Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (GA)

Subject : Formal Complaint and Request for Action Regarding Unauthorized Disclosure and Forged Documents I am writing to formally address a matter of significant concern regarding the unauthorized disclosure of my personal information and the submission of forged documents to the Consumer Financial Protection Bureau ( CFPB ). This correspondence serves as a follow-up to my initial communication on XXXX XXXX, 2024, regarding the disclosure of my personal information reported on my credit report by National Credit Systems , Inc. ( See Attachment : Original Letter NATCREDS XXXX ). 
Despite my request, I received no response from your company. Consequently, I filed a complaint with the CFPB on XXXX XXXX, 2024, asserting a violation of 15 U.S. Code 6802, which governs the obligations of financial institutions concerning the disclosure of nonpublic personal information. On XX/XX/year>2024, National Credit Systems , Inc. responded to the CFPB with a lease agreement purportedly bearing a signature, which is not mine and is evidently forged. I have included the forged lease agreement for your reference ( See Attachment : XXXX XXXX XXXX ). Highlighted in yellow are all signatures that were forged, as well as the incorrect name typed on page 4 of the Lease Agreement.

The name printed on my drivers license is XXXX XXXX XXXX, while the name on the lease agreement is XXXX XXXX XXXX XXXX. I do not have two middle names, and the inclusion of a second middle name is a clear indication of falsification. A copy of my drivers license is attached for verification purposes ( See Attachment : XXXX XXXX XXXX ). Additionally, the signature page on page 3 of the Property Damage Liability Waiver is left blank, lacking evidence of my signature or printed name.

We are also writing to confirm that National Credit Systems is committed to maintaining the accuracy and integrity of the credit information we report to the credit reporting agencies ( CRAs ) in compliance with XXXX XXXX guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ). 
As part fair credit reporting, National Credit Systems did not adhere to the following practices : 1. Accurate Data Reporting : We ensure that the credit information we report is accurate, complete, and up-to-date. This includes personal information, account status, payment history, and any relevant public records.

2. Adherence to XXXX XXXX Guidelines : We follow the detailed specifications of the XXXX XXXX Format to ensure that our data is formatted consistently and accurately. 
3. Regular Updates : We update credit information on a monthly basis to reflect the most current status of your accounts.

4. Error Resolution : We have established processes to address disputes or errors reported by consumers efficiently and promptly. We investigate claims thoroughly and make necessary corrections in a timely manner.

5. Compliance with Regulations : We adhere to all relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ), governing the reporting and handling of consumer credit information.

6. Ongoing Training and Monitoring : Our staff undergoes regular training to stay updated on XXXX XXXX compliance requirements, and we continually monitor our processes to ensure ongoing compliance. 
In light of these discrepancies and the forgery of my signature, I assert that National Credit Systems , Inc. is in violation of the following federal laws : 1. 15 U.S. Code 6802- Governing the obligations of financial institutions with respect to the disclosure of nonpublic personal information.

2. 15 U.S.C. 1681 Section 602 ( A ) - Establishing my right to privacy.

3. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) - Stating that a consumer reporting agency can not furnish an account without my written instructions.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) - Prohibiting the furnishing of information to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

5. 18 U.S.C.A Aggravated identify theft.

Given the severity of these violations, I demand the following actions be taken immediately : 1. Immediate Cessation of Reporting : Stop reporting the inaccurate and unauthorized information to any and all credit reporting agencies.

2. Full Investigation and Rectification : Conduct a thorough investigation into the source of the forged lease agreement and correct any inaccuracies in my credit report.

3. Written Confirmation : Provide written confirmation that the unauthorized disclosure has ceased and that corrective actions have been taken.

Failure to address these issues promptly will compel me to pursue further legal action to protect my rights under federal law. I expect a response to this letter within 15 business days from the date of this letter.

Thank you for your prompt attention to this serious matter.

Sincerely, XXXX XXXX XXXX Attachments : XXXX. Original Letter NATCREDS XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX