Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
**To : ** National Credit Adjusters ( NCA ) **Via CFPB Portal** **Re : ** Response to CFPB Case XXXX XXXX  Dear NCA Representative, Your response to my complaint is wholly inadequate and fails to address the critical issues of your unlawful and deceptive practices. Let me be clear : I will not tolerate violations of my rights under the **Fair Debt Collection Practices Act ( FDCPA ) ** and the **Fair Credit Reporting Act ( FCRA ) **. 
1. **Unlawful Reinsertion of Debt Without Notice** You acknowledge in your response that my account was placed into a **cease and desist status** and designated as **Call Attorney Only**. Despite this, you re-reported the debt on my credit report without providing the legally required notice under the FCRA. This is a direct violation of federal law and has caused unnecessary harm to my credit profile and reputation. 
If the account was in " cease and desist '' status, how is it lawful or ethical to re-report the debt without my knowledge? Your failure to notify me of this reinsertion violates my consumer rights and demonstrates either gross negligence or willful misconduct. 
2. **Failure to Provide Adequate Validation** The documents you provided do not constitute proper validation of the debt under the FDCPA. You are required to prove the following : That the debt is valid and accurately calculated. 
That you have the legal right to collect on this debt. 
That the chain of title for this account is clear, including documentation of the transfer from XXXX XXXX. 
Your request for **proof of payment** is inappropriate and an attempt to shift the burden of proof onto me. The obligation to validate the debt rests entirely with you, the debt collectornot the consumer. 
3. **Misleading Attempt to Conclude the Case** Your statement that " this information should bring this matter to a conclusion with our office '' is both premature and false. This matter is far from resolved. You have yet to : Remove the improperly reported account from my credit report. 
Provide full documentation proving your legal right to collect this debt. 
- Acknowledge and remedy your violations of federal law. 
DEMAND FOR IMMEDIATE RESOLUTION To resolve this matter, I demand the following : 1. **Immediate and permanent removal of this debt** from all credit reports with all credit bureaus.

2. Written confirmation that this account will not be re-reported in the future.

3. Compliance with FDCPA and FCRA requirements, including providing complete and accurate documentation proving the debt 's validity. 
If these demands are not met within XXXX*30 days**, I will escalate this matter. This includes filing additional complaints with the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and my state Attorney Generals office. I am also prepared to pursue legal action for damages caused by your unlawful reporting and collection practices. 
I expect an immediate and satisfactory resolution to this matter. If you fail to comply, you will leave me no choice but to take further action. 
Sincerely, XXXX XXXX social Security XXXX

Company response to consumer: Closed with explanation