Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> National Credit Adjusters XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Subject : Cease and Desist Demand for FCRA Violations Account # XXXX To Whom It May Concern, This letter serves as a formal cease and desist demand regarding your attempts to collect an alleged debt in the amount of {$310.00} under Account # XXXX. Your company is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and other applicable consumer protection laws.

Upon review, I have identified inaccurate, unverifiable, and potentially unlawful reporting of this account. As a consumer under the FCRA, I have the right to dispute and demand verification of any alleged debt being reported or collected. If you are reporting this account to the credit bureaus, you are required to ensure the accuracy and validity of the information. 

Violations of Federal Law : 1. Failure to Provide Proper Validation Under 15 U.S.C. 1692g ( b ) of the FDCPA and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable investigation when a dispute is raised. If you have failed to provide me with proper documentation proving this debts validity, you are in direct violation. 
2. Reporting Inaccurate or Unverified Information Under 15 U.S.C. 1681s-2 ( b ), furnishers must investigate and correct inaccurate or unverified information reported to the credit bureaus. If this account remains on my report without proper substantiation, this is a willful violation of federal law.

3. Continued Collection of a Disputed Debt Under 15 U.S.C. 1692g ( b ) of the FDCPA, collection activity must cease until proper validation is provided. If you have continued collection efforts without meeting the validation requirements, you are in violation of federal law. 

Cease and Desist Demand : I hereby demand that you : Cease all collection activity related to this alleged account immediately. 
Cease and desist from any further reporting of this account to any credit reporting agency unless it is fully verified with legally compliant documentation. 
Provide full validation of this debt, including but not limited to a copy of the original signed contract, itemized statements, and proof of your legal right to collect. 

Failure to comply with this request will result in legal action. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I am considering a civil lawsuit for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorneys fees. 

You are hereby notified that any further communication regarding this matter must be in writing. Any attempt to contact me via phone, email, or third parties will be considered harassment and a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

This letter serves as your final notice. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation