Consumer complaint received 2024-08-14
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. (IN)

I am filing this complaint against National Credit Systems due to their inaccurate reporting of a debt on my credit report and their failure to properly address my dispute and cease and desist request. 

Details of the Complaint : Inaccurate Reporting : XXXX XXXX XXXX is reporting an account with the reference number [ Insert Reference Number ] to the credit reporting agencies under my name. This account is not accurate and has been mistakenly attributed to me. 
Dispute and Cease and Desist Request : On XX/XX/XXXX, I sent a formal dispute and cease and desist request to National Credit Systems. This request included a demand to cease all communication regarding the alleged debt and to delete the disputed information from my credit reports. 
The cease and desist request referenced case law, specifically Edeh v. Midland Credit Management , Inc., 748 F. Supp. 2d 1030 ( D. Minn. 2010 ), which recognizes that reporting a debt to credit reporting agencies constitutes a form of communication under the FDCPA. Therefore, the cease and desist naturally includes deletion from my credit reports. 
Lack of Response and Compliance : Despite my request, National Credit Systems has not provided any documentation to verify the validity of the debt. They also continue to report this disputed debt to the credit reporting agencies, which is a violation of my rights under both the FCRA and FDCPA. 
Impact on My Livelihood : The continued inaccurate reporting of this disputed debt has significantly damaged my credit score, leading to the following impacts : Loan Application Denials : I have been denied loans due to the negative information on my credit report, hindering my ability to secure financing for necessary personal and business expenses. 
Higher Interest Rates : My lowered credit score has resulted in higher interest rates on existing credit lines and any potential future loans, increasing my financial burden. 
Employment Opportunities : Certain employers conduct credit checks as part of their hiring process. The inaccurate reporting has jeopardized potential job opportunities, affecting my career growth and income potential. 
Emotional Distress : The XXXX and XXXX caused by the unfair and inaccurate reporting have taken a toll on my mental health and overall well-being. 
Desired Resolution : I request that the CFPB investigate this matter and take appropriate action against National Credit Systems for their failure to provide accurate information and for their violation of the FCRA and FDCPA. Specifically, I request : Deletion of the Disputed Debt : National Credit Systems must delete the inaccurate information from all consumer reporting agencies. 
Confirmation of Compliance : Written confirmation that my dispute and cease and desist request have been received, investigated, and that all inaccurate information has been removed.

Prevention of Further Violations : Ensure that National Credit Systems complies with all relevant laws and does not continue to report inaccurate information.