Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX Cell XXXX Date : XX/XX/year> Concerning : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX at XXXX th XXXX. / XXXX Acct. # XXXX Bal {$7000.00} File # XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Investigation Violations of Federally Protected Consumer Rights Under 15 U.S.C. 1681b, 1681e ( b ), and 1681s-2 To Whom It May Concern, I am filing this formal dispute and demand for investigation regarding serious and ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( permissible purpose ), 1681e ( b ) ( accuracy ), and 1681s-2 ( furnisher responsibilities ). 

I have made multiple requests to the collection agency reporting on my credit file, seeking validation and verification of the following information regarding an alleged debt they claim I owe to all three credit bureaus. To date, I have not received any proper documentation or proof that would legally authorize this agency to report or collect this alleged debt : 1. A verified and complete list of account activity, including : * Date of last activity * Date the account was closed or written off * Date the account was assigned to or purchased by the agency 2. A document showing an accurate Social Security Number associated with this alleged debt to confirm I am the correct individual.

3. A letter of sale or assignment from the original creditor to the collection agency that establishes a legal right to collect.

4. A copy of my written and signed agreement with the original creditor acknowledging any liability for this debt.

In addition, I am deeply concerned that this alleged account has not only reappeared on my credit report after previously being removed, but it is now also reporting under my daughters credit file, XXXX XXXX XXXX, who resides at the same address. 

This unauthorized and inaccurate reporting is a grave violation of privacy and confidentiality, and I demand that her name along with my information be immediately removed from all records associated with this matter. 
This matter is not being taken lightly. The reappearance of this inaccurate information, without any proper validation or legal basis, constitutes willful noncompliance with the FCRA and is grounds for statutory damages. I am hereby requesting that you : * Open a full investigation into this matter. 
* Provide me with a verified letter of your findings. 
* Confirm whether the information being reported is inaccurate and improperly verified. 
* Confirm whether my daughters credit file has been impacted unlawfully. 
Per my rights under the FCRA, I reserve the right to pursue damages of {$1000.00} per violation per inaccurate account file and all related discrepancies. This letter serves as formal notice of this claim. 

Thank you for your prompt attention to this serious matter. I have enclosed any relevant correspondence and will fully cooperate with your investigation. Please ensure all future communications are sent in writing. 

Sincerely, XXXX XXXX XXXX XXXX ( last XXXX digits ) : XXXX XXXX Daughters Name : XXXX XXXX XXXX XXXX XXXX Parent Address : [ Same as Above ]

Company response to consumer: Closed with explanation