Product: Debt collection

Re : Formal Complaint for Unfair Debt Collection Practices and Request for Investigation I am writing to file a formal complaint against [ National Credit Systems ] for unfair debt collection practices and inaccurate credit reporting. These actions have caused me significant mental and emotional distress, and I am requesting immediate investigation and resolution. This complaint references violations under several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) as follows : 1. 15 U.S.C. 1692g Validation of Debt I have not received adequate validation of the alleged debt. Under 15 U.S.C. 1692g, I am entitled to detailed validation to verify that this debt is accurate and legitimate. I formally request all documentation, including any signed contract or assignment contract, showing my responsibility for this alleged debt. 


2. 15 U.S.C. 1681s-2 Responsibility of Furnishers of Information to Consumer Reporting Agencies Under 15 U.S.C . 1681s-2 ( a ) ( 3 ), furnishers are required to provide accurate information to credit reporting agencies. I believe [ National Credit Systems ] has violated this by reporting incorrect information about this alleged debt, which is unverified and inaccurate.

3. 15 U.S.C. 1681i Reinvestigation of Disputed Information As per 15 U.S.C. 1681i, I have the right to dispute information reported on my credit file. I have already submitted a dispute to [ National Credit Systems ] yet I have not received a proper reinvestigation of this debt as required by law.

4. 15 U.S.C. 1681c-2 Blocking of Information Resulting from Identity Theft If this alleged debt results from identity theft or an unauthorized account, under 15 U.S.C. 1681c-2, I have the right to request a block of this information. This protection should remove the debt from my record if I was not involved in the debt origination.

5. 15 U.S.C. 1681b Permissible Purposes of Consumer Reports I request that [ National Credit Systems ] confirm it has permissible purpose under 15 U.S.C. 1681b to acces
s or report my credit information.

6. 15 U.S.C. 1681e ( b ) Accuracy of Report Credit reporting agencies are required to ensure maximum possible accuracy of any reported information. I believe [ National Credit Systems ] has failed in this responsibility by continuing to report inaccurate information, which does not reflect accurate debt information.

7. 15 U.S.C. 1637 ( a ) ( 2 ) Disclosure Requirements [ National Credit Systems ] has not provided any written disclosure of the terms of the alleged account as required by 15 U.S.C. 1637 ( a ) ( 2 ).

8. 18 U.S.C. 8 Obligations or Securities of the United States I request verification that this debt is an obligation legitimately tied to me, in accordance with federal laws surrounding fraudulent claims on debts. 



Emotional and Mental Impact The actions of [ National Credit Systems ] have caused significant mental and emotional distress. The persistence of inaccurate and unverified information on my credit report has led to extreme stress, humiliation, and embarrassment. This ordeal has disrupted my daily life and affected my mental well-being due to the ongoing financial uncertainty. It is not only traumatizing but also mentally exhausting to deal with these harassing practices.

Request for Resolution I formally request : 1. The immediate cessation of all collection act
ivity on this alleged debt until it has been validated with all documentation, including an assignment contract and any agreement allegedly signed by me.

2. The removal of any incorrect or unverifiable information from my credit report, as required under the FCRA.

3. An investigation into these alleged violations and appropriate actions taken against [ National Credit Systems ] for failing to meet federal compliance standards. 



Thank you for your attention to this matter. I trust that the CFPB will investigate these practices to ensure compliance with consumer protection laws. I am hopeful that these issues will be resolved fairly and promptly.