National Credit Audit Corporation Sued for Debt Collection Harassment


On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Northern District of Illinois. The case, against National Credit Audit Corporation, charges the debt collection agency with violating state and federal law and asks for $1,000 in statutory damages under the Fair Debt Collection Practices Act, allowable damages under the Illinois Collection Agency Act, plus other relief.

Debt collector threats can be frightening. Most people don’t know what actions a debt collection agency typically will or will not take. Folks don’t have the knowledge to adequately evaluate the legitimacy of a threat. Our client says that National Credit Audit Corporation started calling him in an attempt to collect a debt. During one of the calls, our client says that the National Credit Audit Corporation debt collector told him that, unless he paid his debt, he would be unable to rent another apartment and would be homeless. That sounds absolutely terrifying.

This lawsuit charges that National Credit Audit Corporation violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by using false, deceptive, or misleading representation in connection with the collection of a debt; and by using unfair and unconscionable means to collect a debt. The lawsuit also charges that National Credit Audit Corporation violated the Illinois Collection Agency Act by engaging in dishonorable, unethical, or unprofessional conduct of a character likely to deceive, defraud, or harm the public.

  • Chris

    I’m Having the same issue, they won’t remove an item they put on my credit report either and when I asked to make arrangements to pay she rudely told me that it wouldn’t help my credit either way. The worst company..extremely rude and very unprofessional

  • Bhargava

    i .am one the person suffering from them. SANDRA VILLALOBOS NCAC harrassing me to pay 620$ which was not required , they are threatning me.

  • Juanita M

    they threaten me and put this on my credit with no proof i owe anything….

  • Let’sfightthis

    I fought with them and credit Uriah’s and finally made my case and credit bureau took them off my report. I just got an alert for my credit and these people ave now put this account back on my credit reports. They also have been doing something wishing I believe is deceptive and must be illegal; they are pouting numbers in front of and/ or in back of the creditor name and it looks like different accounts on file and to anyone looking.. probably is a way to get by the bureau also.
    No verification required to ruin someone’s credit??if someone who works with a business “says” you owe, the bureau says you’re guilty?? Something has to change!
    I say ncac owes me money for every hour it takes me to fight their BS and defamation of character? We need to fight back but so many are afraid..

  • glenn A

    This account was created through illegally collected data and the IQ Data Management has been harassing me and using non conforming tactics. I requested information from IQ Data and instead of sending me the information after I agreed to give them my address they sent me to collections and reported on my credit reports and refuse to speak to me about charges that were fraudulent. They refuse to show me proof of said damages and are extremely rude,

  • Morgan W

    I am currently fighting a collection they placed on my credit report. They refuse to show me proof of said damages and are extremely rude and harrassing.

  • Jane

    I do not owe money and this is making it hard for me to find a place. My lease is up in June. The rent was raised and need to find another place but the negative on my score is preventing this.

  • Jessica Ambriz Galvan

    Hello, I just had the same issue. I was about to give my card info for payment but something told me to stop. I asked kindly for a callback number but now I feel I may be getting scammed. They even harrased me at work and I asked them to stop but I don’t know if they will. They also threatened to take me to court.

  • Laura

    Is this a class action suit? They were very rude and threatening to me as well

  • Megan

    They refuse to take off a charge that isn’t mine off my credit report ! I’ve reached out multiple times


    i had a bad experience with them too, they were very rued and would help me out with clearing my account, i have been paying them $100 for the last 3 years and the times that i have called them which has been maybe twice in the last 3 years the person that answers the phone is very rued.

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