Debt collection -- Written notification about debt -- Complaint #10087111
Complaint Overview
Complaint ID: 10087111
Company: National Credit Adjusters, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Tennessee
ZIP Code: 37130
Date Received: 2024-09-10T12:00:00-05:00
Date Sent to Company: 2024-09-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute a debt reported by NCA on my credit report, which I was previously unaware of. I believe this entry to be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ), which mandates proper notification to consumers before reporting a debt to credit agencies. To date, I have not received any notification from NCA regarding this alleged debt prior to it appearing on my consumer report. Under the FDCPA, debt collectors are required to provide written notice of the debt within five days of their initial contact, including information on how to dispute the debt. I have not received such notification, which constitutes a failure to comply with this requirement. If NCA contends that they have provided proper notification of this debt, I request that they provide proof of such notification, including the certified mail receipt with my signature, to substantiate their claim. I am serving this letter as both a formal complaint against NCA for their non-compliance with the FDCPA and as a pre-arbitration notice. Should my consumer rights not be respected and this false account is not removed from my credit report, I will be compelled to initiate arbitration proceedings to address the false and misleading practices in violation of the FDCPA and my consumer rights. Please investigate this matter and assist me in resolving this issue promptly. I would appreciate a written response from the CFPB regarding the steps taken to address this dispute. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #10087111 about?
Complaint #10087111 was filed against National Credit Adjusters, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-09-10T12:00:00-05:00.
How did National Credit Adjusters, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against National Credit Adjusters, LLC?
Yes, visit the National Credit Adjusters, LLC company profile at readthecomplaint.com/company/national-credit-adjusters-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.