Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Paragraph 1 ( Unlawful Re-Insertion of Deleted Account ) : XXXX previously deleted a fraudulent account from my credit report, only to unlawfully reinsert it without providing the legally mandated notification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). I have documented proof of the removal and the subsequent re-insertion, which has not only harmed my credit but also undermined my trust in XXXX compliance with federal law. By failing to inform me of this re-insertion and by keeping the account active on my report, XXXX has blatantly violated 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), as these provisions require consumer reporting agencies to ensure accuracy and to properly investigate disputed information before adding it back onto a report. 



Furthermore, XXXX can not deny knowledge of this issue because I have on file both an FTC Identity Theft Report and a newly filed police report, explicitly confirming that I neither initiated nor authorized this account. The presence of these official documents leaves no room for any claim of ignorance or good-faith error on XXXX part. Their disregard for these records, along with their failure to re-verify the account in accordance with the FCRA, indicates a deliberate choice to flout federal requirements designed to protect consumers. 



My documented timeline shows that the account was removed in response to my dispute and identity theft claim, only to mysteriously reappear without the statutorily required notice. XXXX actions have caused me significant financial and emotional harm, as I continue to deal with a derogatory mark on my credit report that should never have been there in the first place. No legitimate creditor has stepped forward to validate the account, which makes its return to my credit file both unlawful and indefensible. 



Paragraph 2 ( Refusal to Provide Validation ) : When I demanded formal proof of validationwritten confirmation from the creditor substantiating the legitimacy of the accountXXXX failed to supply any supporting documentation. This refusal to validate contravenes the very purpose of the dispute process under 15 U.S.C. 1681i ( a ), which obligates consumer reporting agencies to receive, investigate, and either correct or remove unverified data from consumer reports. XXXX dismissive stance demonstrates a willful neglect of its FCRA obligations and calls into question its commitment to accuracy and consumer rights. 



I have made multiple attempts to obtain validation from XXXX, specifically requesting evidence that any legitimate creditor authorized or opened this account in my name. Yet XXXX persists in reporting it without offering any formal verification. The FCRA clearly stipulates that unverifiable accounts must be removed and that reinsertion requires certification of accuracy, along with notice to the consumer. XXXX refusal to provide such verification underscores its disregard for the law. 



This lack of proof leaves me with a harmful mark on my credit file, which lowers my credit score, inflates interest rates, and jeopardizes potential financial opportunities. XXXX decision to rely on unverified and disputed information is not merely a procedural oversight ; it is a brazen affront to consumer protections that exist precisely to prevent wrongful credit reporting and identity theft. 



Paragraph 3 ( Criminal Violations and Legal Action ) : XXXX actions constitute more than just FCRA violations. By transmitting false and unverified information through electronic systems, it has committed Wire Fraud ( 18 U.S.C. 1343 ) ; by sending adverse action notices and other materials through the mail under false pretenses, it has engaged in Mail Fraud ( 18 U.S.C. 1341 ) ; and by enabling fraudulent credit data that affects financial institutions, it has perpetrated Bank Fraud ( 18 U.S.C. 1344 ). These federal offenses are further compounded by XXXX disregard of my FTC Identity Theft Report and the recently filed police report, both of which document my innocence and the fraudulent nature of the account. XXXX ongoing pattern of deceit, refusal to validate, and unlawful reinsertions constitutes a clear violation of consumer protection laws designed to guard against identity theft and fraudulent credit reporting. 



I am prepared to pursue civil litigation against XXXX for its deliberate noncompliance with the FCRA and for participating in these criminal acts. I will also present my evidence to the United States Attorneys Office, as these offenses merit federal investigation and, if necessary, prosecution. XXXX can not escape liability by claiming ignorance when the proof demonstrates otherwise. I stand ready to swear under oath that the documentation I possess shows XXXX decision to keep an unverifiable, fraudulent account on my report, to ignore legal disputes, and to reinsert negative data without proper validation or notice. 



I respectfully request that the CFPB compel XXXX to immediately remove this account, confirm that no verification exists, and hold XXXX accountable for the harm caused to me, as well as for the flagrant statutory and criminal violations outlined above. I trust that my formal complaint will receive the attention it deserves and that XXXX will be forced to comply with all applicable federal and state laws. 

Paragraph 4 ( Mandatory Blocking Requirement ) : Under 15 U.S.C. 1681c-2, XXXX must promptly block information in a consumers file that resulted from identity theft within four business days after receiving a valid identity theft report. I have already provided XXXX with both an FTC Identity Theft Report and a police report, thereby satisfying every requirement to compel immediate blocking. XXXX failure to cease all reporting of this fraudulent account and block the creditor from further damaging my credit file violates this explicit legal obligation. Since XXXX has already been notified of the identity theft and is in possession of unassailable evidence, the law demands that it immediately remove the disputed data, preventing the creditor from reporting any further fraudulent or disputed information.

Company response to consumer: Closed with explanation