Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Summary of Complaint : I am filing this complaint against National Credit Systems for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite multiple dispute letters sent via certified mail, the company has failed to provide proper debt validation, continues to report inaccurate information on my credit report, and has ignored federal legal requirements.

I have disputed this account on multiple occasions, citing clear legal violations, yet National Credit Systems has failed to respond or provide any supporting documentation proving the validity of the debt. This inaccurate collection account has caused me tremendous financial and emotional distress. My credit score has suffered, making it difficult for me to access essential financial opportunities such as buying a home, securing a business loan, or obtaining fair interest rates. The ongoing reporting of this unverifiable debt has created an undue burden, stress, and frustration. I have spent countless hours writing dispute letters, making phone calls, and trying to resolve this issueall while experiencing the mental and emotional strain of seeing my credit damaged by a false account that does not belong to me. 

The account in question : Account Name : National Credit Systems Account Number : XXXX Original Creditor : Station at XXXX XXXX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) National Credit Systems is in direct violation of multiple sections of the FCRA, including : 1. Failure to Investigate Dispute Within 30 Days ( FCRA 611 ( a ) ( 1 ) ( A ) ) I formally disputed this account multiple times, yet National Credit Systems has not responded within the legally required 30-day period.

Under FCRA Section 611, they are required to conduct a reasonable investigation and respond promptly. Their failure to do so is a clear violation of federal law. 
2. Failure to Provide Proof of Debt Ownership ( FCRA 609 ( a ) ( 1 ) ) I have requested validation, including a copy of any signed contract bearing my signature, but they have failed to provide this.

If a debt can not be validated, it must be removed from my credit report under FCRA Section 609.

3. Failure to Provide Accurate Information to Credit Bureaus ( FCRA 623 ) National Credit Systems is knowingly furnishing false and unverified information to credit bureaus.

This is a willful violation under FCRA Section 623, which requires furnishers to only report accurate information.

4. Failure to Provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) I requested a method of verification detailing how this debt was verified with the credit bureaus, yet I have not received a response. 
XXXX continues to report this account, despite receiving no proper verification from National Credit Systems.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) National Credit Systems is also in direct violation of the FDCPA, including : 1. Failure to Provide Proper Debt Validation ( FDCPA 809 ) : I requested full validation of this debt, yet National Credit Systems has not provided : A signed agreement proving I owe this debt. 
A detailed account history proving the balance owed. 
Proof of their legal right to collect this debt. 
2. Misrepresentation and False Information ( FDCPA 807 ) By continuing to report unverified information, National Credit Systems is engaging in deceptive and misleading practices.

Reporting false information is a violation under FDCPA 807 ( 8 ).

3. Failure to Respond to Multiple Validation Requests ( FDCPA 809 ( b ) ) I sent multiple dispute letters ( including one final notice before legal action on XXXX ), yet National Credit Systems has refused to respond.

Under FDCPA 809 ( b ), debt collectors must cease collection activity until they validate the debt.

Supporting Evidence Attached : 1 ) Copies of all dispute letters sent to National Credit Systems. 2 ) Certified mail receipts proving delivery. 3 ) Returned mail envelope showing an incorrect address was listed with the credit bureaus

Company response to consumer: Closed with explanation