Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
What happened is that an account allegedly belonging to NCA ( National Credit Adjusters ) is appearing on my credit report as a collection/charge-off with a past-due balance of {$970.00}, even though I do NOT own this account, have never conducted business with NCA, and have never authorized or signed for any debt associated with this company. The reporting of this account is false, fraudulent, inaccurate, harmful, and in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). This account does NOT belong to me. 

The NCA account is reporting as : Collection/Charge-off Derogatory status Past-due balance : {$970.00} 90-day late markers ( 29 times reported ) Severe delinquency history Negative impact on my credit file This account is entirely incorrect. I never had an account with NCA or with any original creditor they claim to represent. 

The first time I discovered this alleged NCA account was while reviewing my credit report. I immediately recognized that the account was fraudulent because I have never opened any credit line, loan, service account, or agreement that would have resulted in a debt later assigned or sold to National Credit Adjusters. I have never applied for any loan or credit product that matches the amount of {$970.00}, nor have I ever received any contact from an original creditor regarding such a balance. 

Furthermore, I have NEVER received : A notice of debt A letter of assignment A right-to-dispute notice under the FDCPA A validation notice Any billing statements Any communication about a {$970.00} balance Any 30-day validation opportunity Any collection attempts from NCA Any phone calls Any emails Any mailed statements If NCA truly believed I owed a debt of {$970.00}, they would have been required by law to send me written notice within five days of their initial communication. I received nothing.

Because I knew the account was not mine, I immediately disputed it with all three credit reporting agencies. Under FCRA 611 ( a ), the credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes an account. However, despite my clearly stating that I do not own this account and have never owed NCA anything, the credit bureaus responded with a generic verified or updated resultwithout providing any documentation to support the verification. 

This shows that no meaningful investigation occurred. 

A proper investigation requires NCA to produce actual evidence that the account belongs to me. That evidence would include : A signed original credit application The original creditors account agreement My verified government-issued ID used at account opening Records of the loan disbursement or transaction Monthly billing statements Full payment history The original creditors charge-off documentation Proof of ownership and chain-of-title showing NCA legally owns the debt A breakdown of how the {$970.00} balance was calculated Internal servicing notes Collection activity logs Call logs or correspondence logs Notices of delinquency Validation letters sent to me None of these documents have ever been produced by NCA or by any credit bureau. Without them, the account is unverified and unsubstantiated. 

The NCA tradeline contains extremely damaging derogatory information, including a repeated history of 90-day late reporting for 29 cycles, which is impossible because I never owed, never missed payments, and never defaulted on any such account. This long-term delinquency reporting is fabricated and has no basis in fact.

The reported 90-day late count of 29 cycles is also a red flag because : It far exceeds normal reporting patterns It suggests improper aging or inaccurate coding It violates XXXX XXXX reporting standards It does not match the timeline of any account I have ever had It implies opened, active, and defaulted activity that never occurred This is evidence of identity theft, file mixing, or inaccurate reporting. 

Because I do not own this account and have never been associated with NCA, the presence of this false {$970.00} collection item has already caused substantial harm to my credit profile. It has lowered my score, negatively affected my creditworthiness, and has created barriers to : New credit applications Affordable interest rates Rental approvals Insurance underwriting Potential employment opportunities where credit checks are used Overall financial stability This derogatory reporting is unfair, inaccurate, and unlawful. 

NCA, as a furnisher of information, is subject to FCRA 623 ( a ) ( 1 ), which prohibits furnishers from providing information that is inaccurate or incomplete. Reporting an account that does not belong to me, with a balance of {$970.00} that I never owed, is a violation of this obligation.

NCA is also required under FCRA 623 ( b ) to conduct an investigation upon receiving a dispute from the bureaus. That investigation must be meaningful, thorough, and based on actual documentation. NCA must : Review all relevant information Locate and examine the original documentation Confirm that the debt belongs to the correct consumer Correct or delete inaccurate information Based on the absence of any documentation provided to me, it is clear that no real investigation occurred. 

Additionally, NCA is required to report the account as disputed by consumer under FCRA 623 ( a ) ( 3 ). If the notation is missing or inconsistently applied, that alone is grounds for deletion because it misleads creditors reviewing my report.

The credit bureaus also violated their obligations under FCRA 607 ( b ), which requires them to ensure maximum possible accuracy. Allowing an unverified, inaccurate {$970.00} derogatory account to remain on my file violates this standard.

There is no circumstance in which the NCA tradeline accurately belongs on my credit report. 

The account is most likely the result of : Identity theft A mixed file with another consumer Data-entry errors Incorrect assignment An account belonging to someone with a similar name Incorrect use of fragmented identifying information Faulty debt purchasing data System-generated errors in the reporting pipeline Because I never received any documentation, never owed this balance, never interacted with NCA, and never opened any account leading to such a debt, the account must be considered fraudulent and invalid.

During the dispute process, I requested the credit bureaus to provide a Method of Verification, which is my right under FCRA 611 ( a ) ( 6 ). The bureaus failed to do so. They did not state : What documents they reviewed Whether NCA provided a contract Whether NCA could prove the balance Whether they matched my identity to original application records Whether the verification process was automated Who verified the information Whether any physical evidence was obtained Without this information, the reinvestigation can not be considered lawful or compliant. 

Because the NCA account is inaccurate, unverifiable, and not mine, its presence on my credit report is causing continuing harm. Every day that this false {$970.00} collection remains on my credit file is another day of financial injury. 

Summary of What Happened : NCA is reporting a {$970.00} collection account that I do NOT own. 

I have never opened any account that could be associated with NCA. 

I never owed {$970.00} to any original creditor. 

I never received any billing statements, notices, or validation letters. 

I never received any contact from an original creditor regarding this debt. 

The account contains 29 months of 90-day late reporting, which is impossible. 

I disputed the account with all major credit bureaus. 

No documentation was provided to verify ownership. 

The credit bureaus failed to provide a Method of Verification. 

NCA did not provide a signed contract or identity documents. 

The reporting violates multiple provisions of the FCRA. 

The continued reporting of this account is damaging my credit and financial opportunities. 

This account is fraudulent, erroneous, and must be removed. 

I am filing this complaint to request CFPB intervention because the furnisher and the credit bureaus have failed to properly investigate or correct the inaccurate information. I do not owe NCA any money. This account was never mine.

Company response to consumer: Closed with explanation