Consumer complaint received 2023-05-24
Company: National Credit Systems,Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear national credit systems. 
Dear XXXX XXXX XXXX 

Despite several attempts made by me the consumer XXXX XXXX, there has been no response from you. 

In the interest of accuracy, Both me consumer, XXXX XXXX and consumer XXXX XXXX, are sending you a joint request to satisfy our federally protected rights under the U.S CODE - laws listed below. 
I XXXX XXXX, consumer and natural person, am aware of all rights that I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ), the collection agency listed -National Credit Systems and XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under, 15 U.S.CODE 1681 section 602 ( a ) states I have a right to privacy. 
15 U.S.CODE 1692 ( C ) ( a ) communication in connection to debt collection 15 U.S.CODE 1692 ( b ) acquisition of location of information 15 U.S.CODE 1692 ( d ) harassment and abuse. ( national credit systems has called and left 4 voicemails, one of which was yesterday from your attorney- looking for me XXXX XXXX ) 15 u.s.CODE 1681 c ( 2 ) information resulting from identity theft. ( under federal law both XXXX XXXX XXXX XXXX  and national credit systems, have committed an identity theft by sharing information with third parties. 


I XXXX XXXX, ,consumer and natural person, am aware of all rights that I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ), the collection agency listed -National Credit Systems and XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under, 15 U.S.CODE 1681 section 602 ( a ) states I have a right to privacy.

15 U.S.CODE 1692 ( C ) ( a ) communication in connection to debt collection 15 U.S.CODE 1692 ( b ) acquisition of location of information 15 U.S.CODE 1692 ( d ) harassment and abuse. ( national credit systems has called and left 4 voicemails, one of which was yesterday from your attorney- looking for me XXXX XXXX ) 15 u.s.CODE 1681 c ( 2 ) information resulting from identity theft. ( under federal law both XXXX XXXX XXXX XXXX  and national credit systems, have committed an identity theft by sharing information with third parties. 

Please be advised you have a maximum of15 days to remedy these violations or, both companies will be in default. 
Unless you both want to be responsible for each violation from each consumer, at {$1000.00} per violation per consumer and the actual damages caused by you both. ( actual damages are in the thousands due to the fact that both consumers have been denied credit and high interest rates were applied on accounts that were approved. ) We have attempted to cause you to do the right thing on several occasions but you keep breaking the law.

Please be also advised that you will be liable for 15U.S.CODE 1681 n - civil liability for willful noncompliance.and 15U.S.CODE 1681 o - civil liability for negligent noncompliance, unless you delete the collection account on both XXXX XXXX and XXXX XXXX XXXX credit report within 15 days or you will receive the '' AFFIDAVIT OF TRUTH LETTER '' with all the bill of particulars which will end up in ARBITRATION if you do not remedy what was requested in this letter. 

Sincerely, XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation