Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom it Concerns, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven truthful, correct, unabbreviated, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged info is among such of which each and one all require immediate deletion or REMOVAL FROM REPORTING diversely. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently needed not yet irrefragable valid nor demonstrated as being certifiably compliant preconditioned to be of facts that I mark as being in question : CREDITOR NAME- NATIONAL CREDIT SYSTEMS DATE XX/XX/year>. Stated on is an unconfirmed collection, not as of yet proven to be with the necessary adequate and requisite achieved lawful Permissible Purpose, and or is not testimonial docile certifiably compliant as it is currently reported. Please ERASE from reporting without hesitation! I am enacting both my consumer and my civil rights by-law to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to unequivalently provide me with written documentation of the deletion of this erroneous data for each and every one of the unproven or else differently not lawfully compliant reportings of accounts, which obviously are in question. You can be assured also that immediately I am also notifying the XXXX XXXX XXXX and Consumer Financial Protection offices in regard to this unforgivable and extremely injurious error in your clear mis-reporting of illegal mis-details! To date, no entity ( neither the accusers nor you ) has elected to properly and de jure in truth, accuracy, completeness, timeliness, and else ways in full reporting compliance ( particularly in metro 2 compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ). As is generally so advised by representatives of the Consumer Financial Protection Bureau ( CFPB ) I have indeed made known my concerns of unlawful chancery-based subterfuge in my credit reports related to these hereby declared. I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the metro 2 compliance requirements from anyone even if and when I forwarded written request of to VALIDATE the account that your firm as miraculously verified, yet without any s u c h proof of this supposed affirmation of facts. If you choose not too or send along one of your famous ridiculous and unflattering much less insulting of intelligence form letters I will have no choice but commence the unpleasantness of a Sections 1024.35 ( note of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed after direct letter of said dispute was provided. You have 5 calendar days to comply and provide a written of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul any and all account records of derogatory, adversary, or else wise not substantiate-able of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Format Compliance , or else whether mentioned or not ) claims or aspects of claims associated. UNLESS IRREFUTABLY irrebuttable, PHYSICALLY, TO BE FULLY METRO 2 COMPLIANT AND CURRENT, undoubted, CORRECT, unabridged, TIMELY, MINE, OF MY RESPONSIBILITY, OR ELSEWISE MANDATED PER REPORTING LAWS OF MY STATE AND OR FEDERALLY ABSOLUTELY NO ADVERSE OR DEROGATORY CAN BE not illicitly RETAINED MUCH LESS LEGALLY .AS SUCH, I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL ANY NOW BY FULL AND PERMANENT DELETION OR ELSE ADEQUATELY TESTIMONY TO THE DOCUMENT CERTIFICATION OF YOUR OBEYING OF THE MANDATED METRO 2 DATA FORMATTED REPORTING REGULATION STANDARDS. FAILURE TO REMEDY THIS APPROPRIATELY WILL LEAD TO MY DETERMINED AND RIGHTFUL CIVIL ACTIONS TO SUIT YOU AND SEEK MONETARY RESOLUTION GRANTED ME VIA A COURT IN MY JURISDICTION. In Genuine Sincerity I close, My First and Last Name is and ONLY is XXXX XXXX XXXX

Company response to consumer: Closed with explanation