Debt collection -- False statements or representation -- Complaint #10494885
Complaint Overview
Complaint ID: 10494885
Company: National Credit Adjusters, LLC
Product: Debt collection
Sub-Product: Payday loan debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 77598
Date Received: 2024-10-17T12:00:00-05:00
Date Sent to Company: 2024-10-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX Consumer Information : ** XXXX XXXX XXXX, TX XXXX XXXX XXXX National Credit Adjusters , LLC XXXX, KS XXXX ( XXXX ) XXXX I am writing to formally complain about National Credit Adjusters , LLC. They have altered important details regarding an account that is reported on my credit report. Specifically : 1. They changed the date the account was opened. I have proof that the account was originally opened in 2021, but they have reported a different date. 2. They modified the name of the original creditor to themselves, which misrepresents the account 's history. 3. They adjusted the missing payment date to XXXX, which is inaccurate and affects my credit report negatively. These actions violate the Fair Credit Reporting Act ( FCRA ), specifically : - **15 U.S. Code 1681s-2 ( a ) ** : Requires furnishers of information to provide accurate information. Reporting incorrect dates and misrepresenting the creditor history is a breach of this law. - **15 U.S. Code 1681i** : Allows consumers to dispute inaccurate information on their credit reports. Since the information being reported is inaccurate due to their alterations, I am requesting an immediate retraction of this information. Under the Fair Debt Collection Practices Act ( FDCPA ), I also point out that : - **15 U.S. Code 1692e** : Prohibits debt collectors from using false or misleading representations in connection with the collection of any debt. The inaccuracies reported fall under this category and further invalidate any claim they may have over this debt. As a result of these alterations, I believe the debt is null and void, as they have provided false information on my credit report, violating my rights under consumer protection laws. I request that National Credit Adjusters , LLC remove this inaccurate information from my credit report promptly. Additionally, I do not acknowledge owing any debt to this company. I am attaching documents that support my claim. Thank you for your attention to this matter. I look forward to your prompt response. Signature XXXX XXXX
Frequently Asked Questions
What is Complaint #10494885 about?
Complaint #10494885 was filed against National Credit Adjusters, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-10-17T12:00:00-05:00.
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.