Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Identity Theft Dispute Fraudulent Collection Account Reference : National Credit Adjusters Account # XXXX Dear XXXX Dispute Department, I am writing to dispute a fraudulent collection account that appears on my XXXX credit report. The account is listed under National Credit Adjusters, account number XXXX, with a balance of {$1300.00}, and a date of first delinquency of XX/XX/XXXX. 

I am the victim of identity theft and have no knowledge of this account. I did not authorize, open, or have any dealings with National Credit Adjusters or any related creditor. This account was opened without my permission and should not be reported in my name. 

I have filed a police report regarding this identity theft incident. Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX immediately block and remove this fraudulent account from my credit report pursuant to Section 605B, which requires credit bureaus to remove identity theftrelated information once proper documentation is provided. 

I have enclosed a copy of my government-issued identification and a document verifying my current address. Please conduct your investigation and confirm in writing that this account has been deleted from my credit file. 

Thank you for your attention and assistance in correcting this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Dispute Fraudulent Collection Account Reference : National Credit Adjusters Account # XXXX Dear XXXX  Dispute Department , I am writing to dispute a fraudulent collection account that appears on my XXXX credit report. The account is listed under National Credit Adjusters, account number XXXX, with a balance of {$1300.00}, and a date of first delinquency of XX/XX/XXXX. 

I am the victim of identity theft and have no knowledge of this account. I did not authorize, open, or have any dealings with National Credit Adjusters or any related creditor. This account was opened without my permission and should not be reported in my name. 

I have filed a police report regarding this identity theft incident. Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX immediately block and remove this fraudulent account from my credit report pursuant to Section 605B, which requires credit bureaus to remove identity theftrelated information once proper documentation is provided. 

I have enclosed a copy of my government-issued identification and a document verifying my current address. Please conduct your investigation and confirm in writing that this account has been deleted from my credit file. 

Thank you for your attention and assistance in correcting this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation