Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
In my ongoing efforts to resolve discrepancies within my financial records, I have recently encountered significant obstacles in obtaining crucial information from NATIONAL CREDIT ADJUSTERS , L.L.C, a debt collection agency purportedly responsible for debts attributed to my name. Despite repeated requests for documentation to validate their claims and establish the legality of their debt collection activities in my state, NATIONAL CREDIT ADJUSTERS , L.L.C has failed to provide the necessary evidence, raising serious concerns about their practices and the validity of their assertions. 

Central to my inquiries is the request for a signed contract between myself and NATIONAL CREDIT ADJUSTERS , L.L.C outlining the terms and conditions under which any alleged debt would have been incurred and subsequently transferred to their agency for collection. However, despite multiple attempts to obtain this essential document, NATIONAL CREDIT ADJUSTERS , L.L.C has consistently failed to furnish any such agreement, leaving their assertions regarding the debt in question unsubstantiated and lacking in credibility. 

Moreover, I have also sought proof of NATIONAL CREDIT ADJUSTERS , L.L.C 'S legal authority to collect debts within my state, as it is incumbent upon debt collection agencies to adhere to state-specific regulations and licensing requirements. To my dismay, NATIONAL CREDIT ADJUSTERS , L.L.C has yet to provide any documentation demonstrating their compliance with the laws and regulations governing debt collection activities in my jurisdiction. This failure to validate their legal standing further undermines the legitimacy of their collection efforts and raises serious doubts about their adherence to regulatory standards. 

The inability of NATIONAL CREDIT ADJUSTERS , L.L.C to provide the requested documentation not only impedes my ability to assess the validity of their claims but also calls into question the integrity of their debt collection practices. Without verifiable evidence to support their assertions and establish their legal authority, NATIONAL CREDIT ADJUSTERS , L.L.C 's actions appear arbitrary and potentially in violation of consumer protection laws. 

In light of these concerns, I am compelled to escalate this matter and seek redress through appropriate channels. I will continue to pursue the documentation necessary to validate NATIONAL CREDIT ADJUSTERS , L.L.C 's claims and ensure compliance with relevant legal and regulatory requirements. Additionally, I will explore all available avenues to challenge the legitimacy of any debts attributed to me by NATIONAL CREDIT ADJUSTERS , L.L.C until such time as they provide the requisite evidence to substantiate their claims. 

It is my sincere hope that NATIONAL CREDIT ADJUSTERS , L.L.C will recognize the seriousness of these allegations and cooperate fully in providing the requested documentation. Transparency and accountability are paramount in matters of debt collection, and I am committed to upholding these principles in pursuit of a fair and equitable resolution to this dispute.

Company response to consumer: Closed with explanation