Consumer complaint received 2024-09-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MO)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject XXXX Formal Complaint Against NATIONAL CREDIT ADJUST ( address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) for Violations of Consumer Rights Dear CFPB, I am writing to file a formal complaint against NATIONAL CREDIT ADJUST for multiple violations of consumer protection laws in connection with their collection practices and reporting of my account. Below are the specific concerns : XXXX. Failure to Provide Validation Information In accordance with 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information upon request. Despite my request, NATIONAL CREDIT ADJUST has not provided the necessary validation information for the debt they claim I owe. 
XXXX. Improper Reporting and Lack of Opportunity to Dispute According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I must be given an opportunity to dispute the debt before it is reported to credit agencies. NATIONAL CREDIT ADJUST placed a collection account on my consumer report without giving me the chance to dispute the validity of the debt. 
XXXX. Use of Misleading, Deceptive, and Misrepresentative Practices NATIONAL CREDIT ADJUST has engaged in false, misleading, and deceptive practices in their attempts to collect the debt. This behavior is prohibited under FDCPA regulations. 
XXXX. Violation of Reporting and Disclosure Requirements Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( a ), a collection agency must comply with all required disclosures before furnishing information to consumer reporting agencies. NATIONAL CREDIT ADJUST has failed to meet these requirements. 
XXXX. Revocation of Communication Rights I am formally revoking all rights for NATIONAL CREDIT ADJUST to communicate with me via email, text, or phone calls. Please cease all such communications immediately. 
XXXX. Request for Documentation I am disputing any and all debts claimed by NATIONAL CREDIT ADJUST. I request the following documentation : o Proof of debt validation as required under 12 CFR 1006.34 ( b ) ( 5 ).

o A copy of the purchase agreement between NATIONAL CREDIT ADJUST and the original creditor. 
o Proof that NATIONAL CREDIT ADJUST is licensed and bonded to collect debts in my jurisdiction. 
XXXX. Improper Inquiry on Consumer Credit Report It appears that NATIONAL CREDIT ADJUST performed a soft pull on my consumer credit report to place a collection account. This is a violation of proper procedures, as it was done without adhering to the necessary regulations. 
I request that the CFPB investigate these issues and assist in correcting my consumer report to remove the inaccurate collection entry. Enclosed are copies of relevant documents, including correspondence with NATIONAL CREDIT ADJUST and my consumer report showing the disputed collection. 
Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required. 
Sincerely, XXXX XXXX