Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
Since 2023 I have been writing and calling National Credit System to demand validation of this alleged debt pursuant 1692g, by requesting the original purchase agreement bearing my signature and the signatures of the party they claim to represent. I also asked them to provide proof of ownership of the debt and proof that they have a license to collect debt in INDIANA & the 1099-C that was used by their alleged client to Discharge this alleged debt that I am owed by law. I also requested proof of any letters I would have written to National Credit System bearing my wet signature giving my express written consent to them to report this alleged debt to my consumer reports pursuant 15 USC 1681b ( a ) ( 2 ).

National Credit System ignored ALL of my request and just auto verified this alleged account as validated and accurate without providing any proof of claim. This has caused great unwanted mental stress. The client they claim to represent Dismissed this case in court due to lack of jurisdiction and possible tax fraud, yet National Credit System continues to collect of an alleged debt. National Credit System also denied my request for complete accounting per 9-210 & a Securitization audit from their clients pursuant 2-609.

So as of today pursuant the Fair Credit Reporting Act, 15 USC 6802 & 16 CFR 313.7 ( f ) I called National credit System on a recorded line to Express my rights as a Federally Protected Consumer to OPT-OUT of all authorization I may have given them written, unwritten, verbal or non-verbal to sharing my " Non-Public Personal Information & my Non-public Financial Information '' to any non third parties or non affiliates immediately. I informed them the phone call was recorded and that they had 72hrs to remove this alleged information from all consumer reporting agencies, secondary consumer reporting agencies and whom ever they reported this alleged negative information to. National Credit System will not be doing anything and totally ignore my rights to OPT-OUT and they would keep reporting it. 

Please help investigate this15 USC 1681b ( a ) ( 2 ) violation and their willful non compliance and disregard for the Fair Credit Reporting Act. I will upload phone call and all laws as proof of their willful non compliance and my rights as a federally Protected Consumer pursuant the Fair Credit Reporting Act, Fair Debt Practices Act, 15 USC 6802 & 16 CFR 313.7 ( f ). I will be seeking compensation if this is not handled by the CFPB. They are fully aware that this case was dismissed and the information they are reporting is inaccurate but continue to report it, which is a violation of 15 USC 1681s-2.

National Credit System is reporting transactional history on my consumer reports which is strictly prohibited by congress and 15 USC 1681a 2Ai. Please help as these clear violations have caused me grave harm financially & mentally, I feel as if my identity belongs to National Credit System now.

Company response to consumer: Closed with explanation