Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (TX)

Complaint:
This my 3rd complaint because NCA is not resolving my issue and keep sending these bogus responses. You have not complied with all aspects of the FDCPA the fact that I sent a debt validation letter to you certified on XX/XX/2021 and the law states that you are allowed 30 days to respond with validation or else the account BY LAW has to be removed from my credit report. I did not get the supposed validation which was just a statement and that is it until XX/XX/2021 after I filed a complaint with the CFPB which was 90 days later 57 BUSINESS DAYS LATER which means you took longer than 30 days to reply and this account should have been removed THEN. I have the certified mail receipt with the signature of who received it and the date it was received. I also have the complaint I made on here with the CFPB and the date I submitted the complaint and your response with a statement which only proves there is a debt. It does not prove that I owe the debt which BY LAW that is what you are liable to do. And the complaint shows the day you responded which further proves that you did not comply with the laws and you did not response within the 30 days allowed. The law also states that sending me a letter stating that it will take longer than 30 days is a " Stall Tactic '' that collection agencies use and is not legal to do. However, if they do send that letter allow them 15 more days which totals 45 business days. Which since I did not get a response until business day 57 you should have removed this account from my credit report and you didn't therefore BREAKING THE LAW. The is the first thing you have done that does not comply with the laws permitted to me. Also, as I mentioned you sent me a credit card statement no contract with my signature on it no letter from the original creditor even showing that you are legally able to report this account. That is the second thing that you did not do to comply with the laws granted to me. Before your response on XX/XX/2021 I was receiving robocalls every single day which means that the call is auto generated and by law that is also illegal to do and the reason I know that these were " robocalls '' is because a couple times that I would answer there would be a long pause before someone would get on the line and speak. YOU CAN NOT BY LAW MAKE CALLS LIKE THAT! That is another thing that you have done that does not comply with the law. So just sending me a response saying that you have placed the account on cease and desist NO that does not bring the matter to a conclusion with your office. You removing this account because you did not comply with the laws that I have the rights to and I have just explained why you didn't comply is what would bring this matter to a conclusion. Stop responding with these bogus letters and do what should have been done because your company did not produce validation that I owe this debt and you also did not produce a response within the 30 days permitted by LAW! You failed to comply and you know you did CFPB now knows you failed to comply I know you failed to comply so at this time the ONLY WAY TO RECTIFY IS TO REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation