Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc. (GA)

Nature of Complaint : I am filing this complaint against National Credit Systems for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Despite my formal cease and desist request, National Credit Systems has continued to communicate the alleged debt associated with account number [ XXXX ] to consumer reporting agencies, which is in direct violation of the FDCPA. 

Details of the Dispute : Cease and Desist Request : On XX/XX/XXXX, I sent a cease and desist letter to National Credit Systems, explicitly instructing them to cease all communications with me regarding the alleged debt and to delete any reference to this debt from my consumer credit reports. According to the FDCPA, a " communication '' is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium, '' which includes consumer credit reports. 

Violation of FDCPA : National Credit Systems has continued to report this alleged debt to consumer reporting agencies despite my cease and desist request. This is a clear violation of the FDCPA. The case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), supports the interpretation that communications made by debt collectors to consumer reporting agencies are subject to the FDCPA 's restrictions. Additionally, in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ), the court recognized that a consumer report is a medium of communication, thus making it subject to the same restrictions as other forms of communication under the FDCPA. 

Harm to Credit Profile : The continued reporting of this debt by National Credit Systems has caused unnecessary harm to my credit profile and financial well-being. This action has negatively impacted my credit score and my ability to access credit. 

Requested Resolution : Deletion from Consumer Reports : Require National Credit Systems to immediately delete all references to this alleged debt from my consumer credit reports with all credit reporting agencies. 

Investigate : Conduct an investigation into National Credit Systems ' practices to ensure compliance with the FDCPA. 

Cease Reporting : Require National Credit Systems to immediately cease reporting this alleged debt to any consumer reporting agencies and to remove any previous reports they have made. 

Ensure Compliance : Ensure that National Credit Systems adheres to the FDCPA 's restrictions on communication, including communications made through consumer credit reports. 

Supporting Documents : I have attached a copy of my cease and desist letter to National Credit Systems, as well as any relevant correspondence and documentation. 

Conclusion : National Credit Systems ' continued reporting of this debt, despite my clear request to cease and desist, constitutes a violation of federal law. I seek the CFPB 's assistance in rectifying this situation and holding National Credit Systems accountable for their failure to comply with the FDCPA. 

Thank you for your attention to this matter.