Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Dispute of Inaccurate Address Reporting and Collection Accounts DEMAND FOR IMMEDIATE DELETION Dear XXXX, I am writing to issue a formal and urgent dispute regarding : Incorrect and outdated addresses listed on my XXXX  credit report Unvalidated and inaccurately reported collection accounts Reported by XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} ) Reported by National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} ) XXXX. Address Dispute FCRA Violation Let me be crystal clear : My only valid and current address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Any and all other addresses are obsolete, incorrect, or invalid, and must be immediately deleted from my credit report. These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses are outdated and no longer associated with me. Continued reporting of outdated personal identifying information violates : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( 4 ) : Prohibition against outdated address data FCRA 1681i : Failure to correct disputed information after notice 2. Collection Accounts Demand for Immediate Deletion I am disputing the following derogatory collection accounts as inaccurate, unverified, and damaging to my consumer report : A. XXXX XXXX XXXX XXXX XXXX XXXX : {$210.00} Date Reported : XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Unpaid Date Assigned : XX/XX/XXXX Original Creditor : XXXX  Insurance Violation : This debt has not been validated or verified. It is being reported without : Original signed contract Proof of legal assignment Chain of custody of the debt Proof of your permissible purpose to furnish it This violates : FCRA 1681s-2 ( b ) : Duty of furnishers to investigate and correct inaccurate information FDCPA 809 ( b ) : Failure to provide proper debt validation upon request FCRA 1681e ( b ) : Failure to maintain reasonable procedures for accuracy B. National Credit Systems XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Original Balance : {$2400.00} ( now paid ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Paid / Still reporting negatively Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Violation : This account is paid and should not continue to report as a derogatory collection. Continuing to do so : Misleads lenders about my financial responsibility Violates FCRA 1681e ( b ) and 1681c ( f ) Constitutes continued punitive reporting with no current balance due DEMAND FOR ACTION : Per the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and FACTA, I demand : Immediate deletion of all outdated and former addresses from my credit report Permanent removal of the XXXX XXXX XXXX and National Credit Systems accounts Written confirmation of deletions within 15 days of receiving this letter Cessation of all future reporting of unverified, inaccurate, or outdated data XXXX XXXX

Company response to consumer: Closed with explanation