Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc. (MO)

This is in regards to an account with National Credit Systems account # XXXX. 
I sent them a letter certified letting them know that this debt was incorrect and should not be reported on my credit report. I also stated to them that the alleged debt that they claim I owe has already been paid. I also sent in proof that the account is in litigation, due to it already being paid. It should not be reported on my credit report if they are currently being sued. Yet this account is still on my credit report. I know my rights as a consumer. I know that they have to provide proof of dispute. I also know that they are not allowed to report a debt if the original account is in litigation. It needs to be removed from my credit report immediately or they will be the next ones getting sued. The tracking number for the certified letter is XXXX. National Credit systems received the letter certified XX/XX/XXXX. The account is in litigation and court is XX/XX/XXXX. What it looks like they are trying to do is wait until after the court date to see what the results will be before taking any action and as a consumer that is a violation of my rights. THIS ACCOUNT NEEDS TO BE TAKEN OFF MY CREDIT REPORT IMMEDIATELY OR NATIONAL CREDIT SYSTEMS WILL BE THE NEXT ONES IN LITIGATION. Also Proof attached of everything will be attached. I feel like I have to get very aggressive with National Credit Systems. So let 's start with the first violation. According to 15 U.S.C.1681a- ( 1 ) a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This is a clear violation of my consumer rights because the information is inaccurate and yet still being reported because National Credit systems wants to take their sweet time lollygagging instead of deleting the account. Also 15 U.S.C. 1681 section 604 A section 2 states I have a right to privacy. If the original account is in litigation, I have the right for that alleged debt to only be handled by the original owner of the debt and not a 3rd party debt collector. You will 3 attachments. The first one is from The Attorney General stating that a check was issued payable to XXXX XXXX XXXX XXXX XXXX XXXX The 2nd and 3rd is the proof that they are in litigation and because they are being sued it can not be reported on my credit report. THAT IS THE BIGGEST VIOLATION. Yet they are still on my credit report after receiving the proof. This account MUST BE DELETED ASAP or it will interfere with the court preceding 's on XX/XX/XXXX and I will have no choice but to include National Credit Systems into this litigation. 

DELETE NOW AND {$1000.00} PER VIOLATION. According to 15 U.S.C.1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure damages of not less than {$100.00} and not more than {$1000.00}. I want {$1000.00} per violation. Do I need to actually go through every violation or can they just delete and pay me for the clear violations.