Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
As I saw a little payper informing about a new unrecognized attempt to collect a debt I inmediately answer to them that I will dispute it. Then a few weeks later I saw a unrecognized collection account in my Credit file by a Company which is not completely accredited at the moment I researched about them. I disputed two times by XXXX online and also by phone call, and a visible note of statement is written and visible in my file for the 3 Bureaus and all the lenders. I can add more details of course now. I did not know before about this way to report fraud, but I never accepted that false unfair collection account which can affect my credit history for several years with negative mark, and for a fraudulent traded debt of ridiculous amount. It was done for sure by miserable and non ethic people who want to affect others unproperly. The true facts are this : I had two previous loans with XXXX XXXX paid in full with their interests on time, but on XX/XX/XXXX2024 I was suddenly unemployed, alone without any support and lived a real hardship situation for about 3 months until was employed again at the end of XXXX and my first paycheck was in XXXX, XXXX. Thats why my credit was affected and I followed advice from a debt relief company about not to pay without their mediation. I quit the relationship with that and another company in XXXX because I did not see any help and the delays were affecting me more so I inmediately starting to pay everything from XXXX to XXXX to be current in my payments conminments. There were priorities of course and I started with the Car debt, but on XXXX I closed a Payment Agreement also with XXXX XXXX to COMPLETE payment of my 3rd loan with them, THE LAST AMOUNT OF DEBT, IN TWO PARTS. I have proof of payments, but they do not permit written communication, so they also close this agreements by phone call. I only have proof of payments and the initial documents of their loans, but they did something without tell me, and month later the other company told me they have a collection account I am not really responsible for. It was something very dirty and dark they did without previous notice because the debt was paid on XXXX 2024. They are now negotiating a reduction of that debt with Acredited Company because they are representing me at the present and they told me a lawyer is more expensive and needs more time to solve this, but If I accept to pay, then I am accepting responsability and agreement with that fraudulently created collection account. Thanks for attending this concern. I tried to expose facts directly in English but my mother language is Spanish. I received an email from National Credit Adjusters , LLC XXXX on Mon, XX/XX/XXXX2026 with the following response to my previous claim : Original Account # : XXXX Current Balance : {$420.00} Dear XXXX XXXX, We are contacting you to acknowledge your claim that this account is a result of fraud. In order for us to properly conduct our investigation and close this account as fraudulent, we must receive one of the following documents, which must include the Original Creditor and the Original Account # ( see above ). An FTC Identify Theft Report from the following website : www.identitytheft.gov. A copy of the police report from your local police. A fraud affidavit form ( from any other source ). You may provide your document to us by mail at PO Box XXXX, XXXX KS XXXX or email at XXXX. Please include the NCA Account #. We have discontinued collection efforts, beginning 30 days from the date we received your notification. If your document is not received within that timeframe, collection efforts may resume. For questions, please contact us at XXXX. Sincerely, National Credit Adjusters Disclosures : This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. National Credit Adjusters Physical Address : XXXX XXXX XXXX XXXX. XXXX, KS XXXX Toll Free : XXXX I have been very busy and I do not think a police report is right for this more than a year after XX/XX/XXXX2025 when I paid to XXXX XXXX and almost a year after the fraudulent collection account opened in XXXX 2025, but reporting Fraud in this page should be the right way and enough to solve this correctly. You can contact XXXX XXXX and confirm the true of the FACTS WRITTEN AND DESCRIBED TRULY HERE. THANKS SO MUCH Best Regards XXXX XXXX

Company response to consumer: Closed with explanation