Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
Name : XXXX XXXX XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXXXXXX XXXX : Dear Credit Reporting Agencies : XXXX : XXXX XXXX XXXX XXXX, GA XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX or XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX XXXX XXXX XXXX XXXX CA XXXX Issue : incorrect information ; information reported inaccurately, and given out without written consent, in addition to disclosing my information to a third-party affiliate without my consent violating the terms and conditions of said institutions below. Subject : Fair Credit Reporting Act, 607 15 USC 168le ( b ). Account and information therein on NATIONAL CREDIT SYSTEMS is incorrect, attempting to be misleading. I believe this is the common attempt to bank on the consumer not knowing the rights they are entitled and the procedures at play in the private sector regarding entities like this, who purchased this debt for less to nothing in a attempt to profit off ignorance of rights. With no original contract ever made with whom debt they buy, To process frivolous claims in the court. Charge offs are under the definition of a Certificate of Indebtedness therefore falls under the listing as income thus any income, must be removed immediately as it is most certainly a violation per the Privacy Act of 1973, also I have no records of this creditor, this is inaccurate information, and very deceiving, based on how this was written off on the books, this should be looked into further if this was purchased from the Original Creditor. I am exercising my right under the Fair Credit Reporting Act, 607 15 U.S.C. 168le ( b ), Compliance Procedures As per Section 607, Accuracy of Report, As a consumer XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX  XXXX XXXX and XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX and XXXX ) the financial institution ( XXXX ) and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX XXXX XXXXXXXX XXXX and XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information about whom the report relates, backed by 15 USC 1681 section 602 a states. There is a need to ensure that consumer reporting agencies ( XXXX, XXXX XXXX XXXX ) must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I have also included a copy of my credit report with the inaccurate Information I am requesting to have removed, please update my file promptly. There shall be No other address ( 9 violations listed, 9 Non-mailable addresses ), name ( s ), or unrelated number ( 11 Violations Listed ), the only and correct reporting name, Only mailable address, sole address and only phone number is : Exhibit XXXX  : XXXX XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Nevada XXXX Code- XXXX, Currently listed phone numbers any other non-mailable ( XXXX Listed Non-Mailable ) addresses, names and ( 11 Listed contact numbers of no relation ) these contact numbers are fraudulent and subject to violations per federal FCRA & The FTC hereunder 5 USC 522 ( a ) including 17 CFR 424, No authorization of any and all promotional inquiries, revokes access to viewing my information without my consent. As it comes to my understanding my information compromised or in other words was given to a third party affiliate Company XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX ) which violates 15 USC 6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information As it shows below are accounts with numerous and various falsely reports of incorrect/unverified information.

Company response to consumer: Closed with explanation