Consumer complaint received 2022-04-22
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In response to CFPB complaint # : XXXX : My name is XXXX XXXX XXXX XXXX federally protected consumer, and I am once again making this complaint against NATIONAL CREDIT ADJUSTERS LLC . Theyre continuing to invade my individual privacy by committing hurtful, misleading, and unfair debt collection practices.

NATIONAL CREDIT ADJUSTERS LLC stated " Your account was placed into a cease and desist status which effectively terminates further communication in regards to your account. Further, NCA has placed your account into a disputed status which temporarily cease collection activity while NCA requests the account documentation from the original creditor in order to validate your account. '' You have violated the cease-and-desist notice that you received on XX/XX/XXXX via CFPB portal in reference to the above CFPB complaint #, because you're still furnishing this alleged debt to my consumer reports which is a form of communication as seen in Exhibits A in efforts of exhorting me to pay this alleged debt even when it is being " investigated '' which is a violation. Once again, I haven't received any documentation requesting validation from you before you committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If you have, can you please provide documentary evidence like the tracking number and return receipt verifying that I indeed received it?

NATIONAL CREDIT ADJUSTERS LLC stated " NCA purchased your XXXX XXXX  account on XX/XX/XXXX, with a balance of {$300.00}. NCA is the owner of your account. '' If you are the owner, can you provide me with the trilateral contract, that I have any legal obligation to pay you? Like I previously stated in my debt validation letter that you received on XX/XX/XXXX, this documentary evidence is imperative to receive, so that I can insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. I also have evidence of you manipulating the amount that is allegedly owed as shown in Exhibits B, C, & D.

NATIONAL CREDIT ADJUSTERS LLC stated " I believe this information should bring this matter to a conclusion with our office. '' I strongly disagree with this statement. Not only have you violated the cease-and-desist, but it shows that you clearly didn't read the attachments that I provided for you to review. You didn't provide anything in the letters that I have asked you, to prove that I have an obligation to pay this alleged debt to you. 

If any of the above can't be provided, this account must be removed from my ALL consumer report and files immediately to prevent further harm to me and my financial reputation, as well as cease and desist on all illegal activities.

Company response to consumer: Closed with explanation