National Credit Audit Corporation or NCAC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is National Credit Audit Corporation?
National Credit Audit Corporation LLC or NCAC is a third-party debt collection agency based in Texas. NCAC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as using false or misleading information in an effort to collect debts and attempting to collect debts not owed. If NCAC has contacted you about delinquent financial obligations, make sure you understand your rights before you take action.
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Is National Credit Audit Corporation a scam?
They’re legit. According to the Better Business Bureau (BBB), National Credit Audit Corporation, LLC was founded in 1998. The BBB established a profile page for NCAC in 2004. The BBB lists NCAC as a collection agency, employment background checking service, and tenant screening service that uses the alternate business names, Resident Data, Resident Data Financial, LLC, and ChoicePoint, Inc.
NCAC hosts a publicly accessible website at www.reisdentdata.com. However, that website is not currently in operation and displays an error message indicating that the site is temporarily unavailable. The LinkedIn professional networking site hosts a basic information page for Resident Data, LLC, but it does not include any detailed information about this business, and there are no additional website links.
Who does National Credit Audit Corporation collect for?
The New York City Business Database website at www.nycbizdatabase.com indicates that NCAC is a “registered business operating as a debt collection agency in Dallas, TX,” with license number 1461495-DCA; however, this license was set to expire on January 31, 2019. According to Bloomberg, Resident Data is located in Richardson, TX and “provides tenant screening services for the multi-family industry,” including “services that enable apartment owners and managers to obtain background information regarding applicants to assist in leasing decisions. Resident Data also provides debt collection services.”
The Consumer Financial Protection Bureau (CFPB) categorizes complaints for National Credit Audit Corporation and Resident Data under First Advantage, Inc. A basic internet search for NCAC, Resident Data, and ChoicePoint reveals a website for First Advantage at www.resident.fadv.com. According to this website, First Advantage is “committed to providing effortless, global background check services with the right technology and support for your success.” First Advantage also provides additional services, including third-party debt collection, identify fraud detection, eviction and skip tracing, and forms management.
In 2005, NCAC’s affiliate ChoicePoint was found to have been engaging in the sale of “personal information to criminals engaged in identity theft,” which led to the passage of federal laws regulating data brokers and other businesses responsible for handling the sensitive personal and financial information of consumers. NCAC’s website is not currently operating and therefore cannot provide any additional information about NCAC’s regulatory compliance policies.
How many Complaints are there against National Credit Audit Corporation?
As of January 2020, the BBB has given National Credit Audit Corporation a rating of F, citing the volume of complaints received against this business, and NCAC’s failure to respond to most of them. The BBB has closed 43 complaints against National Credit Audit Corporation in the preceding three years, with 10 complaints closed in the previous 12 months. Most of those complaints cite problems with billing and collections, although 13 complaints also cite problems with customer service. As of November 2018, the Consumer Financial Protection Bureau (CFPB) has closed 42 complaints involving NCAC, all of them attributed to First Advantage LNS, Inc. Justia lists at least 4 cases of civil litigation involving NCAC.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
Can National Credit Audit Corporation Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely NCAC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Can you help me file a No Fee Lawsuit against National Credit Audit Corporation?
Complaints against National Credit Audit Corporation cite problems resulting from disputes about the validity of debts, the accuracy of information reported to credit reporting agencies, and allegations of rude and abusive collection staff. In August 2019, a complainant stated that NCAC had “attempted to collect a debt that was unwarranted.” According to the complainant, he had “received a letter…from NCAC… stating that they offered him ‘a variety of payment options and discounts’ to pay off a debt of $775.00. The claim was from an apartment management company” at which he and his wife had lived for 2 years. He stated that “upon moving out … they had followed the protocol for turning in… keys and provided a return address. Approximately 1 month later they received the remainder of their security deposit in the amount of $250.00… with no detailed list of what the remainder of their security deposit had been spent on.” The collection letter from NCAC arrived 6 months later and was not preceded by any correspondence from the apartment manager that they owed any outstanding amount. The complainant stated that as a result of the misunderstanding, he was unable “to sign a lease at his new residence until the new property manager received confirmation from his former residence…that they did not have an outstanding balance, effectively stating that he could not move into a new place while he still owed another property group money.” The complainant contacted his former property manager but was informed that they do not hold onto resident accounts after the resident has vacated the apartment. He ultimately filed the complaint because he “felt like he was not being told the pertinent information… and did not feel like NCAC was reputable enough to provide…sensitive information through their website.”
In December 2019, a complainant stated that there had been no communication regarding an alleged debt National Credit Audit Corporation was attempting to collect. According to the complainant, when he called NCAC regarding a collection item that had been reported to the credit reporting agencies, “the agent was very rude and unhelpful, demanding that he pay in full.” He said he had “requested numerous times that NCAC send him documentation proving he is… in fact responsible” for the debt. He “explained to the agent (who did not even introduce herself) that he was currently trying to enlist in the Air Force and needed this error to be rectified,” so he could move forward. Allegedly, “the agent stated that if he paid the $900, she could have it removed.” The complainant “explained that he … didn’t have that amount to just pay out and… would like to see how he is… responsible for the alleged debt.” In response, the “agent got very defensive and told him to ‘examine his faults.’” He said he was not sure what that meant and “asked to speak to someone else.” The agent refused and told him that he “wouldn’t get to do that” because she was handling it. He said he then got upset because the debt was affecting his future. He “tried to dispute this numerous times and also contacted the original creditor” and filed the complaint because the agent was rude and unhelpful.
National Credit Audit Corporation Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue NCAC for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
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“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
Can You Help Me Delete National Credit Audit Corporation from My Credit Report?
We ought to be able to assist. Give us a call and tell us what is happening.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.