Consumer complaint received 2020-03-02
Company: National Credit Systems,Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with National Credit Systems for {$4200.00} placed on my credit in XX/XX/XXXX, I was unable to pay them within a specific time-frame, so they sent my account to XXXX XXXX XXXX for further collection. I contacted the Attorney 's office in early XXXX XXXX. On my first call to the office I made payment arrangements of {$100.00} to start getting the account settled. I paid {$100.00} every week beginning XX/XX/XXXX. After 4 weeks of payments the balance had went down by {$400.00} but the amount wasn't reported to the credit bureaus. 

Subsequently I filed a complaint with XXXX  and the balance was updated to reflect that I owed {$3800.00}. Another 3 weeks had passed and I paid another {$300.00} but noticed as I was looking at my XXXX  report that the balance they were collecting on had been included in my Bankruptcy, therefore I disputed the account with XXXX  on XX/XX/XXXX. While the account was under dispute I ended up resolving the issue with the Attorney and paid in full the settled upon amount. The Attorney 's office sent the settlement notification to National Credit Systems and sent me a letter as well indicating the account was settled. 

As this matter was being resolved I was keeping a track of my credit through XXXX XXXX. 
During this time I had received a 28pt. increase because I had paid my credit cards down. As a result, my score went up to XXXX with XXXX. On XX/XX/XXXX I had begun calling the credit bureaus to see if my name had been reported for rental history, I was checking because I am currently trying to move and the negative reporting has caused some issues. The rep at XXXX  stated I was not on their report which was fine. I then called XXXX  and learned I was on their report and got the information I needed to send to them to show the account with National Credit Systems had been settled. 

However, while literally on the phone with XXXX  I get an alert an my phone from XXXX XXXX advising " Good News You Balance has decreased on one of your accounts ''. I checked the alert and it showed that my account balance with National Credit Systems had decreased by {$200.00} ( probably a result of the dispute I filed about the balance ) BUT here is the problem when they updated my account to reflect this good deed of paying my account down my fico score DROPPED 31 POINTS DOWN from XXXX TO XXXX. 

In utter shock I try to call XXXX  and spoke to a rep who advised that 4 inquires had been completed on my account today but he couldn't tell me anything and I was already disputing my account. I explained several times the dispute n question was done days ago and had nothing to do with the update to my report today. He refused to look at it. I asked for a freeze to be put on my account and he said my account is already being disputed. 

In a panic I pulled my free credit reports and XXXX  nor XXXX  show any inquiries being completed on my reports today and when I tried to get my XXXX  it stated my report was being disputed and I couldn't get it. 

All I want is the National Credit Systems account to be completely expunged from my credit like the Attorney told would be done once the account was settled, my 31 points put back on my score, and to be removed from the Rent Bureau with Experian ( I have the letter from the Attorney showing the account has been settled and I owe no money ) I worked my XXXX off to pay my credits and get my score up so I can rent a house for my family and in one click of a button someone has ruined that for me and my family. 

I just want be able to rent a home for my family and not have to explain this situation over and over when I settled the account.

Company response to consumer: Closed with explanation