Consumer complaint received 2025-11-18 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: AL

Complaint narrative:
I am filing a complaint against National Credit Adjusters ( NCA ) because they have failed to timely remove a collection tradeline from my credit reports after a pay-for-delete agreement was completed. 
I entered into a written/verbal pay-for-delete agreement with NCA for the accounts associated with them. Under this agreement, I agreed to pay the amount requested in exchange for NCA requesting deletion of the collection tradelines from all three major credit reporting agencies ( XXXX XXXX XXXX XXXX ). 
I fulfilled my part of the agreement and paid the agreed amount in full using my bank card. NCA confirmed receipt of payment and stated that they would remove the tradelines from my credit reports. 
However, when I followed up, NCA informed me that it would take 6090 days for the collection tradelines to be removed. As of today, the tradelines is still reporting as a collection/negative account on my credit reports, despite the completed pay-for-delete arrangement and their acknowledgement of my payment. 
This delay is causing ongoing harm, including : Lower credit scores Potential denial or worse terms on credit/loan applications Inaccurate representation of my current financial status and agreement with NCA Why XXXX believe this is wrong Breach of agreement : NCA agreed XXXX a pay-for-delete arrangement. I upheld my end by paying in full. They are now delaying the removal of the tradeline beyond a reasonable time frame, while still allowing the negative information to harm my credit. 
Unreasonable reporting delay : Creditors and collectors routinely update accounts with the credit bureaus in much shorter cycles ( often 30 days or less ). Telling a consumer it will take 6090 days to honor a specific agreement to delete a tradeline appears unreasonable and unfair, especially when the payment has already been processed and confirmed. 
Potentially inaccurate or misleading reporting : By continuing to report the account as an active collection/negative tradeline after being paid under a pay-for-delete agreement, NCA and the credit bureaus are allowing information that does not reflect the current status and agreement to remain on my report. 
What I want NCA and the credit bureaus to do I am asking the CFPB to assist with the following : Immediate deletion of the tradeline Require National Credit Adjusters to : Promptly submit deletion requests for this collection tradeline to XXXX XXXX XXXX XXXX ; and Provide written confirmation to me that they have done so. 
Correct and update my credit reports Require all three credit reporting agencies to : Remove this collection tradeline from my credit reports ; and Provide me updated copies of my credit reports showing the deletion. 
Written explanation Require NCA to : Explain why they represented that it would take 6090 days to remove the tradelines after payment was made under a pay-for-delete agreement ; and Confirm that no further negative reporting will be made regarding this account.

Company response to consumer: Closed with explanation