Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Negative accounts/ items ( company short description / remark / date updated or status ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX filed XX/XX/XXXX ( estimated removal XX/XX/XXXX ). 

XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX / XXXX, XXXX  ) Account reported as Sold ; was Charged-off ( C/O ). Date closed XX/XX/XXXX ; estimated removal XXXX/XXXX. ( Payment history shows XXXX delinquencies earlier in XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported Purchased by another lender ; Unpaid balance ; Charged off Date closed XX/XX/XXXX ; estimated removal XXXX/XXXX. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Account in XXXX ; XXXX {$810.00} ; updated XX/XX/XXXX ; estimated removal XX/XX/XXXX. Original creditor listed as XXXX XXXX. 

XXXXXXXX NATIONAL CREDIT SYSTEMS Collection agency account ( Original creditor : XXXX XXXX XXXX ) ; Balance {$2700.00} ; Pay Status : Placed for collection ; Date opened XX/XX/XXXX ; updated XX/XX/XXXX ; estimated removal XX/XX/XXXX. Remarks show " Account information disputed by consumer ; >PLACED FOR COLLECTION< ''. 

XXXX XXXX XXXX Reported Placed for Collection ; Pay Status : Collection ( Date closed XX/XX/XXXX ) ; balance {$390.00} ; estimated removal XXXX/XXXX ; report shows consumer dispute remark ( FCRA ). 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX Revolving account reported Account 120 Days Past Due ( Pay Status : >Account 120 Days Past Due Date< ) ; Date opened XX/XX/XXXX ; Date updated XX/XX/XXXX ; balance {$2000.00}. 

XXXX XXXX XXXX XXXX Revolving account XXXX Account 90 Days / XXXX / XXXX ( various delinquencies ) ; Pay Status in XXXX shows past due/serious delinquency. Date opened XX/XX/XXXX ; Date updated XX/XX/XXXX ; balance {$2400.00}. 

XXXX XXXX XXXX XXXX mortgage account XXXX Mortgage reported with Pay Status Account 60 Days Past Due ( most recent update XX/XX/XXXX ). Estimated removal XXXX/XXXX. 

XXXX Notes : I focused on items that show adverse remarks ( bracketed markers like >C/O<, >Collection<, >Account 120 Days Past Due Date<, or bankruptcy ). There are other accounts listed as current/good ; I excluded those from this negative list. See the cited pages for full payment-history calendars and more detail.

Hard / Individual credit inquiries ( company date ( s ) reported ) Below are the individual / non-promotional inquiries shown in your report ( these are typically hard inquiries that can affect credit ). I list company and the Requested On date ( s ) shown in the report : IXXXX XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XXXX XXXX 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX On : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and also XX/XX/XXXX ( two entries ). 

XXXX XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 

XXXX XXXX Requested On : XX/XX/XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

XXXX Other individual ( non-promotional ) inquiries listed in the report ( examples found in the Regular/Individual Inquiries section ) : XXXX XXXX Requested On : XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX Requested On : XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX Requested XXXX XXXX XX/XX/XXXX XXXX 

XXXX Account-review / system / internal or consumer-initiated accesses ( these typically are not hard inquiries that hurt score ) examples shown for completeness : XXXX XXXX ( XXXX  XXXX ) Requested On : XX/XX/XXXX ( account review ). 

XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX account review ). 

XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Requested on various dates ( these are your own-file accesses/ consumer or TransUnion system requests ).

If youd like I can do one of the following
next ( pick one and Ill proceed no need to wait, Ill perform it now ) : Export this as a neat one-page summary ( PDF ) you can download.

Create a dispute letter template for one or more of the adverse items ( I can prefill creditor name, account info and a dispute reason ).

Flag which inquiries are most likely to be hard ( affecting score ) vs. which are promotional/soft ( I can mark each inquiry accordingly ).

Which would you like me to do next?

Company response to consumer: Closed with explanation