Consumer complaint received 2021-12-22
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After multiple disputes and demands for validation of debt pertaining to entries placed on my consumer credit report by National Credit Systems, I finally had a small amount success as evidenced by the deletion of the entry inaccurate information from the XXXX consumer credit report, as reported XX/XX/2021. This would be the second time within 60 days that the company removed or closed the account which indicates there was a reinsertion since its initial closure on XX/XX/XXXX, XXXX as evidenced by previous reports. Unfortunately, after deleting the entry from XXXX XXXX, this company updated the inaccurate information as " disputed but verified as belonging to consumer '' on the XXXX consumer credit report XX/XX/2021. KNOWINGLY AND WILLINGLY causing harm and detriment to the consumer by deliberately tainting the report used to determine a consumer 's credit worthiness and reputation in commerce. I reached out to the company to discuss the continued violation of consumers rights following the clear admission of guilt of violations ; as evidenced by the deletion from the XXXX report. During the phone conversation I was met with extreme opposition and antagonizing antics. On the XXXX day of XXXX, 2021 at approximately XXXX, I called the number provided on the consumer credit report for National Credit Systems. An operator who introduced herself as XXXX, I provided this operator with my first and last name, account number of the disputed entry provided on the consumer credit report, and the last four digits of the social security number associated with said account, in order to verify my identity. The call was transferred and continued with a representative who upon answering introduced himself as XXXX XXXX XXXX. I provided XXXX XXXX with the same verifying information I provided to the operator, and XXXX XXXX responded by stating, We ( National Credit Systems ) dont have account number that start with the number ''4 ". I informed XXXX XXXX that this is how the account appears on the consumer credit report, and I have no further verifying information that I am able to provide because I do not, nor have I ever had, or given consent to, a contract with the Defendant. XXXX XXXX confirms that he is unable to locate the account with the information provided, and when I asked him to repeat and clarify that this company has placed an entry on the credit report and is unable to locate this account using the information provided on entry ; XXXX XXXX became unruly and irritable, and accused me for ranting and becoming belligerent for asking clarifying questions that I have a right to know. He continued to repeatedly tell me I needed to calm down or hed be unable to assist me, when in fact I had not given the indication of anger or any intention of upsetting XXXX XXXX. Due to the evident escalation of XXXX XXXX temper, I asked to speak to a supervisor ; to which XXXX XXXX responded by abruptly ending the call. I then called XXXX XXXX XXXX, a second time, at approximately XXXX, I verified my identity with the operator again, and was again connected to the unruly representative, XXXX XXXX. XXXX XXXX elaborated on the fact that he was unable to locate the account with the information provided directly from the entry on consumer credit report, referenced to as Account # XXXX. He advises me to take a screenshot of the consumer credit report entry and email the image to XXXX, and to put Account reporting to CBR. I then asked XXXX XXXX for the name of his supervisor, to which he responded with obvious irritability and unprofessional conduct by saying, XXXX XXXXXXXX, why do you need the supervisors name, why do you think you need that information?. I responded by informing XXXX XXXX that I am requesting the supervisors name because as the consumer, I have the right to know. XXXX XXXX provided me with the name XXXX XXXX, XXXX. I thanked XXXX XXXX, who continued to behave unruly with tireless attempts to incite anger and emotional responses from the consumer throughout both conversations. Following this call, the feeling of hopelessness intensified. I wondered how I could ever get my children and I into a place we could finally call home, if I would be subject to more profane and offensive communication with representatives of corporation, like XXXX XXXX, who knowingly assist corporations, such as National Credit System ; with causing massive distress and injury to the life and mental health of the consumer. To think that many people have literally given up on life, especially during the holidays due to being overwhelmed by the financial burdens of uncontrollable and often, inaccurate debt. An unwavering commitment to accuracy and fairness as it pertains to fair debt collection and fair credit reporting ; and full disclosure to ensure informed consent are imperative for preservation of the full faith and functionality of Commerce and should never be withheld or compromised at the hands of criminals masked as fictitious entities.

Company response to consumer: Closed with explanation