Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
VALIDATION OF DEBT IN THE STATE OF TEXAS IN THE COUNTY OF XXXX AFFIDAVIT OF NOTICE FOR DEMAND OF DEBIT VALIDATION XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX NATIONAL CREDIT ADJUSTERS , LLC XXXX XXXX XXXX XXXX XXXX, KS. XXXX ALLEGED ACCT # XXXX ALLEGED AMOUNT OWED {$960.00} To whom it may concern : Please be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is required. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of debt claimed to be owed. I am requesting proof that I am indeed in fact the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION under USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. The competent evidence would be preferably required to be sworn to in a notarized affidavit by an eyewitness flesh and blood individual that can attest to the validity and not simply a presumption of such which would not satisfy the validation requirement but would be a deceptive trade practice in and affecting commerce in violation of section 5 of the Federal Trade Commission Act. 

At this time I will also inform you that if your office has or continues to report invalidated information to any of the XXXX XXXX  credit bureaus ( XXXX, XXXX, XXXX XXXX ), This action might constitute fraud under both federal and state laws Due to this fact if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. All actions listed within this notarized affidavit must cease and desist immediately if the alleged debt can not be validated. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with FTC and other state or federal agencies and all respondents ( rather corporation or individual employee ) who contact me without fulfillment of the obligations listed within this notarized affidavit will be held accountable for knowingly, willing, and intentionally violating its requirements. 

If your offices can provide the proper documentation as requested in the following declaration, I will require 5 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken that could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

It would be advisable that you and your client ensure that your records are in order before I am forced to take legal action. Please take notice of my name ( XXXX XXXX XXXX XXXX ), any altercation thereof without Power of Attorney to do so will also result in further actions against you such as document fraud. Do not tamper with my name. Use it as it is presented to you by me this being my sworn account of firsthand knowledge. Provide me with a signed document granting authority to alter my name to ( XXXX XXXX ) while still attempting to hold me ( XXXX XXXX XXXX XXXX ) to alleged debt. Without you providing me with this said document, I believe that whoever provides a contract allegedly signed by me without the contract stipulating me granting them authority or power of attorney to alter my name has performed identity theft/power of attorney fraud, and the contract would also be void due to breach of contract on their behalf for exerting a lack of good faith by the alteration and other statements listed herein. Please consider all these things before any response because all are required to be answered and a copy of this affidavit as well as any response will be used against you or any other respondents. Federal Trade Commission complaint, FBI crime report, and additional actions will be taken so, please show good faith and provide the following as soon as possible : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims made by any creditor regarding this account. 
Any judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor Alleged account number Address on file for alleged debtor Amount of alleged debt Date this alleged debt became payable Date of original charge off or delinquency Verification that this debt was assigned or sold to a collector Complete Accounting of alleged debt Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the respected bonding agent in case legal action becomes necessary. 
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. 

This is a request for validation made under the Fair Debt Collection Practices Act. 

Failure to respond within 5 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation- 28 U.S. code 4101 Negligent Enablement of identity fraud- 18 U.S. code 1028 ( a ) Violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to section 623-b ) Please Note : This is an attempt to correct your records, and my information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation