Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
I am submitting this formal dispute to request the deletion of the account with National Credit Adjust ( Account Number : XXXX ) from my credit report due to several discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ). Below are the discrepancies observed across the credit bureaus : Inconsistent Account Status Reporting : XXXX reports the account as " Open '', while XXXX lists it as " Closed '', and XXXX does not report the status. This inconsistency in account status violates the FCRA, as it provides conflicting information across credit reports and could confuse creditors or affect creditworthiness. Under FCRA Section 1681e ( b ), credit bureaus must ensure accurate and consistent reporting of account statuses. The discrepancies in account status across the bureaus could be misleading and result in incorrect credit assessments. 

Discrepancies in Payment Status and Past Due Information : XXXX lists the payment status as " Late 120 Days '', while XXXX reports the account as " Collection/Charge-off ''. XXXX also reports the account under the " Collection/Charge-off '' status. The past due amounts reported by XXXX and XXXX also differ significantly, which could lead to an inaccurate picture of the accounts standing.Under FCRA Section 1681i, consumers are entitled to a report that accurately reflects their accounts. The differing descriptions of the payment status and past due balances across bureaus are inaccurate and violate this section of the FCRA. 

Inconsistent Reporting of Last Activity and Last Payment Dates : The last activity date is reported differently by the bureaus : XXXX lists it as XX/XX/XXXX, while XXXX lists it as XX/XX/XXXX. This inconsistency can affect the accurate aging of the account and may impact its removal date.Under FCRA Section 1681c, negative items must be removed after seven years from the date of last activity. The conflicting activity dates could result in the account remaining on my report longer than legally allowed, violating the FCRA. 

Discrepancy in Creditor Type and Account Description : The creditor type is reported differently across the bureaus : XXXX lists it as " Factoring Companies '', while XXXX lists it as " Bulk Purchase Finance ''. This inconsistency affects the accurate representation of the account. Under FCRA Section 1681i, consumers have the right to dispute and correct inaccurate information. The inconsistent reporting of the creditor type and account description is inaccurate and must be corrected. 

Lack of Dispute Status on All Reports : XXXX reports the account as disputed, but XXXX and XXXX do not reflect this dispute, despite the account being flagged as disputed.Under FCRA Section 1681i, a credit reporting agency must note when an account is disputed. The failure to indicate the dispute status on XXXX and XXXX violates the consumers right to a complete and accurate credit report. 

Given these discrepancies, I respectfully request that this account be deleted from my credit reports. The inaccuracies across the three credit bureaus violate the Fair Credit Reporting Act, and the reporting of conflicting and erroneous information may be damaging my creditworthiness. 
The errors you are reporting on my account are permitting me from buying a home for my family. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation