Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> To : National Credit Systems , Inc . 
XXXX XXXXXXXX XXXX XXXX, GA XXXX ( Or the address listed on your credit report ) Re : Dispute of Inaccurate and Improperly Reported Charge-Off Account CFPB Complaint Closed on XX/XX/year> To Whom It May Concern : I am writing to formally dispute your reporting and handling of an account you have listed in my credit file and to respond to the Consumer Financial Protection Bureaus closure of my complaint on XX/XX/year>. Despite the CFPBs closure, the issues I raised remain unresolved, and your actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws.

Specifically, you have : 1. Reported the incorrect amount owed on the account.

2. Reported the account under an incorrect name, causing confusion and misidentification.

3. Sold or transferred the alleged debt to another entity, yet continued or permitted reporting under your name.

4. Failed to conduct a reasonable investigation of my dispute as required by federal law.

5. Failed to provide validation or documentation supporting the accuracy and ownership of this debt.

Your closure response did not provide any documentary proof, verification, or detailed explanation as to how you verified this account. That is not acceptable under federal law.

Violations of Federal Law Your actions appear to violate the following sections of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting inaccurate or incomplete information to credit reporting agencies.

15 U.S.C. 1681s-2 ( b ) ( 1 ) Requires a furnisher, after receiving notice of a dispute from a CRA or the CFPB, to conduct a reasonable investigation and correct or delete inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 3 ) Requires disputed information to be clearly marked as in dispute during the investigation process.

15 U.S.C. 1681i ( a ) Requires the CRA and furnisher to complete a reinvestigation within 30 days, provide written results, and supply a free updated report if any change is made.

15 U.S.C. 1681e ( b ) Requires credit reporting agencies to ensure the maximum possible accuracy of consumer information.

CFPB Circular 2022-07 Warns furnishers that failure to conduct a reasonable investigation violates the FCRA and may result in civil liability.

Your conduct also disregards the principles of due process in consumer credit reporting, as you failed to provide fair notice, evidence of ownership, and proper validation before continuing to furnish data that directly impacts my creditworthiness.

Formal Demand for Compliance Accordingly, I demand that within 30 days of receipt of this letter, you must : 1. Provide me with complete documentation that verifies the accuracy and ownership of this alleged debt, including the full chain of assignment or sale.

2. Identify the specific evidence you used to verify the disputed information reported to XXXX XXXX and XXXX 
3. Cease all reporting of this account until a full and lawful investigation is completed.

4. Correct or delete any inaccurate or unverifiable information from all credit reporting agencies.

5. Provide a written response detailing your findings and the actions taken.

Failure to comply may result in legal action under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), where I may seek actual damages, statutory damages, punitive damages, and attorneys fees.

Notice of Intent to Escalate If you fail to provide proof of accuracy, lawful ownership, and compliance with federal procedures, I will : File a new complaint with the CFPB, including this letter and your prior noncompliant response, Submit a copy to the FTC and my state attorney generals office, and Consider pursuing civil remedies in federal court under the FCRA.

Your disregard for accuracy and due process has caused harm to my credit reputation and financial opportunities. I expect immediate correction and full transparency in compliance with federal law. 

Sincerely, /s/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation