Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6217055
Complaint Overview
Complaint ID: 6217055
Company: National Credit Adjusters, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 787XX
Date Received: 2022-11-17T12:00:00-05:00
Date Sent to Company: 2022-11-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I assume that because my mailing address is different than my current address that may have been the issue, but I am not sure. I will include a copy of my ID with the address that matches the letter I submitted regarding the company NCA that is reporting incorrect information to the credit bureaus. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, NCA is reporting that I have a collection with them, and I have never been in communication with this company. They were notified twice to validate this debt that is reporting on my credit report, but they have failed to do. The first notice was sent XX/XX/22 and the last letter was sent on XX/XX/XXXX. I will include the letter as well as the time stamp. Please conduct a proper investigation and remove this account. Lastly, this collection agency is reporting a different balance than what I have with the original creditor. Please provide proof of your right to own/collect this alleged debt and balance claimed including all fees, interest and penalties. Provide me of the amount of which the debt was purchased, per the CFPB, I have this right as a consumer. Also include a contract bearing my personal signature. My email is XXXX.
Frequently Asked Questions
What is Complaint #6217055 about?
Complaint #6217055 was filed against National Credit Adjusters, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-11-17T12:00:00-05:00.
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 (Credit reporting, credit repair services, 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.