Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
National Credit Adjust XXXX XXXX XXXX XXXX XXXX XXXX National credit adjust Account : # XXXX Date XX/XX/XXXX Account type : debt buyer Status : Collection account. {$500.00} past due as of XX/XX/XXXX Hereinafter collectively referred to as RESPONDENT, you, your company NOTICE OF DISPUTE ; DEMANDS FOR VALIDATION AND PROOF OF CLAIM HAS NOT BEEN MET! 

To Whom it May Concern This letter is being sent to you in response to the debt validation claim XX/XX/XXXX, received By the claimant by your offices. Be advised that your claim is still disputed and you fail to validate and prove the claim of the disputed. 
debt validation has not been met in accordance with the Fair Debt Collection Practices Act, 15 USC {$1600.00} and as amended by adding the following new Title 8 US {$800.00} et seq., and the Fair Credit Billing Act, 15 USC. {$1600.00} et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed. 

This is was NOT a request for " verification '' or proof of Claimant mailing address or computer generated of bank statements you could find, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully was requesting that your offices provided Claimant with competent evidence as per the attached " Declaration and Proof of Claim '' that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus, such as, XXXX XXXX XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. 

Due to this fact ; if any negative mark is found on any of Claimant credit reporting by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act Defamation of Character - Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid your company was unable to send proper validation and your offices did not provide Claimant with proof of claim of the disputed debt. Your offices have to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a " dishonor '' and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. 

Your office has failed to respond to this validation and proof of claim request within 30 days timeframe from the previous date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. 

Title 8 USC {$800.00}. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

XXXXXXXX XXXX XXXX XXXX : VERIFICATION. 
Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 
RULING 1002- Requirement of the original An original writing, recording, or photograph is required in order to prove its content unless these rules or a federal statute provides otherwise. 
Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days timeframe of the 1st letter sent; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondent 's tacit acceptance of the terms and condition stated herein.

In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as " paid as agreed ; '' and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice.

Furthermore, RESPONDENT 'S failure to " Cease and Desist '' in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above " terms and conditions, " constitutes RESPONDENT 'S `` Breach of Duty '' and voluntary agreement to compensate Claimant, by certified mail, with a cashier 's check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : XXXX ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondent 's unsubstantiated claim ; and, XXXX XXXX Dollars XXXX ) ( {$1000.00} ) for each transaction initiated by Claimant where Claimant 's commercial ability is impeded due to you, your agents ' or assigns adverse credit reporting ; and, XXXX ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response XXXX ) XXXX ) to Respondent 's unsubstantiated claims ; and, RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and 6 ) 7 ) 8 ) 9 ) fees, for money lent; and, Three times the alleged claim amount of XXXX XXXX and XXXX dollars. 
( {$500.00} ) which equals ( {$1500.00} ) ; and, XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting XXXX ) repository which could be considered detrimental to Claimant 's credit history ; and, XXXX ) Punitive damages in the amount of ( {$500.00} ) ; and RESPONPENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrator 's authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings Will be final and birding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimant 's claim against Respondent, in full, or any bankruptcy by Respondent. 
This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable.

" Equality under the Law is PARAMOUNT and MANDATORY by Law '' NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this 30 day of XXXX, XXXX by, ____________________ You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Florida and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Your company failed to provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of first letter that was sent with receipt with the request for validation and proof of claim. 
XXXX. 
Alleged Name and Address of Creditor XXXX. 
Name on File of Alleged Debtor : 3. 
Alleged Account # : Amount of alleged debt : XXXX. 
Date that this alleged debt became/becomes payable : XXXX. 
Date of original charge off or delinquency : XXXX. 
Amount paid if debt was purchased : XXXX. 
Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
XXXX. 
Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judge 's inspection should there be a trial to contest these matters. 
XXXX. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( XXXX # 's XXXX, XXXX, XXXX ), 1099 OID report, S-3/A registration statement, XXXX prospectus, XXXX & XXXX call schedules XXXX. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 
XXXX. Verified specifically, name ( XXXX ) of person ( XXXX ) assignd as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
XXXX. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
XXXX. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
XXXX. Provide verification from the stated creditor that you are authorized to act for them. 
XXXX. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit.

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any Fact, Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Fact, Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Fact, affiant is aware 15 usc 1692i Authorization of Actions that you in are fact a debt buyer have no legal action you can take especially knowing your buying alleged bad debt you do not have the rights to collect attempts or take legal action. 
Fact affiant Is aware and has proof buying debt violates 15 usc 6801 protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic per- sonal information. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards.

Fact affiant is aware of violations towards 15 usc 6803 disclosure of institution privacy policy disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution. 
Fact affiant is aware of violations

Company response to consumer: Closed with explanation