Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, TX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Re : Comprehensive Demand for Human Reinvestigation and Immediate Deletion of Inaccurate / Unverified Derogatory Accounts and Unauthorized Inquiries CFPB Complaint # XXXX ( submitted XX/XX/XXXX ) Dear Experian Compliance/Legal Team : This letter is a formal, statutory dispute and an unequivocal demand for immediate remedial action under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection authorities. I previously submitted Complaint # XXXX to the Consumer Financial Protection Bureau XXXX XX/XX/XXXX ; that complaint remains active. Despite my direct, timely requests to furnishers and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, National Credit Systems, XXXX XXXX, XXXX, and various medical collectors ), those parties have failed to produce admissible documentation that validates the alleged debts. XXXX continued reporting of these unverifiable items violates the FCRAs accuracy and reinvestigation mandates and must stop immediately. 

This letter demands the following, for each disputed item listed below : XXXX. A human-conducted reinvestigation ( not an e-OSCAR code swap ) within the FCRA timeframe XXXX identify the named investigator assigned to this matter and provide direct contact information.

2. Immediate deletion of the disputed trade line and any related hard inquiry if the furnisher ( s ) can not produce primary documentation described below. Partial corrections or re-aging are not acceptable only permanent deletion will cure the statutory violations described herein.

3. Production of the specific documents relied upon to verify each item ( see itemized document list per account ). Provide copies of each document and certify the documents origin ( including chain-of-custody and date/time stamped e-mail/portal transmissions ). 
4. Preservation notice : preserve all records, audit logs, e-OSCAR/CDV messages ( full payloads ), attachments, PDF receipts, access logs, and any internal notes or communications relating to these items. Any destruction of such records will be treated as spoliation and will be reported to regulators and the court. 
XXXX. A corrected XXXX  credit report reflecting deletions, a dated written confirmation of deletion, and a written apology/acknowledgment of the prior erroneous reporting. 
6. If any item is returned verified, produce ( a ) the exact documents relied upon for verification, ( b ) the name and title of the furnisher contact who attested to the documents, ( c ) the method of verification performed, and ( d ) copies of any chain-of-title or assignment documents for debt buyers.

Legal & Evidentiary Grounds ( summary ) FCRA 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

FCRA 1681i ( a ) Upon a consumer dispute, the CRA must conduct a reasonable reinvestigation and delete information that is inaccurate or can not be verified.

FCRA 1681s-2 ( b ) Furnishers must investigate disputes forwarded by a CRA and correct or delete information that can not be verified.

FDCPA 1692g Debt collectors must validate collection debts upon request.

Case law establishing these duties includes XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( CRAs must conduct meaningful investigations and not rely on superficial checks ) and the XXXX XXXX recent standing analysis in XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) ( which underscores the need for actual, concrete harms and accurate processes ). CFPB enforcement actions and complaints also document industry failures to meet reinvestigation obligations ( see CFPB v. Experian enforcement filings ). 

Below each disputed item is separately identified, with the specific verifications I demand and the immediate remedy requested. 



ITEM XXXX XXXX XXXX XXXX  ( Revolving / Charged-Off ) Alleged trade line : Charged-off revolving account ( reported ). 
Factual basis for dispute : I requested validation and a complete account ledger more than two months ago ; none was produced. Reported data shows inconsistent payment history, missing DOFD, and contradictory status fields ( e.g., charge-off reported but open/active indicators present ). These structural inconsistencies render the trade line inaccurate.

Documents required to verify : ( a ) signed original credit agreement or application in my name; ( b ) full payment history showing principal/interest/fees from origination to present ; ( c ) the documented Date of First Delinquency ( DOFD ) with audit trail ; ( d ) charge-off ledger signed by the creditor ; ( e ) any assignment/transfer documents if sold.

Metro/Reporting defects : Missing or inconsistent DOFD ; inconsistent status coding ; failure to display active consumer dispute flag during reinvestigation.

Demand : Delete permanently unless you produce all documents above within 30 days. If documents are produced, they must be originals or verifiable electronic records with chain-of-custody ; otherwise delete. Provide deletion confirmation and corrected file. 



ITEM XXXX XXXX XXXX ( XXXX / XXXX ) Factual basis : No account contract, statements, or charge-off ledger produced when requested. Prior reporting shows inconsistent balances and dates. 
Documents required : Signed account agreement, monthly statements, DOFD, charge-off calculation and ledger, assignment documents ( if any ). 
Demand : Permanent deletion unless Experian produces the full documentary record above, with origin certification, within 30 days. Provide deletion confirmation and corrected report. 



ITEM XXXX XXXX XXXX XXXX ( Collection ; alleged original creditor : XXXX XXXX XXXX  XXXX. ) Factual basis : XXXX is a debt buyer. No chain-of-title, assignment, or documentation of the original agreement has been produced. Reported balance, fees, and post-sale charges are unsubstantiated. 
Documents required : ( a ) Certified chain-of-title and assignment/purchase agreement showing LVNVs acquisition of the account ; ( b ) full original creditor account number and application ; ( c ) itemized ledger showing all interest/fees post-assignment ; ( d ) any proof of notice of assignment to the consumer. 
Legal basis : Debt buyers can not validate via conclusory statements ; FDCPA 1692g validation is required and FCRA 1681s-2 ( b ) requires furnishers to verify.

