Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX XX/XX/year> National Credit Adjusters XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation, Method of Verification, Cease & Desist, and Demand for Deletion Re : Account Numbers : XXXX and XXXX To Whom It May Concern, This letter serves as a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, demanding immediate validation and verification of the alleged debt associated with the above-referenced account numbers. Additionally, I am requesting an immediate cease and desist of all communication and reporting regarding each account and a demand for permanent deletion within XXXX ( XXXX ) days. 

XXXX. Debt Validation & Method of Verification Pursuant to 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681i ( a ) ( XXXX ), I request the following : XXXX. A signed contract or agreement bearing my signature that proves I agreed to each debt. 
XXXX. A full account history, including all transactions, statements, and any original documentation from the original creditors of each debt. 
XXXX. The name, address, and contact information of the original creditors. 
XXXX. A copy of any judgments, if applicable. 
XXXX. Proof that National Credit Adjusters has legal standing to collect these debts, including a chain of custody of ownership from the original creditors. 
XXXX. The method of verification used to report and verify each debt per 15 U.S.C. 1681i ( a ) ( XXXX ), which requires a detailed explanation of how the debts were verified. 

XXXX. Violation of My Privacy Rights & Unauthorized Use of My Information I never authorized your company to obtain, report, or share my personal information. Any unauthorized access or use of my personal and financial data violates my rights under the : 15 U.S.C. 1681b ( Permissible Purpose for Consumer Reports ) 15 U.S.C. 1692c ( Communication and Privacy Restrictions ) 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) If you can not provide legal evidence of my consent or a permissible purpose, each of these debts must be immediately deleted from all records, including credit bureaus, and you must cease all collection activities. 

XXXX. Cease & Desist Notice Under 15 U.S.C. 1692c ( c ), I formally demand that you cease all communication with me, including by phone, mail, email, or any other means. If you fail to comply, you will be in violation of the FDCPA, and I will pursue legal action. 

XXXX. Demand for Deletion & Legal Consequences If you fail to provide proper validation and verification within XXXX ( XXXX ) days, you are required to delete these accounts from all reporting agencies immediately. If you continue reporting inaccurate information or fail to comply, you will be in violation of : 15 U.S.C. 1681s-2 ( b ) ( Furnishers Duty to Investigate and Correct Inaccurate Information ) 15 U.S.C. 1681n & 1681o ( Civil Liability for Willful or Negligent Noncompliance ) Failure to comply will result in legal action for statutory damages of {$1000.00} per violation, plus actual and punitive damages, as well as attorneys fees and costs as allowed under 15 U.S.C. 1681n. 

This letter serves as final notice before I escalate this matter to federal authorities, the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect a written response confirming the permanent deletion of each account within XXXX ( XXXX ) days of receipt of this letter. Failure to comply will leave me no choice but to take immediate legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation