Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters CFPB Complaint I am filing this complaint against National Credit Adjusters regarding a fraudulent account being reported or furnished in my name. According to my FTC Identity Theft Report, I am a victim of identity theft, and National Credit Adjusters NCA is listed as an account affected by the crime. My FTC Report No. is XXXX, and my statement in that report says none of the listed items belong to me. I never signed a contract with National Credit Adjusters. I never authorized this company to open, own, collect, purchase, assign, or report any account in my name. The presence of this account is disputed in full as fraud and identity theft. My FTC report identifies National Credit Adjusters NCA as a fraudulent account I discovered in XX/XX/year>. National Credit Adjusters has no lawful basis to continue furnishing this account if it can not produce competent documentary proof tying this alleged debt to me. If this account was acquired from another entity, I demand the complete chain of assignment, all transfer documents, all sale records, and any forward flow agreement or purchase agreement that National Credit Adjusters relies on to claim ownership or collection rights. I also demand the original signed contract, original application, account statements, signature records, and any identity documents allegedly connecting me to this account. Under the Fair Credit Reporting Act, a furnisher must not furnish information to a consumer reporting agency if it knows or has reasonable cause to believe the information is inaccurate. A furnisher also must not continue reporting information after notice of a dispute if the information is inaccurate, incomplete, or can not be verified. Under 15 U.S.C. 1681s-2, National Credit Adjusters is prohibited from furnishing inaccurate information to any consumer reporting agency, and after receiving notice of dispute, it must conduct a lawful investigation and review all relevant information. Under 15 U.S.C. 1681c-2, consumer reporting agencies must block reporting of information resulting from identity theft within 4 business days after receipt of proper identity theft documentation. My FTC Identity Theft Report qualifies as identity theft documentation for this process. Under 15 U.S.C. 1681i, disputed information must be reasonably reinvestigated, and inaccurate or unverified information must be deleted. California law also prohibits this conduct. California Civil Code 1785.25 ( a ) states that a person shall not furnish information to a consumer credit reporting agency if the person knows or should know the information is incomplete or inaccurate. California Civil Code 1785.14 requires reasonable procedures regarding consumer reporting, and California Civil Code 1785.16 requires reinvestigation procedures and procedures designed to prevent deleted information from reappearing without proper basis. Because this account is the result of identity theft, and because I never signed any contract with National Credit Adjusters, I demand the following : Immediate cease and desist from any collection activity on this account. Immediate cessation of all furnishing, verification, or communication of this account to XXXX XXXX XXXX or any other consumer reporting agency. Immediate deletion of this account from all credit reporting. Immediate request by National Credit Adjusters to all consumer reporting agencies to permanently block this fraudulent account from reappearing on my credit files. Full method of verification. Full complete details of the investigation conducted, including dates, times, persons contacted, documents reviewed, and every item relied on. Complete chain of assignment. Any forward flow agreement, purchase and sale agreement, transfer record, account level sale data, or ownership record. The original signed contract or other admissible proof bearing my signature. If National Credit Adjusters can not provide all of the above, then it must stop reporting, stop collecting, delete the account, and instruct all consumer reporting agencies to permanently block it as identity theft. Continuing to report or verify a fraudulent account without competent proof is unlawful. I am demanding immediate relief through the CFPB. If National Credit Adjusters fails to comply, I will treat its conduct as willful noncompliance and pursue all available remedies for statutory damages, actual damages, costs, and any other relief allowed by federal and California law. Attachments : FTC Identity Theft Report Copy of government ID Copy of Social Security card

Company response to consumer: Closed with explanation