Debt collection -- False statements or representation -- Complaint #12399856
Complaint Overview
Complaint ID: 12399856
Company: National Credit Adjusters, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 77373
Date Received: 2025-03-09T12:00:00-05:00
Date Sent to Company: 2025-03-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally request clarification regarding an alleged debt that your agency claims I owe. Under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681b and 15 U.S.C. 1692g, I am entitled to request and receive specific information related to this debt. I would like to highlight that I have never entered into a legally binding contract with your agency that would indicate I owe any amount. Furthermore, I believe the original creditor may have engaged in fraudulent practices. In accordance with the FCRA, I am requesting the following information to verify the validity of this alleged debt : 1. The date of first delinquency. 2. The date of the last payment. 3. The date of charge-off. 4. The chain of assignment for this debt. Additionally, I would like to request a purchase order that includes all parties involved in this alleged debt, along with signed proof that you have the legal right to collect this debt in Texas. Please provide this information at your earliest convenience. Failure to provide adequate verification may result in a request for statutory damages due to the furnishing of inaccurate information regarding this debt. Thank you for your attention to this matter. I look forward to your prompt response.
Frequently Asked Questions
What is Complaint #12399856 about?
Complaint #12399856 was filed against National Credit Adjusters, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-03-09T12:00:00-05:00.
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.