Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATIONAL CREDIT SYSTEM INC has been reporting an negative account on my Consumer report since XXXX XXXX  with attached balance of {$3200.00}. I do not know who this person is/are and have not given permission to to obtain any of my personal data. This leads me to confusion particularly to how said debt is owed. The said debt is being verified by XXXX, XXXX, and XXXX somehow as valid. I have disputed the issue with all bureaus and have not been successful in resolving the matter. In addition to multiple letters sent to XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX  which resulted in being returned and XXXX XXXX XXXX. XXXX, XXXX  XXXX with no response. Interestingly the Bureaus have been able to communicate with NATIONAL CREDIT SYSTEM INC and confirm said debt is valid. Per FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) items excluded on a consumer report include a report containing information solely as to transactions or experiences between the consumer and the person making the report. NATIONAL CREDIT SYSTEM INC, XXXX, XXXX, and XXXX are in violation of the law by reporting such transactions. 
Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d Legally Permissible Purposes. The FCRA allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : XXXX. In response to a court order or XXXX XXXX XXXX subpoena. 
XXXX. In accordance with the written instructions of the consumer. 
XXXX. To a person, including a financial institution, that the agency has reason to believe intends to use the report as information for any of the following reasons : a. In connection with a credit transaction involving the consumer ( includes extending, reviewing, and collecting credit ) ; b. For employment purposes ; XXXX c. In connection with the underwriting of insurance involving the consumer ; d. In connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality that is required by law to consider an applicants financial responsibility ; e. As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation. 
f. Otherwise has a legitimate business need for the information : i. In connection with a business transaction that the consumer initiates ; or ii. To review an account to determine whether the consumer continues to meet the terms of the account. 
iii. In response to a request by the head of a State or local child support enforcement agency ( or authorized appointee ) if the person certifies various information to the consumer reporting agency regarding the need to obtain the report. ( Generally, this particular purpose does not impact a person, such as a financial institution, that is not a consumer reporting agency. )

Company response to consumer: Closed with explanation