Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing a complaint against National Credit Adjusters, who I believe has willfully violated my consumer rights under the Texas Finance Code and the Fair Debt Collection Practices Act ( FDCPA ).

Details of the Complaint : Account Number : XXXX XXXX XXXX XXXX XXXX  Date of Dispute : On XX/XX/XXXX, I sent a dispute letter to National Credit Adjusters, requesting validation of the debt they reported on my credit reports, as required under Texas Finance Code 392.202 and FDCPA 1692g.

Failure to Respond : Despite my request, National Credit Adjusters did not provide a response within the 30-day period stipulated by law. As of today, I have not received any verification or validation of the debt. The failure to respond within the mandated timeframe is a violation of my rights as a consumer. 

Lack of Evidence : There is no evidence in the records provided to me that National Credit Adjusters sent the requested verification and internal records do not confirm that the validation letter was ever delivered to me.

Legal Precedent : In similar cases, courts have held that internal records are not sufficient to prove delivery of validation requests. In Heintz v. Jenkins, 514 U.S. 291 ( XXXX  ), the Supreme Court ruled that a debt collectors failure to respond within the timeframe required by law constitutes a violation of consumer rights when they do not have proof of delivery.

Concerns About Identity Theft or Fraud : Due to the failure of National Credit Adjusters to provide any documentation, I am concerned that this debt may have resulted from identity theft, misidentification, or fraud. Without proper validation or documentation, I can not verify that this debt is legitimate, and I can not trust that National Credit Adjusters has the legal standing to collect from me.

Too Little, Too Late : Any documentation presented by National Credit Adjusters at this stage comes too little and too late. As per Jerman v. Carlisle, 559 U.S. 573 ( XXXX ), debt collectors can not " cure '' the failure to validate a debt after the time to do so has passed. This invalidates any documentation provided after the fact as ineffective in satisfying the requirements of the law. 

Damages : As a result of National Credit Adjusters ' willful failure to validate the debt, I have suffered damages, including emotional distress, anxiety, and damage to my credit standing. Moreover, the debt collectors continued collection efforts on a disputed account have caused me financial harm.

Lack of Legal Standing : I do not believe that National Credit Adjusters has the legal standing to collect this debt, as they have failed to provide adequate documentation to prove the debt is mine or that they have the right to collect on it. 

Legal Precedent : The CFPB has successfully taken action against debt collectors for similar practices, including failure to validate debts and continuing collection activity without proper documentation. In cases like CFPB v. Nationwide Biweekly Administration , Inc., the court held that failure to validate a debt within the statutory period is a clear violation of consumer rights, and action must be taken.

Request for Investigation : Given the nature of this complaint and the violations outlined above, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a full investigation into the practices of National Credit Adjusters and take the necessary actions to protect consumers from such unlawful activities. I am seeking a full review of their handling of my dispute, as well as any potential systemic issues affecting other consumers. 

Please do not hesitate to contact me for any further information or documentation required to support this claim. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation