Consumer complaint received 2018-01-04
Company: National Credit Systems,Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear sir or madam, I have reached out to XXXX so many times i cant count, I need you as a company to thoroughly investigate these companies that are saying a debt is validated, Please note that this means i need a legal contract with my signature and also a lease and drivers license for an apartment that they are saying i leased when i have lived in XXXX XXXX for the past 6 years never XXXX Arizona, Please provide me with a lease, drivers license and signature on lease for these creditors as ( national credit systems ) {$13000.00} at XXXX XXXX who said that unit has been leased well over 5 years ago and also states they have no lease of me living there, which i know national credit systems does n't have proof of this debt as they asked me for documentation as i have included proof and ( XXXX XXXX XXXX ) the company that sold the debt is not in business and i 'm sure you do n't have documents saying this is my debt like a lease nor a signature or drivers license, yet you are stating i owe your company $ {$40000.00}, now i have done my research and Im a resident of the state of Louisiana and would like you to know the prescription law here is the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows XXXX XXXX XXXX- over 3 years old reporting as open even though its charged off. Not a business in Louisiana and also been over 3 years. 


I fully researched my rights and found that the fair credit reporting act does not allow you to victimize innocent credit worthy people by reporting erroneous false information, under the FCRA, the following applies to me : FCRA 623 ( a ) ( 7 ) negative information ( A ) Notice to consumer  Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency reporting credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( II ) Notice effective for subsequent submissions. After proving such notice, the Financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 

( B ) Time of notice ( I ) In general, the notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

( II ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in lending act. 

As I stated before, this is my final Request for you to do as you are governed by FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

I demand that you correct my account to show to paid as agreed-never late and remove the inaccurate data, or I will seek legal action and remedy, as I found out my right if you are victimize me by reporting false information about me to/on the credit bureau

Company response to consumer: Closed with explanation