Consumer complaint received 2019-09-11
Company: National Credit Systems,Inc.
State: FL
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:
To XXXX I am writing this message in regards to a letter i received a few weeks back. I wish to have a description of the procedure used to codetermine that the information your sent to me was valid. Looking at a computer screen does not make it valid that is a violation of my rights as a consumer. You have violated several things within the FCRA, FACTA and you have violated the procedure to factually through the dispute process by allowing a computer to dictate if an account is verified that is fraudulent. You've made a serious mistake by placing an account that doesn't belong to me on my consumer report. I received an alert as to the account being fraudulent due to several breaches. I have mention this time and time again that i am unaware of the debt with National Credit Systems. Also i have inquiries that i didn't authorized or never gave any consent to credit bureaus nor creditors. It can not be factual evidence when i didn't give anyone authority to view or touch my credit file without my authorization. What procedure was taken to insure that this inquiry belongs to me? Did a computer verification pre determine that as well? Now this a major problem and violations and you could be sent to jail for this by law. I've asked for original documents of the contract, and the procedure used to verify the accounts listed. I never received any actual original documents there for you must remove this accounts immediately. I will not fall victim by being a fool to the credit bureaus. An account can't be verified by a computer. It is impossible. I want to see original actual contract documents with my wet signature with that i owe a debt. I have been harassed by your company and creditors for something i have no clue about. I will be filing a lawsuit upon your reply and actions you take this get this matter resolved. I am a consumer that is aware of my rights and i have the right to dispute any accounts that are not mine. I didn't give anyone and rights to to add any account or view my credit report without my consent. That is breaking the law and i want compensation of {$1000.00} for each error that is listed on my credit report. I've sent in several certified letters dating back to a year ago. I am now dealing with a lawyer that realized the errors and mistakes that you've caused to my consumer report. I am requesting a listing of the names, addresses and telephone numbers of the people they contacted at your bank. I am also aware of XXXX v. XXXX XXXX XXXX., No. XXXX ( XXXX. XX/XX/1995 ). request that you respond to my letter in 14 days max within the time period i will following up on my credit file to ensure this matter is resolved within that time frame. If i'm not contacted in 14 days i will contact the FTC and my state attorney generals office located at Office of Attorney General State of Florida The XXXX XXXX XXXX, FL XXXX. I will also file a petition in small claims court for items such as Defamation, Violation of the Fair Credit Reporting Act, and Negligent Enablement of Identity Fraud. I have copies of all the papers work I've sent in to be of certified mail, recordings over the phone for the past year on disputes. Emails and more. I am well equipped and ready for litigations beware that i am now turning this over to my lawyer. A letter will be sent from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. She will definitely be in touch with you.Internal dispute given only 3 business days to remove the fraudulent inaccuracies on the accounts and inquires listed here and above. 
XXXX : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6.  XXXX XXXX 7. XXXX XXXX XXXX : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX

Company response to consumer: Closed with explanation