Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom it XXXX concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX  XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, PA XXXX XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX  XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 5. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 6. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX XXXX XXXX " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX  Account Number : XXXX Investigate all dates, notations, late payments etc. If account can not be 100 % verified remove immediately. 

XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX  XXXX Account Number : XXXX Investigate all dates, notations, late payments etc. If account can not be 100 % verified remove immediately. 

XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX Investigate all dates, notations, late payments etc. If account can not be 100 % verified remove immediately. 

XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX  Account Number : XXXX Investigate all dates, notations, late payments etc. If account can not be 100 % verified remove immediately. 

XXXX. WHERE IS THE PROOF THAT I HAVE BEEN ASKING FOR THIS IS A DIRECT OBEDIENCE OF MY RIGHTS UNDER FCRA LAW. YOU DID NOT PROVIDE ME NOTICE OF DELINQUENCY OF ACCOUNTS THIS IS A DIRECT DISOBEDIENCE OF 15 U.S.C. 1681s-2 XXXX  Account Number : XXXX Investigate all dates, notations, late payments etc. If account can not be 100 % verified remove immediately. 

XXXX. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. UNDER XXXX XXXX XXXX THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. PAID ACCOUNT PLEASE UPDATE TO PAY AS AGREED AND REMOVE LATE PAYMENT REMARKS THE CREDITOR TOLD ME THAT THEY ARE GOING TO REMOVE THE LATE PAYMENT REMARKS I NEED THIS ACCOUNT TO BE UPDATED AS SOON AS POSSIBLE YOU CAN NOT KEEP ON REPORTING THIS INACCURATE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE ********Under 15 U.S.C . 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete.

***15 U.S. Code 1692c - ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt *****15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

* NOTE : Please also remove all non-account holding inquiries over 30 days old. 



Thank You, XXXX XXXX

Company response to consumer: Closed with explanation