Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Account : XXXX To Whom It May Concern, RE : SECOND REQUEST for Validation and Proof of Claim Pursuant to FDCPA This letter serves as my SECOND FORMAL DEMAND for validation and proof of claim in regard to the alleged debt your office is attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am exercising my legal right to dispute this debt and request full and complete validation.

Your office has failed to comply with this request. 
You have not provided me with any legal proof of ownership of this alleged debt. What you have provided thus far amounts to a mere account summary, which does not meet the legal standard for debt validation under federal law. You are required to provide competent evidence that establishes both the existence of the debt and your legal authority to collect it. 
This request specifically includes the following documents, which you have failed to provide : Your license and bond number Assignment of Debt Proof that your company legally owns or has the right to collect on this debt Ledger documenting charges and payments Full account file All relevant accounting documents Complete transactional history Let me reiterate : this is not a generic request for verification or mailing address confirmation. This is a lawful demand for validation and proof of claim under 15 U.S.C. 1692g, and your failure to comply may place you in serious legal jeopardy.

Furthermore, your ongoing collection activities and reporting of this debt to the credit bureaus without valid proof of claim constitute violations of multiple provisions of the FDCPA, including but not limited to : 15 U.S. Code 1692e False or Misleading Representations You are in violation for : Falsely representing the character, amount, or legal status of a debt ; Threatening
to take actions that can not legally be taken or that are not intended to be taken ; Communicating credit information that is known to be false, including failing to mark a debt as disputed ( 1692e ( 8 ) ).

15 U.S. Code 1692f Unfair Practices Your actions may also be considered unfair and unconscionable, including attempting to collect an amount not expressly authorized by the agreement or permitted by law.

15 U.S. Code 1692j Furnishing Deceptive Forms If your company is attempting to represent itself as a legal owner of a debt without valid assignment or ownership documentation, this may also constitute the deceptive furnishing of forms, which is strictly prohibited under 1692j.

NOTICE OF LEGAL LIABILITY Should your office fail to provide the requested documentation within 30 days of receipt of this letter : You must immediately cease all collection efforts ; You must remove all references to this account from my credit reports with all three major credit bureaus ; You must send me written confirmation of such deletions ; I will pursue all legal remedies available, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General ; Pursuing legal action for violations of : The Fair Debt Collection Practices Act ; The Fair Credit Reporting Act ; Defamation of character ; Financial harm caused by false or misleading information.

Under 15 U.S.C. 1692k, you may be held liable for : Actual damages sustained as a result of non-compliance ; Additional damages up to {$1000.00} per violation ; Attorneys fees and court costs.

Unless and until you provide complete and competent evidence that I have a legal obligation to pay the alleged debt and that your company legally owns or is assigned to collect on it, I consider this debt invalid. 
You are hereby instructed to cease all collection efforts immediately until proper validation has been provided.

Company response to consumer: Closed with explanation