Demand : Delete immediately unless all documents above, in certified form, are produced within 30 days. 



ITEM 4 National Credit Systems ( NCS ) ( Collection alleged apartment lease / XXXX XXXX XXXX  ) Factual basis : No lease, move-out itemization, or documentation tying me to the alleged unit or charges has been produced ; potential identity/address mismatch. 
Documents required : Lease agreement signed by me, move-out statement detailing charges, landlord ledger, service provider bills, proof linking my SSN or name to the unit, and any assignment documents.

Demand : Delete permanently unless the full evidentiary package is produced and validated within 30 days. 



ITEM XXXX XXXX XXXX  ( Medical collection ; original : XXXX XXXX XXXX XXXX Factual basis : Medical bill validation ( EOB, itemized statement, patient authorization/consent, dates of service and provider ) not produced. Reporting appears to disclose medical provider information ( risking PHI exposure ).

Documents required : Itemized EOB and patient billing, proof of assignment of balance to collector, dates of service, and patient identifier linking the account to me. If the furnisher can not produce HIPAA-compliant documentation proving lawful disclosure, the account must be deleted.

Privacy/Legal note : Medical collections implicate privacy concerns ; XXXX  must ensure reporting does not expose unnecessary PHI and must delete any unverifiable medical entries. 
Demand : Immediate deletion unless full, HIPAA-compliant validation documents are produced within 30 days. 



ITEM XXXX XXXX  ( Collection ; alleged original : 09 Daytown XXXX XXXX ) Factual basis : No contract/lease or itemized billing has been provided. Furnisher naming conventions are inconsistent across screens, indicating unreliable data. 
Documents required : Signed lease or contract, itemized move-out or damage statements, proof linking me to the obligations, assignment documents ( if sold ). 
Demand : Delete permanently unless proof above is produced within 30 days. 



ITEM 7 Additional Medical Collections ( various ) Factual basis : No validation ( EOB, assignment, itemizations ) provided for any of the medical collections reported. Reporting appears incomplete and inconsistent across fields ; DOFD and collection status are often missing.

Documents required : For each listed medical collection : EOB, provider billing, patient match proof, assignment to collector, and itemized ledger.

Demand : Delete permanently unless documented validation is produced within 30 days.

HARD INQUIRIES Remove Immediately If Unauthorized All hard inquiries related to the above accounts ( and any other inquiries that Experian can not show a verifiable permissible purpose for ) must be deleted immediately. If any furnisher claims a permissible purpose, produce the written authorization or a contemporaneous application signed by me that justifies the pull. 



Evidence Preservation & Production Requirements XXXX  must preserve and produce, without redaction, within 30 days for each disputed item : Copies of all documents used to verify the item ( including any documents produced by furnishers ). 
Full XXXX transaction logs, including the full payloads and attachments ; timestamps ; the exact responses from furnishers ; and any internal notes or case logs used during reinvestigation.

Identity of the named human investigator and the time they reviewed the file, plus any communications between XXXX  and the furnisher referring to the verification. 
Copies of any consumer report disseminations that included these items ( to whomever the file was disclosed ) since the first date the item appeared. 

Preserve all evidence now. Any destruction will be treated as spoliation. 



Enforcement/ Remedies I Will Pursue If Experian does not delete the above items ( or produce full, certified documentary verification as described ) within 30 days from your receipt of this letter, I will : 1. Immediately notify and update CFPB Complaint # XXXX with your response and my evidence of non-compliance. 
2. File complaints with the Federal Trade Commission and the Texas and/or relevant State Attorney General.

3. Initiate private legal action seeking statutory and actual damages for willful and/or negligent noncompliance under FCRA 616617 , injunctive relief, costs and attorneys fees, and any other remedies available by law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and  other authorities demonstrating CRAs obligations to perform meaningful reinvestigations. ) 4. Seek expedited discovery and sanctions if evidence shows XXXX  relied solely on automated XXXX code returns rather than a bona fide human reinvestigation. 



Final Instructions / Confirmation Requested 1. Confirm receipt of this dispute and preservation notice within 5 business days.

2. Assign a human investigator to my case and provide the investigators name, direct phone and e-mail. 
XXXX. Confirm in writing that XXXX  will ( a ) conduct a human reinvestigation ( not only XXXX  code exchanges ), ( b ) require furnishers to produce primary documentation as listed above, and ( c ) delete any item that the furnisher can not verify with primary source documentation. 
4. Provide a written response and the corrected Experian credit file within 30 days of your receipt of this letter.

This demand is made without prejudice to any other legal, regulatory, or equitable claims I possess. I will treat any failure to comply or any attempt to verify these items by means of conclusory furnisher responses ( without documentary support ) as a willful violation of the FCRA. 

Sincerely, XXXX XXXX XXXX ( Signature if

Company response to consumer: Closed with explanation