Consumer complaint received 2023-01-17
Company: National Credit Systems,Inc.
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXXXXXX WASHINGTON, DC XXXX XXXX XXXX XXXX REQUEST LETTER TO WHOM IT MAY CONCERN : Received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Not saying they are reporting right or wrong. Just saying that I am not XXXX percent sure rights to challenge anything, I am not sure is accurate. Some of the people reporting things on me, I have never heard of, made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? Heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted- if they are not XXXX percent correct. So, could you please check on these and get back with me? Saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not, correct them. 
Would like these accounts removed from my credit report immediately or will have to file lawsuit against the following companies etc. : XXXX, XXXX, XXXX, following companies who keeps violated me of my privacy. 

In accordance with Fair Credit Reporting, everything must be 100 % accurate on my credit report. 

The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation. 
15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 
Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX, GA XXXX XXXX Closed Account : XX/XX/XXXX of as XX/XX/XXXX, the agency reported that, I was late on my payments, and this was injustice evictions due to, I was never served by management company or courts. XXXX XXXX XXXX refuse to send over the XXXX and took payments from ( Maryland XXXX Assistance payments from other residents and but refuse to process my payments cause, I was an employer who they had sign ( 2 ) leases, I wasn't never served by the courts or property XXXX. I never knew when my court date was at all. XXXX XXXX XXXX, on XX/XX/XXXX, just reported without my consent that, I was late on my rental payments. 
Reporting : XX/XX/XXXX through XX/XX/XXXX delinquent payments and of as ( XXXX ) months of delinquent payments etc. XXXX, XXXX, XXXX has been reporting payments late in the amount of {$10000.00}. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 


Please Investigate if every piece of information is correct. If not, please remove it from my credit report. 
Results : Theses accounts are hurting my credit and with inaccurate information for my family where we can not purchase a car or home due to negatively reporting on my credit report. 
Attached is a copy of my report with the accounts in question circled. 


Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, Attorney General of Washington XXXX DC XXXX Consumer Financial Protection Bureau XXXX XXXX, Attorney for XXXX XXXX

Company response to consumer: Closed with explanation