Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Subject : Formal Dispute Request for Deletion of Inaccurate Account Reporting by National Credit Adjusters To Whom It May Concern, I am writing to formally dispute an account currently being reported to the credit bureaus ( XXXX  and XXXX  ) by National Credit Adjusters , LLC, referencing an alleged debt from XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX in the amount of {$560.00} and account # XXXX. This dispute is being submitted under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that this account be permanently removed from my credit reports based on the following legal deficiencies, reporting violations, and lack of valid supporting documentation. 



1. Failure to Provide Proper Validation Under FDCPA 15 U.S. Code 1692g After submitting a written dispute requesting validation of the debt, I received a response from National Credit Adjusters dated XX/XX/year>. The response included only a billing statement and a summary of a charged-off balance but did not include : A signed original agreement or contract proving I agreed to the terms of the alleged account ; A chain of assignment establishing that National Credit Adjusters has a legal right to collect on this debt ; Any itemized breakdown of charges or how the final balance of {$560.00} was calculated ; Or proof of ownership from the original creditor, XXXX XXXX XXXX XXXX XXXX 

Under FDCPA 15 U.S.C. 1692g ( b ), a debt collector must cease collection and reporting until proper validation is provided. Reporting a debt to the credit bureaus while failing to verify it in accordance with the law is a clear violation and warrants immediate removal. 



2. Inaccurate and Misleading Credit Reporting FCRA Violation 15 U.S. Code 1681e ( b ) The credit report states the account is a collection with a past due amount of {$560.00}. However, the billing statement included in the validation response clearly shows : The new balance is {$0.00} The minimum payment due is {$0.00} The monthly payment is {$0.00} There is no past due amount listed Therefore, it is inaccurate and misleading to report this as an open collection account with a current past due balance. Inaccurate and inconsistent data is a direct violation of the FCRAs mandate that information be complete and up to date. 



3. False Representation of Account Status and Terms The account is reported as 1 month terms and past due with a monthly payment field, despite no payment schedule, plan, or monthly terms ever being outlined or documented. The bill itself shows $ XXXX  monthly payment. 

If there is no agreed-upon installment plan or payment schedule, then marking the account as past due or applying monthly terms is inaccurate, speculative, and in violation of FCRA 15 U.S.C. 1681s-2 ( a ). 



4. Illegal Use of Future Date Balance Updated as of XX/XX/year> As of todays date, XX/XX/year>, the credit report lists this account as past due as of XX/XX/year> with a balance updated entry dated XX/XX/year>. This means a payment status was reported with a future date, which can not be verified as accurate or factual. 

Under the FCRA, furnishers are required to report only accurate and current information. Reporting an update as if it occurred in the future is misleading, unverifiable at the time of reporting, and creates an unfair portrayal of ongoing delinquency. 



5. No Legal Right to Collect Proven The validation response from National Credit Adjusters does not show a chain of custody or assignment of the account from XXXX XXXX XXXX XXXX  to their agency. There is no purchase agreement, assignment document, bill of sale, or notarized affidavit showing they are legally authorized to collect or report this account. 

Any debt collector furnishing data to the credit bureaus must be able to prove their legal right to collect and accurate ownership of the account. Without it, continued reporting constitutes unlawful behavior under the FCRA and FDCPA. 



6. Lack of Transaction History to Support Charged-Off Amount The billing documents show a charge-off of two lump sums : {$320.00} in principal {$240.00} in finance charges Yet there is no transaction history, prior billing cycles, or supporting documentation to explain how these amounts were calculated. The lack of detail raises serious doubt about the validity and accuracy of the debt and fails to meet the FCRAs standard of verifiable and complete information. 



Conclusion & Legal Request In accordance with my rights under the FCRA ( 15 U.S.C. 1681i ) and the FDCPA, I am requesting that you : Investigate this account and require National Credit Adjusters to provide full legal documentation ; Remove the account from all credit bureaus ( XXXX  and XXXX  ) if the account can not be fully verified ; Provide a written response within the required 30-day period and send an updated copy of my credit report showing all corrections or deletions. 

Attachments provided with this letter include : A copy of my government-issued photo ID A utility bill or official mail with my name and current address Screenshots of the credit report showing the inaccurate account A copy of the debt validation response and included documents from National Credit Adjusters I expect full compliance and resolution in accordance with federal law.

Company response to consumer: Closed with explanation