Consumer complaint received 2020-08-24
Company: National Credit Systems,Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
National Credit Systems inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by National Credit Systems. The credit bureaus asserted that NCS had verified the debt. 

In my request to NCS, I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. NCS provided a response dated XX/XX/2020, for which I am just receiving, ( see attached ) and stated they did not have sufficient information to validate my claims. My letter was very specific. The mere fact that National Credit did not provide documentation that bore my signature, but only an arbitrary document reflecting arbitrary numbers is not sufficient. They failed to provide copies of any correspondence that should have been sent to me -- -which further justifies my position in them violating my consumer rights. This is a stall letter tactic National Credit Systems provided. 

My dispute was very specific. I challenged aspects of the FCRA and FDCPA. I sought validation and not verification. Additionally, the law provides that when I first disputed this entry with the credit bureaus and the bureaus made contact with them, the account was technically supposed to be updated to disputed at that time and not when I followed up to direct dispute with them. This is a very misleading practice and a violation of my consumer rights. 

They did not provide any documents that reflected a complete accounting of the alleged debt. National Credit Systems inserted this  unverifiable, inaccurate entry on my report without providing me opportunity to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. National Credit Systems must immediately delete this erroneous entry from all of my credit reports. 

If they indeed are alleging that I owe them, why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity and thus places and proves the doubt I have on the validity of this debt. 
Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.

Company response to consumer: Closed with explanation