Consumer complaint received 2021-01-10
Company: National Credit Systems,Inc.
State: FL
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

Complaint:
I am writing this report in regards to a defiance, abuse of power, to disparage my name within the HUD, Section 8 rental agency since I am on the waiting list since XX/XX/XXXX. A creditor named National Credit Systems did not properly abide by the " Fair and Accurate Credit Reporting Act '', provided a " false '' reason on my XXXX XXXX credit report has to a " resolution '', but not a " removal '' as a resolution. The statement on my credit report says " obtained a resolution '', consumer denies the resolution. '' This is a fraud based credit reporting from National Credit System, as the original creditor is XXXX XXXX, from an address at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX, as I reported a change to the HUD, Section 8 office at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX in XX/XX/XXXX three months prior to a XX/XX/XXXX illegal eviction. The fraudulent amount of money is {$2900.00}. The account is within the collection agency department/agency/attorney, since I have a DOJ/FBI Case Number of XXXX, along with a now XXXX XXXX XXXX 's Office case number of XXXX as I have reported other " identity theft '', other " fraud '' issues since XX/XX/XXXX. Currently, the account of XXXX states a " loan '' amount of {$2.00}, XXXX with comments of " dispute resolved '', " consumer disagrees ''. This is because an improper, illegal investigation happened to where my Civil Rights were/are/have been violated under the Fair and Accurate Credit Reporting Act due to a situation that involves " politics '', and I am the " victim of the circumstances '', the " collateral damage '' from the fall out. This is where the DOJ XXXX comes in as I have continued to stand up for myself. As of now, I am on the Section 8 waiting list in XXXX XXXX, XXXX, Florida, the unincorporated area of XXXX XXXX, Florida. The most concerning is the " creditor classification '' " rental_or_leasing. These are disparaging remarks on my credit report to all three credit bureaus, defames my character, has violated my " Civil Rights '' from all aspects where I have not been verbally heard as to my resolution which is a removal due to a fraudulent attempts to obtain money that is not rightfully collected under the Fair and Accurate Credit Reporting Act. I have filed several XXXX XXXX XXXX XXXX police reports, have a XXXX XXXX that has approved several permanent case numbers coming from the FTC, this agency CFPB. I am seeking to press formal charges against the National Credit System for " abuse of power '', illegally denying my civil rights to be heard that deems this " negative '' credit report as " potentially negative ''. The charges will stem from 1 ) an ongoing Civil Rights violations, 2 ) to the fraudulent attempts to collect the 2, XXXX over a year time frame from an illegal eviction after " reporting a change '' to the HUD, Section 8 office with regards to a " change in rent " request that was completely over looked as " abuse of power '', 3 ) that under the Sixth Amendment it seems that it is one -sided that I am not entitled to legal representation when in fact I am under the Sixth Amendment, so I am seeking " enforcement '' of a consumer rights to have acknowledged an appropriate resolution since this agency fraudulently reports to all three credit bureaus because of the attorney on file. Lastly, I am seeking compliance of the removal of the fraudulent " loan '' collection, the removal of the " dispute resolved '' from the collection agency, but not on my behalf, also as " consumer disputes after resolution '' comes from a one sided frame of mind, instead of all parties, such as myself, seeking a complete removal from the fraudulent attempts to collect monies that are not rightfully justified since I " reported a change '' to the Section 8, HUD Office in XX/XX/XXXX. I will be seeking punitive damages of 2, XXXX as restitution times the two years that I was continually harassed by this collection agency after the illegal eviction, the defamatory remarks on XXXX XXXX acknowledged as " creditor classification '' of " rental or leasing '' to which I have a goal to go back to work in XXXX, Florida and live at a apartment complex where I can walk to work. Finally, my overall reasons for this complaint with your agency is 1 ) I am not liable for this collection due to " abuse of power '' from the local sheriff office even after I continually disputed this debt collection for the last two years as if I caused the situation, but the situation was already underlying, so I am not liable for the collection, and 2 ) this collection is fraudulent due to the illegal eviction that had me homeless for two years until I was randomly picked again to be on the HOME Voucher Section 8 waiting list. This is also an attempt to refrain from being homeless again, by filing this complaint for the removal of the illegal reasons, classifications, and to live and work conveniently. I can be reached at XXXX, email at : XXXX, and address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX. I have already filed a dispute with XXXX XXXX, the confirmation number for the XXXX is XXXX, and all police case numbers are ongoing reporting.

Company response to consumer: Closed with explanation