Consumer complaint received 2024-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( NOTICE OF REQUEST FOR DEBT VALIDATION ) National Credit ( NCA ) XXXX XXXX XXXX XXXX XXXX, KS XXXX Dear Sir or Madam : Your office has been calling me about a debt you claim I owe but which I have no knowledge of. The purpose of this letter is to dispute this debt, which I do not believe I owe, and to request that you validate it by providing the documentation and information requested below. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ) that your claim is disputed and validation is requested.

Due to the debt being in dispute, do not report it to any credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them the debt is in dispute and request that it be removed from my credit report. 

Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Accordingly, please provide me with the following : 1. A detailed accounting of the debt, an itemization of what the debt is for ; 2. A detailed explanation of how you calculated the amount ; 3. Copies of any documents that show I agreed to pay what you say I owe, or promissory note ; 4. Identify the original creditor and provide their current contact information ; 5. Proof that the Statute of Limitations has not expired on this account ; 6. Documentation showing that you have the legal right to collect this debt ; 7. Documentation showing that you are licensed to collect in my state ; and 8. Provide me with the contact information for your Registered Agent for Service of Process.

I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I know that because I have disputed this debt in writing within 30 days of the date of your bill, you must obtain verification of the debt against me and mail these items to me at your expense.

Additionally, you can not add interest or fees except those allowed by the original contract or state law. While you are not required to respond to this dispute, any attempt to collect this debt without validating it violates the Fair Debt Collection Practices Act.

Please be advised that I am keeping very accurate records of all correspondence from you and your company, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. Therefore, if you have already reported this debt to any credit-reporting agency, such as XXXX, XXXX or XXXX, XXXX you must immediately inform them of my dispute with this debt. 
Furthermore, reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. If your offices have reported invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State Laws. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation