Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX RE : INVESTIGATION REQUEST LETTER TO WHOM IT MAY CONCERN : Received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Not saying they are reporting right or wrong. Just saying that I am not 100 percent sure rights to challenge anything, I am not sure is accurate. Some of the people reporting things on me, I have never heard of, made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? Heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted- if they are not 100 percent correct. So, could you please check on these and get back with me? Saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not, correct them. 
Would like these accounts removed from my credit report immediately or will have to file lawsuit against the following companies etc. : XXXX, XXXX, XXXX, following companies who keeps violated me of my privacy. 


In accordance with Fair Credit Reporting, everything must be 100 % accurate on my credit report. 

The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation. 
15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 
Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX Accounts : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX. XXXX XXXX 
XXXX, SC XXXX XXXX Closed Balance : {$8500.00} Reported : XX/XX/XXXX, to current on my credit report with inaccurate information stating delinquent payments under the Fair Credit Reporting Act : 15 U.S.C Sec. 1681 ( A ) Please Investigate if every piece of information is correct. If not, please remove it from my credit report immediately. XXXX XXXX XXXX are reporting that this account is late for over XXXX through XX/XX/XXXX delinquent payments on Repossession/ Foreclosure. 7 years of Negatively Reporting of delinquent payments in XX/XX/XXXX of Fraudulent Credit History. Unable to purchase an auto loan without paying 27 % percent interest on a loan. This falls under 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission and written instructions. Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 


XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Closed Balance : {$640.00} Reported : XX/XX/XXXX ( 45 months ) late on my credit report ( CC ) Please Investigate if every piece of information is correct. If not, please remove it from my credit report. XXXX XXXX XXXX  are reporting that this account is late for over XXXX through XX/XX/XXXX delinquent payments on ( 75 months of delinquent payments ) 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

National Credit System Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX, GA XXXX XXXX Closed Account : XX/XX/XXXX Reporting : XX/XX/XXXX through XX/XX/XXXX delinquent payments and of as ( 7 ) months of delinquent payments etc. XXXX, XXXX, XXXX has been reporting payments late in the amount of {$10000.00}. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 








XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX XXXX Closed Account : Charge-Off Reporting Collection : XX/XX/XXXX delinquent payments and hurting my credit, Please Investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

XXXX XXXX XXXX # XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX CLOSED ACCOUNT : CHARGE OFF REPORTING COLLECTION : XX/XX/XXXX thru XX/XX/XXXX Charge -Off Negativity Data hurting my FICO Scores and under the is in violation. 
15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 


The US Dept of Education transferred to another Lender without my written consent. 
Account Number : XXXX Open : XX/XX/XXXX Date Reporting : XXXX to XX/XX/XXXX ( Negativity Reporting ) Balance : {$1300.00} on my credit reporting is stating outstanding balance of {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.

15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

XXXX Account Number : XXXX Balance : {$680.00} Date Reporting : XX/XX/XXXX thru XX/XX/XXXX Reporting Collection with outstanding late reporting etc. 
Negativity Data hurting my FICO Scores and under the is in violation. 
15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 


XXXX XXXX XXXX-Transfer to Another Lender Account Number : XXXX  Balance : {$610.00} XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX Duplicate Account- Reporting Collections/Charge-Off Negativity Data hurting my FICO Scores and under the is in violation.

15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. Transfer to another lender without my written consent and under the 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX In accordance with Fair Credit Reporting, everything must be 100 % accurate on my credit report. 
The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation. 
15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 
Please Investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX from another lenders Account Number : XXXX  Open Account : XX/XX/XXXX Reporting : XX/XX/XXXX thru XXXX Reporting Negativity Collections Outstanding Balance : {$340.00} ( Fraudulent Data ) 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

Please Investigate if every piece of information is correct. If not, please remove it from my credit report. 


Results : Theses accounts are hurting my credit and with inaccurate information for my family where we can not purchase a car or home due to negatively reporting on my credit report. 
Attached is a copy of my report with the accounts in question circled. 


Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX cc : XXXX XXXX XXXX, Attorney General of Washington XXXX DC XXXX Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation