Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am filing this complaint because National Credit Adjusters ( NCA ) is reporting a debt on my credit report that I never authorized, never agreed to, and never had any relationship with. I have never opened an account with NCA, never gave them permission to access or report any of my personal or financial data, and was never notified of any debt transfer. This debt company and accounts have been disputed and deleted multiple times, but for some reason the next month or even 3 months later they post it again, change the dates, and keep harassing me! 

If this debt originated with XXXX XXXX, I was never informed that it was being transferred or sold to NCA. No communication or documentation was sent to me prior to NCA filing this on my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA 604 ), which protects consumers from unauthorized access and reporting of their credit data, and the Fair Debt Collection Practices Act ( FDCPA 809 ), which requires all third-party debt collectors to provide written notice and validation of a debt before reporting or collecting. This is identity theft.

NCAs unauthorized reporting has caused my credit score to drop and is now affecting my ability to obtain housing and affordable financial services.

In addition, one of the accounts falls within the timeframe I was directly impacted by XXXX XXXX, during which my area was declared a state of emergency. Under both federal disaster relief laws and protections established by the XXXX XXXX XXXX XXXX XXXX and Emergency Assistance Act, as well as guidance from the XXXX XXXX XXXX XXXX ( XXXX ) and CFPB, consumers affected by declared disasters are entitled to reasonable forbearance and protection from aggressive collection practices and negative credit reporting. My financial resources were stretched thin due to unexpected housing, utility, and survival costs related to the hurricane. I was unable to afford payments at the time and was not offered any accommodations or hardship options. Reporting this account without accounting for the disaster-related hardship further violates consumer protection principles during federally recognized emergencies. 

Due to the XXXX pandemic, I experienced significant financial hardship, including loss of income and economic instability that directly impacted my ability to meet obligations during the time these alleged debts were incurred. The dates reported around XX/XX/XXXX and XX/XX/XXXX fall within the national emergency period recognized by the XXXX government. Under the CARES Act ( Section 4021 ) and guidance from the Consumer Financial Protection Bureau ( CFPB ) and Fair Credit Reporting Act ( FCRA 602 & 623 ), creditors and collectors were required to offer accommodations, accurate reporting, and fair treatment for those affected by COVID-related hardship. Continuing to report these accounts without reflecting my hardship and without my authorization violates the spirit of these protections and the letter of the law.

In addition, I have evidence that this debt was written off by the original creditor as a bad debt expenselikely claimed as a deductible loss on their taxes under IRC 166yet it is still being improperly reported as active. Under IRS rules, when a debt is charged off and claimed as a loss, the creditor should not continue to collect or report it. Furthermore, if they later recovered or attempted to collect it, they must issue a Form1099C ( Cancellation of Debt ) if over {$600.00}. Reporting the same debt twice or continuing collection after write-off constitutes double reporting, which is prohibited and misleading. This practice violates the Fair Credit Reporting Act and creates a second, unjustifiable financial burden on me.

Despite being verbally told to cease all contact, National Credit Adjusters has continued to harass me with repeated calls and messages, including during work hours, which has disrupted my professional obligations and personal peace. I have explicitly communicated that I do not wish to be contacted regarding this alleged debt. Their continued contact after being notified constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA 805 ( a ) ( 1 ) and 805 ( c ) ), which prohibits debt collectors from contacting consumers at inconvenient times or after being asked to stop. This harassment is unwanted, unlawful, and emotionally distressing, and I am requesting immediate enforcement action and written confirmation that all contact will cease permanently.

Company response to consumer: Closed with explanation