Consumer complaint received 2024-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
In adherence to the mandates delineated within the Fair Credit Reporting Act ( FCRA ), I hereby submit this formal communication to revoke any and all authorizations, whether consciously or unwittingly conveyed, whether manifest in written or unwritten form, verbal or non-verbal. This consumer reporting agency " XXXX XXXX '' and " National Credit Systems '' are reporting an account to the major consumer reporting agencies XXXX and XXXX credit report and other consumer reports that should not be reporting. This is a violation of " 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. '' I never received any written instructions nor gave any instruction to furnish this data. " 15 U.S. Code 1681a - Definitions ; rules of construction The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term " consumer '' means an individual. 
The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. According to XXXX XXXXXXXX ( XXXX XXXX. XXXX ) which states that " any agency can only get your report in response to a request by the head of a XXXX or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). '' They never received any request from such agency so this is also another violation. Also according to " 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports. '' Another violation from the consumer reporting agency " National Credit Systems ''. Also another violation from this consumer reporting agency " National Credit Systems '' is a violation of XXXX XXXX XXXX Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. They never received my authority to to furnish this information to XXXX or XXXX. 15 U.S. Code 1681e states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. '' XXXX and XXXX are not maintaining reasonable procedures. " According to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and National Credit Systems are consumer reporting agencies under 15 U.S. Code 1681a and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Under this title they are financial institutions. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation