Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13375545
Complaint Overview
Complaint ID: 13375545
Company: National Credit Adjusters, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Ohio
ZIP Code: 43227
Date Received: 2025-05-06T12:00:00-05:00
Date Sent to Company: 2025-05-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/year>, I submitted a formal dispute to XXXX via Certified Mail ( Tracking # XXXX ). The letter included disputes regarding collection accounts being reported by XXXX XXXX XXXX and other furnishers. Along with the dispute, I included all required documentation : a notarized affidavit of identity, photo ID, Social Security card, and a utility bill to confirm my identity and address. XXXX acknowledged receipt, yet failed to comply with the Fair Credit Reporting Act ( FCRA ). Rather than providing documented verification of the account ( s ) from the original creditoras required by FCRA 1681i ( a ) ( 1 ), 1681i ( a ) ( 2 ) ( B ), and 1681i ( a ) ( 5 ) XXXX responded with a vague confirmation that the furnishers verified the information, without supplying any supporting documentation. Additionally, the data furnisher ( XXXX XXXX XXXX ) directed me to a login portal that showed a balance but explicitly stated No Supporting Documents. No contract, billing history, or legally sufficient proof was provided. According to the FCRA, digital references or internal logs are not valid verification. As of XX/XX/year>, XXXX was confirmed to have received my dispute via certified mail and failed to provide a legally compliant response within the 30-day reinvestigation window. This delay and failure to supply evidence violates multiple sections of the FCRA and undermines my rights as a consumer.
Frequently Asked Questions
What is Complaint #13375545 about?
Complaint #13375545 was filed against National Credit Adjusters, LLC regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-05-06T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.