative referred parties that are not myself, XXXX XXXX ) would be inconvenient and explicitly prohibited. I request that you maintain all future contacts with me in the following modes and times, as they are the most convenient for me.You can contact me about this debt, but only in the way I specify below. It is inconvenient to me to be contacted except as I authorize below. Please do not contact me about this debt in other way, or at any other place or time.You can only contact me at : XXXX anytime. Be advised, this is not a refusal to pay, but a request for specific communication. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the email address noted in this letter. My employer prohibits me from receiving communications like this at work. This is an attempt to correct your records ; any information obtained shall be used for that purpose.Thank you for your cooperation.

Company response to consumer: Closed with explanation