Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
1. Legal Letter ( To Credit Bureaus ) XXXX XXXX XXXX To : XXXX  XXXX XXXX XXXX Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. 

Fraudulent accounts : 1. National Credit Systems , Inc. ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX XXXX reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. 
These accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

I have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided. 

Enclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. 
Failure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.

I declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. 
Sincerely, XXXX XXXX XXXX To : XXXX  Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. 

Fraudulent accounts : 1. National Credit Systems , Inc. ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. 
These accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

I have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided. 
Enclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. 
Failure to comply within the statutory period will subject you to potential liability under 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees.

I declare under penalty of perjury that the statements contained herein are true and correct to the best of my knowledge and belief. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX  XXXX Subject : Identity Theft Dispute Demand for Removal of Fraudulent Accounts Dear Sir or Madam, I, XXXX XXXX XXXX, am writing to formally dispute and demand the removal of fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a documented victim of identity theft and have never applied for, authorized, or entered into the lease agreements or related obligations for the accounts listed below. 

Fraudulent accounts : 1. National Credit Systems , Inc. ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I have never applied for, signed, or entered into a lease agreement with this property. XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXXXXXX XXXX ; reported balance : {$15000.00}. I have never resided at this property or authorized the use of my identity. 

These accounts are appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. They are also being reported contrary to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

I have never provided identification, proof of address, utility bills, or bank statements to these entities, nor authorized any third party to do so on my behalf. Any such documentation is fraudulent. I have previously disputed these accounts with the collection agencies and demanded validation pursuant to FDCPA 1692g ( b ), yet no legitimate proof of liability has been provided. 

Enclosures for your review : 1. FTC Identity Theft Report ( full text included below ) 2. Copy of my credit report highlighting these fraudulent accounts 3. FTC Notice to Furnishers under the FCRA Demand : 1. Conduct a reasonable investigation into these fraudulent accounts. 2. Block and permanently remove these accounts from my credit file within thirty ( 30 ) days of receipt. 3. Provide written confirmation of deletion and closure of these accounts. 
Failure to comply within the statutory period will subject you to potential liability und

er 15 U.S.C. 1681n, 1681o, including damages, costs, and attorneys fees. I declare under penalty of perjury t
hat the statements contained herein are true and correct to the best of my knowledge and belief. 
Sincerely, XXXX XXXX XXXX XXXX. FTC Identity Theft Report Identity Theft Report I, XXXX XXXX XXXX, am submitting this Identity Theft Report to document fraudulent accounts that have been unlawfully associated with my name, Social Security number, and credit file. I am a victim of identity theft and have never applied for, authorized, or executed the lease agreements or related obligations that are being reported against me. 

Fraudulent accounts at issue : 1. National Credit Systems , Inc. ( Account # XXXX ) Allegedly associated with XXXX XXXX XXXX XXXX ; reported balance : {$2100.00}. I never applied for, signed, or entered into a lease agreement with XXXX XXXX XXXX XXXX, nor did I authorize any individual to do so on my behalf. This account was opened without my knowledge or consent and is therefore fraudulent. 

XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) Allegedly associated with XXXXXXXX XXXX XXXX XXXX ; reported balance : {$15000.00}. I have never resided at XXXX XXXX XXXX XXXX, never executed a lease agreement with this property, and did not authorize the use of my identity for this transaction. This account was also opened fraudulently and is not valid. 

These fraudulent accounts are now appearing on my credit report, causing significant harm to my creditworthiness and reputation. The reporting of these accounts is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), which prohibit the furnishing and collection of debts that are not valid. 

I have formally disputed these accounts in writing with the collection agencies and have demanded removal under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), which provides victims of identity theft the right to block fraudulent information from their consumer reports. I have also demanded validation of the debts pursuant to 15 U.S.C. 1692g ( b ) of the FDCPA. To date, I have not received legitimate documentation showing that these debts are valid or lawfully associated with me. 

