Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
URGENT - CRIMINAL MISCONDUCT AND FRAUD DETECTED This collection account involves criminal fraud, illegal eviction, and systematic misconduct by XXXX XXXX XXXX. Immediate removal is required to avoid complicity in ongoing criminal activity.

DOCUMENTED CRIMINAL CONDUCT : 1. FRAUDULENT KEY CHARGES - {$350.00} XXXX XXXX charged {$250.00} for " Key and Access Card Income x2 remotes x2 fobs not returned '' Additional {$100.00} for " Key / Lock Charge - Did not return keys - lock change '' CRITICAL FACT : The property used digital locks - NO PHYSICAL KEYS EXISTED This constitutes criminal fraud under Texas Penal Code 32.46 2. ILLEGAL SELF-HELP EVICTION XXXX XXXX illegally locked tenant out using digital lock controls Deliberately unplugged garage door opener to prevent access These actions violate Texas Property Code 92.0081 ( Illegal Entry/Lockout ) 3. SYSTEMATIC FRAUD PATTERN Charging for non-existent keys while using digital access Creating false documentation to support fraudulent collection Using illegal eviction tactics to force tenant departure TEXAS CRIMINAL LAW VIOLATIONS : Texas Penal Code 32.46 - Credit Card/Debit Card Abuse : Fraudulent debt collection practices involving false charges.

Texas Penal Code 32.47 - Fraudulent Use of Credit Card : Creating false documentation to support fraudulent charges.

Texas Penal Code 30.05- Criminal Trespass : Illegally denying tenant access to leased premises.

FEDERAL CRIMINAL VIOLATIONS : 18 U.S.C. 1341 ( Mail Fraud ) : Using mail system to collect fraudulent charges for non-existent keys.

18 U.S.C. 1343 ( Wire Fraud ) : Electronic transmission of false debt information involving fabricated key charges.

18 U.S.C. 1962 ( RICO ) : Pattern of fraudulent conduct affecting interstate commerce.

TEXAS CIVIL LAW VIOLATIONS : Texas Property Code 92.0081 - Landlord 's Duty Not to Interfere : " A landlord may not intentionally prevent a tenant from entering the leased premises except by judicial process. '' Texas Property Code 92.008 - Remedies for Illegal Lockout : Tenant entitled to actual damages, punitive damages, attorney 's fees, and {$1000.00} civil penalty.

Texas Deceptive Trade Practices Act ( DTPA ) : Fraudulent key charges constitute deceptive practices subject to treble damages.

FDCPA VIOLATIONS BY NATIONAL CREDIT SYSTEMS : Section 807 ( 2 ) ( A ) - False Debt Representation : Collecting fraudulent charges for non-existent keys constitutes false debt representation.

Section 807 ( 5 ) - Collection of Unauthorized Amounts : Key charges prohibited by law can not be legally collected.

Section 808 ( 1 ) - Unfair Practices : Pursuing debt containing obviously fraudulent charges.

CASE LAW PRECEDENTS : Lindsey v. Normet, 405 U.S. 56 : Self-help evictions violate constitutional due process rights.

Johnson v. Riddle, 443 F.3d 723 : Collectors liable for pursuing debts containing charges prohibited by law.

Block v. Hirsh, 256 U.S. 135 : Landlord can not use self-help remedies to evict tenants.

EVIDENCE PRESERVATION DEMAND : All parties must preserve : Digital lock access logs showing manipulation of tenant access Garage electrical system records showing deliberate disconnection Internal communications regarding tenant lockout procedures Training materials on digital lock operation vs. key charging procedures IMMEDIATE CRIMINAL REFERRALS : This matter is being referred to : XXXX XXXX District Attorney - Economic Crimes Division Texas Attorney General - Consumer Protection & Medicaid Fraud FBI Houston Field Office - Wire Fraud Investigation U.S. Attorney XXXX XXXX XXXX XXXX - Federal Fraud Prosecution CONSTITUTIONAL VIOLATIONS : Due Process ( 14th Amendment ) : Illegal self-help eviction violates Lindsey v. Normet. Equal Protection : Systematic targeting of departing tenants with fraudulent charges. VERIFICATION IMPOSSIBLE : National Credit Systems CAN NOT provide verification
because : No physical keys existed to be " not returned '' No locks existed to be " changed '' Digital access logs will prove fraudulent nature of charges Garage door disconnection was deliberate sabotage, not key-related damage DEMAND FOR IMMEDIATE ACTION : Complete Removal of fraudulent collection account Criminal Investigation Referral to appropriate law
enforcement Regulatory Action against XXXX XXXX XXXX XXXX licensing Class Action Investigation - this appears to be systematic fraud affecting multiple tenants LEGAL CONSEQUENCES : Continued reporting subjects all parties to : Federal Criminal Prosecution - Wire fraud, mail fraud, RICO State Criminal Prosecution - Fraud, illegal eviction Civil RICO Damages - Treble damages for pattern of fraud Constitutional Civil Rights Violations - 42 U.S.C. 1983 Texas DTPA - Treble damages plus attorney fees WARNING TO CREDIT BUREAU : This debt involves obvious criminal fraud ( charging for non-existent keys ). Continued reporting after notice makes you complicit in ongoing criminal activity and subjects you to criminal accessory charges.

Company response to consumer: Closed with explanation