Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau : Re : National Credit Adjusters , LLC Original Creditor : XXXX Account Number : XXXX I am formally disputing the accuracy, legality, and continued reporting of this debt by National Credit Adjusters , LLC. This account originated with XXXX in or around XXXX. Despite the age of the account, NCA continues reporting and actively updating this collection account with XXXX, XXXX, and XXXX. The account currently reflects a balance updated date of XX/XX/XXXX, while simultaneously showing a status updated date of XX/XX/XXXX. NCA is continuing to update and furnish this account years after the original default date in a manner that artificially extends the negative impact on my credit profile. This reporting activity is materially damaging my ability to obtain credit and function financially. I have already disputed this account directly, and the credit bureaus currently note : Account information disputed by consumer. Despite this dispute, NCA continues reporting the account without providing competent documentary evidence establishing : Their legal authority to collect or report this debt. The accuracy of the claimed balance. The original date of first delinquency. Compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the CFPB require National Credit Adjusters , LLC to provide the following immediately : 1. The original signed agreement or contract between myself and XXXX. 2. Complete chain-of-title documentation demonstrating how NCA obtained ownership or collection authority for this debt. 3. The original date of first delinquency associated with the account. 4. A complete payment and transaction history from the original creditor. 5. Documentation proving the claimed balance is accurate and legally collectible. 6. Documentation demonstrating compliance with the FCRA and FDCPA regarding continued reporting and account updating. 7. A detailed explanation as to why this account continues receiving updated reporting activity years after the original default date. National Credit Adjusters publicly states that its business is rooted in integrity, professionalism, and the highest standards of compliance. Based on the conduct surrounding this account, those public representations appear inconsistent with their actual reporting practices. If NCA can not produce competent documentary evidence validating this debt and demonstrating lawful authority to continue reporting it, I request immediate deletion of theXXXX account from XXXX, XXXX, and XXXX. Additionally, I request an investigation into whether NCA is engaging in unlawful re-aging and misleading furnishing practices designed to extend the negative impact of this account beyond the lawful reporting period. This matter has caused ongoing financial harm and requires immediate regulatory review. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation