Consumer complaint received 2024-08-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

1. I EXERCISE 16 CFR 313.7 Form of opt out notice. This company is in VIOLATION of 15 US CODE 1681e ( b ) - Compliance Procedures! THIS IS LITERALLY MY FINAL WARNING!! I HAVE MAILED YOUR COMPANY OVER 10 LETTERS AND YOU HAVE IGNORED EVERY SINGLE ONE WITHOUT COMPLETING A PROPER INVESTIGATION AND PROVIDING PROPER DOCUMENTATION OF PROOF OF ACCURACY. I HAVE NEVER GIVEN NATIONAL CREDIT SYSTEM WRITTEN AGREEMENT TO COLLECT ANY ALLEGED DEBT. THE INFORMATION YOU ARE REPORTING IS INACCURATE AND I HAVE TOLD YOU THIS MULTIPLE TIMES. IMMEDIATELY DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT!! I AM SO FRUSTRATED AND ALL I CAN DO IS CRY MYSELF TO SLEEP. I WILL BE SEEKING LEGAL ACTION. I WILL BE SEEKING ACTUAL DAMAGES FOR YOUR WILLFUL NONCOMPLIANCE - 15 USC 1681n! THE DATE OPENED IS INCORRECT AND 15 USC 1681e CLEARLY SAYS, ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

WITH THAT BEING SAID THIS IS MY LAST TIME DEMANDING YOU TO DELETE THIS ACCOUNT. I AM SEEKING LITIGATION SO THE NEXT FORM OF COMMUNICATION WILL NOT BE FROM ME BUT A LEGAL XXXX. THIS IS UNACCEPTABLE. IT IS A VIOLATION OF THE FCRA, FDCPA, AND XXXX XXXX COMPLIANCES. YOU ARE ALSO VIOLATING MY RIGHTS!! YOU HAVE FIVE DAYS TO DELETE THIS INACCURATE AND UNVERIFIED ACCOUNT!!! 


XXXX THE RETREAT AT XXXX APTS Account Number : XXXX I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY FROM MY CREDIT REPORT YOU NEVER PROVIDED ANY COPY OF VERIFIABLE PROOF THAT YOU HAVE ON FILE FOR THIS ACCOUNT YOU CAN NOT KEEP VIOLATING MY RIGHTS CC : Consumer Financial Protection Bureau XXXX : Attorney Generals Office CC : Better XXXX XXXX XXXX : State XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX XXXX State XXXX XXXX XXXX XXXX California XXXX agency Divison of consumer complaints Sincerely,