Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am writing to your XXXX office today because your companys reckless and inaccurate credit reporting has caused me direct, tangible financial harm. I have now been denied credit due to the erroneous collection account your firm continues to report. 

For years, XXXX XXXX XXXX has furnished contradictory and unverifiable information about this account to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. Your ongoing negligence has now crossed a critical thresholddamaging my financial opportunities in the real world. 

XXXX. Your Documented FCRA Violations You are furnishing information that is provably false, in violation of the following laws : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) You are furnishing information you know or should know is inaccurate. 

Proof : You report the Date Last Active as XX/XX/XXXX to Experian, but as XX/XX/XXXX to Equifax. These dates are XXXX years apart and can not both be true. This alone proves your data is unreliable. 

15 U.S.C. 1681s-2 ( b ) ( 1 ) You have failed to conduct a reasonable investigation after multiple disputes. 

Proof : TransUnion has already deleted this account from my file, confirming it can not be verified. Yet you continue reporting it to other bureaus. This demonstrates a willful disregard for accuracy. 

Legal Precedent : In XXXX v. XXXX Acquisitions XXXX ( XXXX ), the court ruled that furnishers must conduct a reasonable investigation when notified of a dispute by a credit bureau. Your failure to correct contradictory " Date Last Active '' information after multiple disputes mirrors the violation in this case. 

15 U.S.C. 1681e ( b ) You have undermined the maximum possible accuracy required by law, directly causing lender decisions against me. 

XXXX. The Real-World Consequence : Credit Denial Because of the inaccurate, high-balance collection your company continues to report, a lender has formally denied me credit. This is not hypothetical harmit is actual financial injury caused by your companys failure to comply with federal law. 

The impact is clear : Denied loan opportunities XXXX interest rates on approved credit Loss of financial flexibility Emotional and reputational harm Your errors are no longer just entries on a reportthey are now blocking my access to financial products and costing me money. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX the severity of the situation, I demand the following proof within 30 days. If you can not provide it, you have no legal basis to continue reporting this account : Tennessee Collection License Complete Bill of Sale/Assignment for this specific debt, with chain of title Original signed lease agreement from STATION AT XXXX XXXX XXXX XXXX of the {$4300.00} balance Proof the original creditor did not file an insurance claim or tax write-off for this debt Your Errors & Omissions XXXX XXXX XXXX This XXXX your final opportunity to correct years of errors before I escalate through every available legal and regulatory channel. The time for empty investigations is over. You must delete this inaccurate account now. 

XXXX. Direct Question & Required Action I ask you directly : Would you accept a credit report containing such obvious errorslike contradictory " Date Last Active '' information spanning XXXX yearsas accurate if this were your own credit report? If you had spent years disputing these same errors only to have them ignored, would you consider deletion the only fair resolution? 



This is your final opportunity to correct years of errors before I escalate through every available legal and regulatory channel. The time for empty investigations is over. You must delete this inaccurate account now.

Company response to consumer: Closed with explanation