Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17950551
Credit Report Error: Incorrect Account Status
Complaint Overview
Complaint ID: 17950551
Company: National Credit Adjusters, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Alabama
ZIP Code: 35405
Date Received: 2025-10-31T12:00:00-05:00
Date Sent to Company: 2025-12-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue pertains to a specific account status error on a credit report, which is generally rectifiable.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Account status
AI Analysis
CFPB complaint 17950551 was filed against National Credit Adjusters, LLC regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect account status information on their credit report to National Credit Adjusters, LLC, which was closed with an explanation. The complaint was received on October 31, 2025 from Alabama. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information.
Regulatory Insight
Credit bureaus and furnishers must investigate disputes regarding inaccurate information on credit reports in a timely manner.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Alabama.
Industry Comparison
This is a common issue within the credit reporting industry, where errors in account status can occur.
Related Issues
Frequently Asked Questions
What is CFPB complaint 17950551 about?
CFPB complaint 17950551 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against National Credit Adjusters, LLC on October 31, 2025.
Which company is complaint 17950551 filed against?
Complaint 17950551 was filed against National Credit Adjusters, LLC. You can view all complaints against this company on their profile page at /company/national-credit-adjusters-llc.
What was the company's response to complaint 17950551?
National Credit Adjusters, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 17950551 filed?
Complaint 17950551 was received by the CFPB on October 31, 2025. It was sent to National Credit Adjusters, LLC on December 11, 2025.
What state was complaint 17950551 filed from?
Complaint 17950551 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 17950551?
Dispute information is not available for complaint 17950551.
What product category is complaint 17950551 about?
Complaint 17950551 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 17950551 submitted?
Complaint 17950551 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 17950551?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information. This relates to a Credit reporting or other personal consumer reports complaint against National Credit Adjusters, LLC involving "Incorrect information on your report".
How likely is complaint 17950551 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 17950551?
This complaint is rated as low risk. The risk is low as the issue pertains to a specific account status error on a credit report, which is generally rectifiable.
What regulatory actions apply to complaint 17950551?
Credit bureaus and furnishers must investigate disputes regarding inaccurate information on credit reports in a timely manner. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 17950551?
Consumers should regularly review their credit reports for accuracy and dispute any incorrect information with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 17950551?
The complaint originated in Alabama. This complaint was filed from Alabama.
How does complaint 17950551 compare to industry norms?
This is a common issue within the credit reporting industry, where errors in account status can occur.
What steps should a consumer take if they find incorrect account status information on their credit report?
The consumer should first dispute the inaccuracy directly with the credit reporting agency (e.g., Equifax, Experian, TransUnion) and also with the company that provided the information (National Credit Adjusters, LLC in this case).
Disclaimer
This analysis is AI-generated and does not constitute legal advice.