Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
This is my second time contacting this company regarding this alleged account. I REFUSE TO PAY THIS DEBT. I do not acknowledge liability for this alleged obligation, and I will not remit payment on a claim that has not been properly validated under federal law. This correspondence serves as formal notice demanding that National Credit Adjusters immediately cease all collection activity and communication regarding this account. Collection activity includes, but is not limited to, reporting, verifying, updating, or furnishing information to any consumer reporting agency. I am demanding strict validation of this account. Specifically, I require ALL Original Account Level Documentation ( OALD ). I am not requesting summaries, internal system screenshots, database entries, or documents described merely as available documentation. I am requesting authentic, original records created and maintained by the original creditor. Identify the specific individual who claims to possess personal and requisite knowledge of the facts relating to this alleged debt, including the authenticity of the account and possession of the OALD. That individual must be competent to establish a prima facie case pursuant to XXXX XXXX XXXX v XXXX. XXXX. XXXX, XXXX NY XXXX XXXX, XXXX [ XXXX ]. Personal knowledge can not be established solely through review of National Credit Adjusters internal records. Confirm that the same individual has personally reviewed the original account-level documentation and is familiar with the original creditors record-keeping practices in compliance with XXXX XXXX XXXX XXXX XXXX No. XXXX v Vill. of XXXX, XXXX XXXX XXXX, XXXX [ XXXX XXXX XXXX ]. Provide a complete chain of title reflecting every transfer of ownership of this alleged debt. This must include : The name of each prior debt owner Copies of every assignment of the alleged debt All prior assignments executed by any previous holder Additionally, provide a certified or properly authenticated copy of each bill of sale or transfer agreement evidencing the transfer of ownership of this account from the original creditor at charge-off through each successive purchaser, including National Credit Adjusters XXXX Provide a signed document evidencing the opening of this account. Further, provide OALD reflecting purchases, payments, or any other actual use of the account attributable to me. Provide OALD reflecting the original principal balance of the alleged debt, excluding any post charge-off or post-judgment additions. If the balance currently claimed exceeds the post charge-off or post-judgment amount, provide a detailed accounting explaining how the amount was calculated and cite the contractual provision and legal authority permitting such increases. I demand a complete transactional history of the account from inception with the original creditor, including full monthly account statements. All original account-level documentation must be mailed directly to my address as reflected in the header of this request. These records must originate from the original creditor and not be recreated solely on debt collector letterhead. Provide documentation reflecting the original contractual terms and conditions governing the account at the time it was opened, including any amendments or updated terms thereafter. Disclose the date of the last payment made to the original creditor. Confirm that you are not attempting to collect a time-barred debt outside the applicable statute of limitations and that you have complied with required disclosures concerning legal enforceability pursuant to 15 U.S.C. 1692e ( 5 ). Provide your written policies and procedures governing dispute investigations, along with a description of the system used to maintain and enforce compliance. This constitutes a Direct Dispute. You are required to conduct a reasonable and complete investigation within 30 days of receipt pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). Should you attempt to characterize this dispute as frivolous or irrelevant, be advised that my full legal name, current mailing address, and the account number as reported appear in the header of this request. Any such determination must be provided in writing within five days of receipt. Provide written confirmation of the current legal status of this account within your records. You are prohibited from making any false, deceptive, or misleading representations in connection with this alleged obligation pursuant to 15 U.S.C. 1692e ( 10 ). I am fully prepared to enforce my rights under federal consumer protection laws and pursue relief in a court of competent jurisdiction pursuant to 12 U.S.C. 5565 ( a ) ( 1 ) for violations under the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware that statutory damages of up to {$1000.00} per violation may be awarded in addition to actual damages sustained. You are afforded 30 days to provide all requested documentation and to immediately remove any unlawful consumer credit reporting associated with this account. Failure to permanently delete this account and issue a debt waiver will result in legal action being filed in a proper venue within my county. This statement is true and lawful.

Company response to consumer: Closed with explanation