To be clear, I have never lived at XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. I have never signed a lease agreement with either property, never participated in move-in or move-out inspections, and never received or returned a deposit. I have not received any termination notice, rent ledger, or refund letters because I have never been a tenant at either property. 

In addition, I have never provided copies of my identification, proof of address, bank statements, or utility bills to these entities, nor authorized any person to submit such documents on my behalf. If such documents exist in their files, they were obtained and used without my consent and are therefore fraudulent. 

The impact of this identity theft has been severe. These fraudulent accounts have damaged my credit history and impaired my ability to obtain housing, employment, and credit. The continued reporting of these accounts exposes me to ongoing harm, as prospective landlords, creditors, and employers rely on inaccurate and fraudulent data. 
By filing this Identity Theft Report, I am documenting that I am the victim of fraud, and I am formally requesting that the Federal Trade Commission recognize these accounts as unauthorized. I am also invoking my rights under federal law to ensure that these fraudulent accounts are blocked, deleted, and permanently removed from my credit file. 
I respectfully request that the FTC note the following in support of my position : - Both accounts were opened without my knowledge, authorization, or consent. - I have never had any contractual relationship with XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX. - The associated collection agencies National Credit Systems , Inc. and XXXX XXXX XXXX XXXX have failed to provide legally sufficient documentation establishing my liability. - I have disputed these accounts with supporting evidence, including this Identity Theft Report, a copy of my credit report highlighting the fraudulent items, and my correspondence requesting deletion and documentation. - Any lease agreements, inspection reports, correspondence, utility bills, or identification documents allegedly linking me to these accounts are either forged, fabricated, or otherwise fraudulent. 

This report is submitted in good faith and in reliance on the protections afforded to victims of identity theft under federal law. My purpose in submitting this statement is to establish a clear record that these debts do not belong to me and must not be reported, collected, sold, or transferred. 
I declare under penalty of perjury that the statements contained in this Identity Theft Report are true and correct to the best of my knowledge and belief. 
XXXX XXXX XXXX XXXX Credit Reporting XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$15000.00} - - -No Data - - -No Data NATIONAL CREDIT SYSTEMS XXXXXXXX XXXX XXXX  {$2100.00} - - -No Data XXXX. Collection Agencies XXXX XXXX XXXX National Credit Systems , Inc . 
Fraud Department RE : Account # XXXX Dear Sir or Madam : I am disputing the above-referenced account reported by National Credit Systems , which is associated with XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and did not authorize, sign for, or enter into any lease agreement with this property. The account and reported balance of {$2100.00} are fraudulent. 
I request that you : 1. Remove this fraudulent account from your records.

2. Cease reporting this inaccurate information to all credit reporting agencies.

3. Provide me with written confirmation that the account has been deleted. 
Enclosed are : A copy of my FTC Identity Theft Report A copy of my credit report highlighting this fraudulent item A copy of the FTC Notice to Furnishers outlining your obligations under the Fair Credit Reporting Act ( FCRA ) Under Section XXXX of the FCRA, you are required to block and remove fraudulent information within 14 days of receipt of this notice. Please confirm in writing once this action has been completed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department RE : Account # XXXXXXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am disputing the above-referenced account reported by XXXX XXXX XXXX XXXX XXXX which is associated with XXXX XXXX XXXX XXXX. I am a victim of identity theft and did not authorize or enter into any lease agreement with this property. The reported balance of {$15000.00} is fraudulent. 
I request that you : 1. Delete this fraudulent account and all related records.

2. Stop furnishing false information to the nationwide credit reporting agencies.

3. Provide me with written confirmation of the deletion. 
Enclosed are : A copy of my FTC Identity Theft Report A copy of my credit report showing this fraudulent entry A copy of the FTC Notice to Furnishers under the FCRA Per Section 605B of the Fair Credit Reporting Act, you are required to block and remove this fraudulent information within 14 days of this request. Please confirm in writing. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation