Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I recently checked my credit report and noticed something that was inaccurately reporting. 

Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, I request : ( 1 ) a copy of a Physical contract/ agreement allegedly between National credit adjust and XXXX XXXX. The So-called Statement of account you sent me may have been modified or falsified to fit National credit adjust false narrative. I am in hardship trying to pay bills after this Covid -19 pandemic, this means I do not have funds available to pay an alleged debt that I refuse to pay. You are to limit all communication to post mail only when you have properly validated the so-called debt you claim. 

I never received an initial communication ( dunning letter ) from National Credit Adjust, which means you are in direct violation of 15USC 1692g ( a ) ( b ). This is no longer a bonified error on your part. According to your response to this correspondence, my Consumer Attorney will review your so-called proof of claim. 

I have been advised that credit reporting is a form of collection strategy, we demand All credit reporting cease immediately as you are in violation of 1692e ( 8 ). 

I have a few questions of you for assistance in this so-called debt you are to answer

them under penalty of perjury in affidavit form via certified mail. 1. Sending mail through using the postal system without validation, is that mail fraud is this true?
2. I must demand proof of this debt, specifically the alleged physical contract or other financial instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
XXXX. This alleged debt is time-barred, is this true? 
XXXX. Your firm does not have a debt collection license from my state, is this true? 
XXXX. Your firm does not know the date of the last payment, is this true? 
XXXX. Please provide the amount of money you lost in this transaction. 
XXXX. Did you provide any funds to me pertaining to this alleged debt and how much did you invest if any? 
XXXX. Did you provide an amount of credit to me concerning this account? 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. 

You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity. 


regarding my demand for proof, since my notice of dispute dated and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Here and forward, if you are not able to validate and show PROOF OF CLAIM and you choose to VIOLATE my USC 1692 et seq rights, again and again, this should not be considered a bonified error hence this next opportunity and effort to inform you again. 

Further, because of the nature of these Violations with your company against me, I'm asking for {$1000.00} per violation. This is for your company causing distress, many missed nights of sleep and headaches. This letter is to serve as a formal complaint with the CFPB, FTC, Attorney General, and the XXXX 

Sincerely, XXXX

Company response to consumer: Closed with explanation