Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
THIS COMPLAINT IS FOR XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # NATIONAL CREDIT SYSTEM # XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

1. Violation of Privacy Rights [ 15 U.S.C. 1681a ( d ) ] The inclusion of this bankruptcy record on my credit report was done without my proper consent and did not follow the required procedures for handling sensitive information. This action infringes upon my privacy rights and has adversely affected my financial reputation.

2. Non-Compliance with Permissible Purposes under the FCRA [ 15 U.S.C. 1681b ( a ) ( 2 ) ] According to this section of the FCRA, information on credit reports must only be used for permissible purposes and in accordance with established procedures. The bankruptcy record in question was reported without valid permission and does not meet the necessary criteria for inclusion, making its presence on my report inappropriate. 

XXXX. Right to Request Removal of Inaccurate Information [ 15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ) ] Under sections 15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ), I have the right to request the removal of any information that is not accurately reported or that is inappropriate for inclusion in my credit report. Additionally, under 605 ( a ) ( 1 ), I am entitled to request proof of the verification of the bankruptcy record. If you are unable to provide such proof, the record must be deleted.

4. Violation of Rights under Title 15, Chapter 41 Under federal consumer protection rights, my rights under Title 15, Chapter 41 ( The FCRA ) have been violated. I am entitled to a full accounting of how this bankruptcy was verified and to have all information on my credit report treated accurately and lawfully. 
5. Failure to Conduct a Thorough Verification [ XXXX XXXX XXXX XXXX XXXX ] In XXXX XXXX XXXX XXXX XXXX, the court ruled that credit bureaus are legally required to conduct a reasonable and thorough investigation of any dispute. As this bankruptcy record was not verified thoroughly with the appropriate court, its inclusion constitutes a violation of this duty and, therefore, must be removed from my report.

6. Accuracy and Updating of Information [ XXXX XXXX XXXX, XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX, it was established that credit bureaus must ensure the accuracy and currency of information on credit reports. As this COLLECION record is not correctly verified and contains inaccurate information, its inclusion on my credit report is improper and should be removed.

Additional Violations of the FCRA and Consumer Rights Consumer Notification [ 15 U.S.C. 1681i ( a ) ( 6 ) ] The credit bureau must notify consumers of the results of any investigation. I have not received any notification regarding the investigation or verification of this bankruptcy record. Therefore, I demand its removal as per my right to be informed of verification results.

Responsibility of Information Providers [ 15 U.S.C. 1681s-2 ( b ) ] Information providers must also investigate disputes adequately. I demand a thorough review of this bankruptcy, as the lack of a detailed verification process is insufficient under the FCRA.

Negligence and Financial Harm [ 15 U.S.C. 1681o ] The bureau has been negligent in allowing this inaccurate information on my report, causing financial harm by negatively impacting my credit history. I demand the immediate removal of this erroneous record.

Unfair and Deceptive Practices [ UDAAP ] The FCRA and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) guidelines protect consumers from abusive methods and inadequate verification processes. Including a bankruptcy record without a manual verification is deceptive and abusive. I demand a manual and thorough review of this record and the removal of the information if it can not be properly verified.

Right to Clear and Accurate Information under the Truth in Lending Act ( TILA ) As a consumer, I am entitled to clear and accurate information about my financial standing. The incorrect inclusion of this bankruptcy on my report negatively impacts my ability to access credit under fair terms. This lack of transparency indirectly violates my right to truthful information in credit reporting and impedes my ability to make informed decisions.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Failure to respond satisfactorily within 15 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Advised of this legal matter : CC : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX D.C XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX D.C XXXX CC : FTC - Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Telephone : ( XXXX ) XXXX CC : CFPB - Complaint by phone & Fax via XXXX Fax XXXX CC : CFPB - Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Iowa XXXX

Company response to consumer: Closed with explanation