Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Hi, this company has repeatedly reported this inaccurate report to my credit profile for years and I want it removed. It has caused damages to my credit profile. It is reported as a collection but shows open every month. I have forwarded this copy to you that was sent to the creditor to immediately remove this collection file from my report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date : XX/XX/year> To : Compliance Department National Credit Systems , Inc . 
XXXX  XXXX XXXX XXXX, GA XXXX, XXXX Subject : Formal Request for Deletion XXXX XXXX & FCRA Compliance Violation Account Reference : [ Account Number ] {$260.00} Last Reported XX/XX/year> To Whom It May Concern, I am contacting you regarding the above-referenced account you are furnishing to the credit reporting agencies. This is a formal demand for deletion based on violations of the XXXX XXXX Credit Reporting Resource Guide ( CRRG ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

After reviewing your reporting, I have identified the following compliance failures : XXXX XXXX Format Non-Compliance The account is reported as Open while marked Placed for collection. Under XXXX XXXX standards, a collection account can not simultaneously be reported as open. 

Duplicate/Contradictory Remarks The remark Account information disputed by consumer is duplicated. This can mislead or distort a consumer report in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( accuracy and completeness requirement ). 

Improper Status Updating XXXX XXXX standards require a collection account to reflect a closed date upon placement and not be reported as open when no credit line exists. The current reporting misrepresents the accounts true status. 

Misrepresentation of Original Creditor You have listed National Credit Systems as the original creditor. This is inaccurate ; your company is a debt collector, not the original creditor, violating FCRA 1681s-2 ( a ) ( 1 ) ( B ) and constituting a deceptive practice under FDCPA 807 ( 2 ) ( A ).

Failure to Verify Disputed Information Despite my dispute ( as noted in the remarks ), the account continues to be reported without evidence of a proper reinvestigation, violating FCRA 1681i ( a ). 

These errors constitute reporting that is inaccurate, incomplete, and non-compliant. Under the FCRA, you are obligated to ensure the maximum possible accuracy of information you furnish, and to delete or correct unverifiable or non-compliant data. 

Therefore, I demand the immediate removal of this account from all consumer reporting agencies. 

If you fail to comply, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney General. 

Pursue legal remedies under the FCRA and FDCPA, including monetary damages, attorneys fees, and court costs. 

Please provide written confirmation of deletion within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation