Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

I am writing to formally dispute the inaccurate reporting of an account currently in litigation in the Magistrate Court of XXXX XXXX, XXXX of XXXX. This dispute concerns an account handled by National Credit Systems. The reporting of this account is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX compliance standards for accurate credit reporting. 
1. Request for Debt Validation ( 15 U.S.C. 1692g ) : Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I formally request that XXXX and National Credit Systems provide full debt validation. This includes : Full payment history showing the original amount, payments made, and current balance ; The original contract or agreement that I allegedly signed ; Any insurance claims filed in relation to this account ; A complete chain of title to prove ownership and the transfer of this debt to National Credit Systems. 
Without providing this information, continued reporting is a violation of my consumer rights. I request that National Credit Systems cease reporting this debt on my credit file until proper validation is provided.

2. Violation of 15 U.S.C. 1681e ( b ) Failure to Assure Maximum Accuracy : Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The current reporting of this account is inaccurate, as it is in litigation, and the company failed to certify the judgment in a timely manner to the Magistrate Court of XXXX XXXX. 
XXXX XXXX compliance guidelines also require XXXX data furnishers to report accurate information, particularly when an account is in dispute or litigation. The failure to properly flag or code this account in compliance with XXXX XXXX standards results in inaccurate reporting. This account should be immediately removed or corrected to reflect the dispute and litigation status.

3. Violation of 15 U.S.C. 1692c Cease Communications and Reporting : Under 15 U.S.C. 1692c of the FDCPA, I invoke my right to request that National Credit Systems cease all communications and reporting related to this disputed debt. I dispute the validity of the debt and request that all communications cease until proper validation and documentation are provided.

4. Violation of 15 U.S.C. 1681c-1 ( b ) FCRA Section 605B : Under 15 U.S.C. 1681c-1 ( b ), it is illegal to report any information related to identity theft or fraud on my credit report without my explicit permission. No such permission has been granted. Additionally, National Credit Systems has failed to provide the required debt validation, insurance claims information, and chain of title to confirm the legitimacy of this debt. Therefore, any continued reporting of this account violates my rights under FCRA Section 605B. 
XXXX. XXXX XXXX Compliance Violations : According to XXXX XXXX compliance standards, credit furnishers are required to accurately report accounts that are in dispute or litigation. The failure to apply the correct status codes, such as the " XXXX '' code for disputes, is a violation of these standards. I request that this account be immediately corrected or removed from my credit report in accordance with XXXX XXXX guidelines and FCRA.