Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Formal Complaint Against Credit Bureaus and Third Parties for FCRA, FDCPA, and Identity Theft Violations Dear CFPB Officer, I am writing to file a formal complaint against XXXX, XXXX, XXXX, and several third-party debt collection agencies for violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and identity theft laws. 

I have previously disputed several inaccurate and unauthorized entries with the credit bureaus, yet no corrective action has been taken. This inaction is a direct violation of FCRA 611, which mandates reinvestigation of disputed information within 30 days.

Inaccurate or Fraudulent Names on File : My legal name is XXXX XXXX. However, the following name appears on my credit file and is not mine : - XXXX, XXXX XXXX Under FCRA 602 ( A ) and 605 ( b ), consumer reporting agencies are obligated to ensure maximum possible accuracy and to remove erroneous identifying information. 

Unrecognized or Unauthorized Addresses : My current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX. The credit report contains multiple addresses that I do not recognize or authorize. Per FCRA 609 ( c ), all unverifiable address data must be removed. 

Negative Accounts that Are Inaccurate, Unverified, or Improperly Reported : The following accounts are harming my credit standing and are either unverifiable, inaccurate, or reported without legal validation : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX : {$640.00} XXXX. XXXX XXXX XXXX Acct # XXXX XXXX : {$1300.00} XXXX. XXXX XXXX XXXX Acct # XXXX XXXX : {$760.00} XXXX. XXXX XXXX XXXX Acct # XXXX Balance : {$240.00} ( Medical debt ) XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Balance : {$120.00} ( Medical debt ) Under FCRA 609 ( a ) and 611, these items must be removed if the reporting agency or data furnisher can not verify their accuracy. 

Hard Inquiries Without My Authorization : The following inquiries appear on my credit report and were not authorized by me. These constitute unauthorized access under FCRA 604 ( a ) ( 3 ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - All Banks ( non-specific ) XX/XX/XXXXXXXX  XXXX Legal Grounds for My Complaint : The credit bureaus and third-party furnishers are in violation of : - FCRA 602, 604, 605, 607, 609, and 611 Failure to ensure accuracy, failure to verify, and failure to respond to valid disputes. 
- FDCPA 807 ( 8 ) and 809 ( b ) Reporting unvalidated debt and failure to properly notify me of my right to dispute.

- FACTA ( Fair and Accurate Credit Transactions Act ) Mishandling of personal identity data. 
- Identity Theft Penalty Enhancement Act ( 18 U.S.C. 1028A ) Some information may have been accessed or used fraudulently by third-party agencies, constituting identity theft.

I have attempted to resolve these matters directly through formal dispute letters and have received no sufficient response or remedy. 

Relief Requested : I respectfully request the CFPB to investigate these serious violations and take enforcement action to : 1. Remove all unauthorized names, addresses, inquiries, and accounts from my credit file.
2. Require written proof of verification for any information that remains.

3. Issue confirmation of correction from all involved parties. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation