Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX # : XXXX National Credit Adjust XXXX XXXX XXXX XXXX XXXX, KS XXXX Re : Dispute of Alleged Debt Account Number : XXXX Dear National Credit Adjust, I am writing to formally dispute the validity of the alleged debt you are attempting to collect, which appears to be a charged-off account. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ), I am requesting that you provide complete validation of this debt.

Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until you have provided proper validation. I request the following documentation : Proof that you have the legal right to collect this debt, including a valid assignment or purchase agreement.

A copy of the original signed contract or agreement with my signature.

A full accounting of the alleged debt, including a breakdown of the principal balance, interest, fees, and any payments made.

Documentation showing that the alleged debt was not already discharged, paid, or otherwise invalid.

Additionally, under 15 U.S.C. 1681s-2, if you are reporting this debt to the credit bureaus, you are required to ensure the accuracy of the information. If you can not provide proper validation, I request that you : Cease all collection efforts immediately.

Remove any negative reporting regarding this account from my credit report.

Be advised that failure to comply with my validation request or continuing to report inaccurate information may result in legal action against your agency for violations of the FDCPA, FCRA, and any applicable state laws. 

Please respond to this dispute in writing within 30 days of receiving this letter. Failure to respond or validate the debt will be interpreted as an admission that the debt is invalid. 

Sincerely, XXXX XXXX The Following information is required. 

Please fill out the form below in its entirety. 
XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? 
____ No ____Yes XXXX. XXXX XXXX if debt was purchased : XXXX. Commission for debt if collection efforts are successful : Please attach copies of the following : An agreement with your client that grants COLLECTION COMPANY NAME theauthority to collect this alleged debt. 
Signed agreement Debtor has made with XXXX Collector, or other verifiable proof Debtor has a contractual obligation to pay XXXX Collector. 
Any agreement that bears the signature of XXXX, wherein agreed to pay XXXX. 
All statements while this account was open. 
Have any insurance claims been made by any creditor regarding this XXXX? 
oYes oNo Have any Judgements been obtained by any creditor regarding this account? 
XXXX XXXX Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary : Date : ________________ _______ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within XXXX calendar days from the date of receipt of this letter. 

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for XXXX made pursuant to the Fair Debt Collection Practices Act. 

Please allow XXXX calendar days for processing after I receive this information. 

Thank You.

Company response to consumer: Closed with explanation