Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
CFPB Complaint - National Credit Adjusters , LLC Willful Violations of FCRA and FDCPA : Failure to Respond to Consumer Disputes and Federal Oversight SUMMARY OF VIOLATIONS I am filing this escalated complaint against National Credit Adjusters , LLC ( NCA ) for systematic violations of federal consumer protection laws, including willful failure to respond to legally mandated dispute processes, CFPB oversight, and debt validation requirements under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
DOCUMENTED TIMELINE OF NON-COMPLIANCE XX/XX/XXXX : NCA received certified mail dispute containing : Formal dispute under FCRA 623 ( b ) Identity theft documentation with FTC Identity Theft Report FDCPA debt validation request under 809 ( b ) Supporting documentation of fraudulent account creation Original CFPB Complaint Date XX/XX/XXXX : ( Complaint number XXXX ) Filed initial CFPB complaint against NCA Current Status : NCA has failed to respond to any communication for 30+ days, constituting willful violations of multiple federal statutes.

SPECIFIC FEDERAL LAW VIOLATIONS 1. WILLFUL VIOLATION OF FCRA 623 ( b ) ( 1 ) - FURNISHER DISPUTE OBLIGATIONS Legal Standard : Upon notice of dispute from consumer, furnisher must investigate and report results within 30 days or cease reporting disputed information. 
Violation : NCA received certified mail dispute on XX/XX/XXXX, containing clear notice of : Identity theft with supporting FTC documentation Request for investigation under 623 ( b ) ( 1 ) Demand for cessation of reporting pending verification Willful Nature : NCA 's complete silence for 30+ days demonstrates willful disregard for statutory obligations, not mere negligence.

2. WILLFUL VIOLATION OF FDCPA 809 ( b ) - DEBT VALIDATION FAILURE Legal Standard : Debt collector must provide validation of debt within 30 days of written request or cease collection activity.

Violation : NCA failed to provide : Verification of debt amount and creditor identity Copy of original creditor agreement Proof of authority to collect alleged debt Any response whatsoever to validation request Legal Consequence : Under FDCPA 809 ( b ), failure to validate renders continued reporting and collection activity per se violations. 
3. AGGRAVATED VIOLATION - IGNORING FEDERAL OVERSIGHT Legal Standard : Companies subject to CFPB oversight must respond to consumer complaints through federal monitoring system.

Violation : NCA 's failure to respond to CFPB complaint demonstrates : Contempt for federal regulatory oversight Pattern of systematic non-compliance Willful disregard for consumer protection mechanisms Precedent : Jerman v. Carlisle, 559 U.S. 573 ( 2010 ) - debt collectors can not ignore statutory requirements through claimed ignorance.

4. FCRA 1681n - WILLFUL NONCOMPLIANCE DAMAGES Evidence of Willful Conduct : Receipt confirmation of certified mail dispute ( XX/XX/XXXX ) Specific legal notice of FCRA and FDCPA obligations Identity theft documentation requiring immediate action under 605B Complete silence despite multiple federal law triggers Continued reporting to credit bureaus without verification Legal Standard : Safeco Ins. Co. v. Burr, 551 U.S. 47 ( 2007 ) - willful violation includes reckless disregard for legal requirements.

IDENTITY THEFT CONTEXT - ENHANCED VIOLATIONS The disputed account is tied to documented identity theft supported by : FTC Identity Theft Report filed with federal authorities Connection to XXXX  data breach and XXXX additional exposures No legitimate relationship between complainant and alleged creditor Additional Violation : FCRA 605B requires immediate blocking of fraudulent information upon receipt of identity theft report. NCA 's continued reporting violates federal identity theft protections.

PATTERN OF SYSTEMATIC NON-COMPLIANCE NCA 's conduct demonstrates systematic disregard for federal law : Zero response to consumer dispute ( 30+ days ) Zero response to federal complaint system ( 30+ days ) Continued reporting unverified information to credit bureaus Active harm to consumer through ongoing false reporting This pattern suggests business model violations requiring enforcement action beyond individual complaint resolution.

SUPPORTING DOCUMENTATION Certified mail receipt and delivery confirmation ( XX/XX/XXXX ) FTC Identity Theft Report and supporting documentation Credit reports showing continued false reporting by NCA Original CFPB complaint filing confirmation Identity theft and data breach documentation CONCLUSION National Credit Adjusters ' complete failure to respond to consumer disputes, debt validation requests, and federal oversight represents willful violations of multiple federal consumer protection statutes. This conduct requires immediate enforcement action to prevent ongoing consumer harm and ensure industry compliance with established legal standards.

Company response to consumer: Closed with explanation