Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XX/XX/XXXX Subject : XXXX Dispute of Inaccurate Credit Report Information and Request for Investigation and Deletion under FCRA, FDCPA, and Metro 2 Compliance Dear XXXX XXXX, and XXXX, I am writing to formally dispute inaccurate information on my credit report, as reported by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and Metro 2 reporting standards. This letter is formatted in compliance with the Automated Credit Dispute Verification ( ACDV ) system to ensure accurate and verifiable processing of my dispute. I demand a thorough investigation, correction, or permanent deletion of the inaccurate entries, as well as compensation for damages caused by these reporting errors. I reserve all rights under UCC 1-308 without prejudice.

Disputed Accounts The following accounts contain inaccurate and unverifiable information : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Open Account Account Status : Derogatory Balance : {$1800.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber ; Account seriously past due date/account assigned to attorney, collection agency, or credit grantors internal collection department. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Collection Account Status : Derogatory Balance : {$1800.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Consumer disputes this account information ; Collection account. 
Specific Inaccuracies and Violations The following inaccuracies violate FCRA, FDCPA, and XXXX XXXX standards : Incorrect Date of First Delinquency ( DOFD ) : The reported DOFD is inaccurate, violating XXXX XXXX. XXXX ( a ) ( XXXX ), which prohibits reporting delinquent accounts beyond XXXX years from the XXXX. The XXXX for these accounts is unverifiable and inconsistent across bureaus ( e.g., TransUnion reports XX/XX/XXXX, while Experian references XX/XX/XXXX for Date Last Active ). This discrepancy violates XXXX XXXX guidelines, which require consistent and accurate DOFD reporting ( XXXX XXXX Format, Base Segment, Field XXXX ). 
XXXX XXXX : XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), establishes that inaccurate XXXX reporting constitutes a material violation of FCRA, warranting correction or deletion. 
Inaccurate Account Type and Status Codes : The accounts are misclassified ( e.g., Open Account vs. Collection across bureaus ), violating XXXX XXXX requirements for accurate account type designation ( XXXX XXXX Format, Base Segment, Field XXXX ). The derogatory status and comments ( e.g., Collection/Chargeoff vs. Late 120 Days ) are misleading and fail to reflect the true account status, violating XXXX XXXX. XXXX ( b ), which mandates reasonable procedures to ensure maximum accuracy. 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), holds that misreporting account status is a violation of FCRAs accuracy requirements. 
Misleading and Unverifiable Comments : Comments such as Customer disputed account - reported by subscriber and Consumer disputes this account information are vague, misleading, and fail to provide verifiable context, violating XXXX XXXX. XXXX ( b ). The FDCPA, XXXX XXXX. XXXX, prohibits false or misleading representations in debt collection communications, including credit reporting. 
Case Law : XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), confirms that misleading credit report entries violate FCRA and FDCPA. 
Failure to XXXX Reasonable Investigation : XXXX XXXX XXXX. XXXX ( b ), furnishers are required to conduct a reasonable investigation of disputes, review all provided information, and correct or delete unverifiable data. The e-OSCAR systems automated processing often fails to meet this standard, as it relies on cursory reviews rather than substantive investigations. I demand proof of a reasonable investigation, including all documentation reviewed by the furnisher. 
XXXX XXXX : XXXX v. XXXX XXXX. Bank, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), holds that furnishers must conduct meaningful investigations, not merely rely on automated systems like XXXX. 
Potential XXXX XXXX via XXXX : The transmission of inaccurate or misleading data through e-OSCAR constitutes a violation of XXXX XXXX. XXXX ( XXXX XXXX ) if done with intent to deceive. The inconsistent and unverifiable data uploaded to my credit file suggests willful or reckless disregard for accuracy, exacerbating the harm caused. 
Failure to Report Role Accurately : XXXX XXXX guidelines ( Base Segment, Field XXXX ) require accurate reporting of the consumers role ( e.g., individual, joint, or co-signer ). The designation of XXXX for these accounts is unverifiable and potentially inaccurate, violating XXXX XXXX. XXXX ( b ). 
Requested Actions Pursuant to XXXX XXXX. XXXX ( a ), I request the following : XXXX XXXX : XXXX a thorough investigation of the disputed accounts, including a review of all relevant documentation provided by the furnisher. Provide me with a detailed report of the investigation, including the furnishers response, as required under FCRA. 
Permanent Deletion : If the furnisher can not verify the accuracy of the reported information ( including XXXX, account type, status, and comments ), permanently delete these accounts from my credit file, as mandated by XXXX XXXX. XXXX ( a ) ( XXXX ). 
XXXX XXXX Compliance : Ensure all reporting complies with XXXX XXXX standards, including accurate DOFD, account type, and status codes. 
Compensation for Damages : I seek compensation for actual damages, including emotional distress and financial harm, caused by the inaccurate reporting, as authorized under XXXX XXXX. XXXX ( willful noncompliance ) and XXXX ( negligent noncompliance ). 
XXXX XXXX : XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), supports awards for emotional distress caused by inaccurate credit reporting. 
Cease Electronic Misrepresentation : Cease any further transmission of misleading or inaccurate data via e-OSCAR, as it XXXX constitute wire fraud under XXXX XXXX. XXXX. XX/XX/XXXX Subject : Cease and Desist All Communication Account # [ Account Number, if known ] Dear [ Creditor/Debt Collector Name ], Under the authority of the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ) and the Fair Debt Collection Practices Act ( FDCPA ) ( XXXX XXXX. XXXX ), I demand that you immediately cease all communication with me, including but not limited to phone calls, emails, text messages, letters, and credit reporting activities, regarding the alleged account referenced above. 
Your failure to properly verify the alleged debt, as required by FCRA XXXX and FDCPA XXXX, constitutes harassment and non-compliance with federal law. Pursuant to FDCPA XXXX ( c ), I hereby revoke any prior consent for communication. Any further contact or reporting of unverified information to credit reporting agencies violates FCRA XXXX ( b ) and will be considered willful non-compliance, subjecting you to liability under FCRA XXXX and FDCPA XXXX. 
This letter serves as a formal dispute under the FCRA and an XXXX Credit Dispute XXXX ( XXXX ) request. You are required to : Cease all communication with me in any form. 
Remove any unverified or inaccurate information from my credit reports with all credit reporting agencies ( Equifax, Experian, TransUnion ). 
Provide proof of verification compliant with FCRA XXXX ( a ) ( XXXX ) if you claim the debt is valid. 
Failure to comply within 30 days will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal action for statutory damages. 
This notice is sent in good faith and is OCRA-compliant ( XXXX XXXX XXXX XXXX principles ) to ensure fair and lawful treatment. Govern yourself accordingly. 
Sincerely,

Company response to consumer: Closed with explanation