Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
PLEASE PUBLISH TO CONSUMERFINANCE.GOV To Whom It May Concern at the CFPB : I am writing to formally complain about XXXX mishandling of my credit dispute under the Fair Credit Reporting Act ( FCRA ), Section 611. I discovered a fraudulent collection account reported on my XXXX credit filean account that I do not recognize and did not authorize. 

On XX/XX/XXXX, I submitted a dispute to XXXX  through the Dispute # XXXX listed in the attachment for privacy - clearly identifying the collection account for XXXX XXXX, ( Creditor : National Account Systems ) and stating that the information was inaccurate and likely the result of identity theft. I enclosed supporting documentation, including copies of my credit report with the item highlighted and a dispute letter referencing the Fair Debt Collection Practices Act ( FDCPA ) and FCRA regulations. I have also reached out to XXXX via phone XXXX times and spent hours trying to provide them with information so they can act in accordance with the FCRA but was dismissed every attempt. I have also submitted three disputes with XXXX and provided them with ample for resolution. Every step has been taken to try to allow XXXX  to resolve this and act within the boundaries and accordance of Federal and State law consumer law but they have not. 

By law, XXXX was required to conduct a reasonable investigation and respond within 30 days. However, as of XX/XX/XXXX, despite my dispute, XXXX failed to remove or correct the record. Instead, they maintained the fraudulent account on my credit report and have also CANCELLED without my permission both attempts to re-dispute this inaccurate data on XX/XX/XXXX and XX/XX/XXXX, which has caused direct harmincluding being denied housing applications for myself and children. 
I have repeatedly requested XXXX to : Conduct a proper re-investigation of the fraudulent collection account. 

Remove or correct the disputed item due to lack of verification. 

Provide a statement of dispute on my credit file if the item is not removed. 

Request the entity to provide some sort of accounting or proof that an exchange has taken place for the product or service being claimed- they will not and can not. 

Look into the common threads reported against this entity for said behavior. Many people in this region and state have been defrauded and put at risk through the false claim this entity has and is engaging in. This is NOT an isolated incident with the said entity in mention. 

Despite these efforts, the account remains unchanged, and XXXX continues to report inaccurate information in violation of the FCRA. Their inaction and refusal to correct the error are causing ongoing financial harm and distress. 
Relief : An order requiring XXXX to delete the fraudulent collection entry immediately. 
Confirmation that all consumer reporting agencies are notified so my credit report is corrected across all platforms. 

Any additional relief deemed appropriate given the financial harm, including but not limited to credit monitoring services or compensation for damages occurring due to denial of housing - They have now caused my family to lose hundreds if not thousands of dollars in applications fees.

Company response to consumer: Closed with explanation