Consumer complaint received 2022-08-01
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom this may concern, I've reached out to National Credit Systems " debt collector '' on several occasions. When I first received the letter in the mail XX/XX/XXXX I immediately called the same day on XX/XX/XXXX and spoke with XXXX XXXX XXXX I advised her that my grandfather had just passed away and I would need a little time to lay him to rest and I also advised her I will send over the dismissal letter from the courts showing the case was dismissed. She advised to either email or mail a copy of the litigation from my lawyer showing the case was closed by the courts to XXXX XXXX XXXX XXXX, GA XXXX with my account # XXXX to Client Services. I then received another letter dated XX/XX/XXXX in the mail after speaking with XXXX XXXX advising that " I have not made a suitable arrangement to resolve the above referenced debt and to please be advised we will soon report this account to one or more consumer reporting agencies " credit bureaus ''. Once accepted by a credit bureau, adverse info contained in their credit reports can make it difficult to obtain credit, rent, and/or secure favorable interest rate, You may avoid adverse credit reporting entirely if we can work out a suitable arrangement '' after I had just spoken with her on XX/XX/XXXX in regards to this matter and she agreed to take some time since my grandfather had just passed away on XXXX XXXX. I then called immediately again after seeing the letter on and I advised that I had just spoken to you in regards to my situation. She then advised I would need to have my lawyer mail & fax the dismissal letter from the XXXX XXXX XXXX if not my case will be reported to all XXXX credit bureau 's. I then reached out to the Client Services dept on XX/XX/XXXX and was told that I can email a statement and a copy of my litigation to XXXX in which I emailed 3 times on the same date attached with the dismissal letter. I then called the next day and spoke with XXXX XXXX to see if the email was received & I was told that they never received the email and was told that I would have to mail the documents in. On XX/XX/XXXX I called and spoke with the manager XXXX XXXX XXXX at XXXX XXXX & b he advise that after 58 days the account is forwarded over to the manager and sent over to the credit bureau 's. I stated to the manager that I have called & spoke with XXXX XXXX regards to the passing of my grandfather and she advised to allow me some time to burry my grandfather & to grieve. I also advised to the manager that the case was closed on XX/XX/XXXX and this should have never been reported to the credit bureau 's because your company can get in big trouble. He advised if the case was closed he does not want to get sued or in trouble and that the lawyer still needs to reach out and provide him the dismissal letter from the courts. I cant provide that information to them. I then reached out to the XXXX XXXX XXXX XXXX where the case was dismissed and I was advised that National Credit Systems is not supposed to report to the credit bureau 's since the case was dismissed in court and to reach out to all XXXX bureau 's and provide a copy of the dismissal showing the case was dismissed and closed by the judge. I sent out several letters attached showing proof with the dismissal letter from the court to XXXX, XXXX XXXX XXXX in regards to National Credit Systems illegal reporting & needing to be removed since the case was closed by the courts from the time it was reported to the all 3 bureau 's up until now and before the 30 days approach I receive feedback every time stating the account is accurate & will stay on my report. I did show XXXX deleted National Credit Systems on XXXX XXXX but National Credit Systems reported it back to XXXX on XX/XX/XXXX and now its back on my report. I also do show they update the credit bureau 's every 2 weeks incorrect information when its hurting my credit and needs to be removed. I have attached the dismissal letter from the court showing proof that the case was closed. Please have all 3 bureaus remove the false information from my report. I really thank you so much for the help

Company response to consumer: Closed with explanation