Consumer complaint received 2025-03-11 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:
CFPB Complaint Subject : Violations of FCRA 15 U.S.C. 1681s-2 ( b ), FDCPA 809 ( b ), and Failure to Conduct a Reasonable Investigation Complaint Against : National Credit Systems , Inc. ( XXXX ) XXXX Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint builds upon my previous CFPB complaint ( # XXXX ), which resulted in XXXX deleting the disputed account after determining it was inaccurate and unverifiable. However, XXXX and XXXX continue to report this invalid account, despite the legal violations and discrepancies presented. 

Violations Identified 1. Failure to Conduct a Reasonable Investigation ( FCRA 15 U.S.C. 1681s-2 ( b ) ) Under FCRA 15 U.S.C. 1681s-2 ( b ), furnishers ( NCS ) must conduct a reasonable investigation upon dispute notification. However, despite multiple disputes and clear discrepancies in balances, dates, and fees, NCS failed to verify the accuracy of the debt but continues to furnish it. 
Evidence of Violation : XXXX deleted the account, acknowledging the dispute was valid, yet XXXX and XXXX continue to report it in violation of FCRA standards. 
National Credit Systems reported conflicting balances ( {$260.00} vs. {$330.00} ), dates, and charges, proving that they lack proper documentation. 
XXXX and XXXX failed to ensure maximum accuracy by continuing to report data that XXXX already deemed unreliable. 
Regulatory Breach : FCRA 1681s-2 ( b ) : Requires a reasonable investigation before continuing to report disputed information.

FCRA 1681i ( a ) ( 1 ) ( A ) : Requires CRAs to conduct an independent review within 30 days.

FCRA 1681e ( b ) : Requires CRAs to maintain accurate recordsfailing to remove an invalid account violates this provision.

2. Reporting False and Misleading Information ( FCRA 1681s-2 ( a ) ) Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers can not provide inaccurate information to a consumer reporting agency when they know or should know it is false.

Evidence of Violation : National Credit Systems provided conflicting account balances and incorrect debt validation responses. 
The original creditor ( Wynchase Apartments ) failed to provide documentation proving NCSs legal right to collect. 
Despite XXXX deleting the account, XXXX and XXXX continue to report unverified and disputed information, violating consumer rights. 
Regulatory Breach : FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits reporting knowingly inaccurate data.

FCRA 1681e ( b ) requires CRAs to ensure reported data is accurate and consistent across all bureaus.

3. Failure to Provide Proper Debt Validation ( FDCPA 809 ( b ) ) Under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), a debt collector must cease collection and reporting efforts until proper validation is provided.

Evidence of Violation : I requested full debt validation from NCS, including : Proof of ownership of the debt ( chain of custody from the original creditor ). 
A full payment history from XXXX Apartments. 
A breakdown of alleged damages and fees. 
Documentation proving NCS has legal authority to collect this debt.

NCS failed to provide proper debt validation but continued to furnish the account to XXXX and XXXX. 
XXXX XXXX : FDCPA 809 ( b ) : A debt collector must stop all collection and credit reporting until full validation is provided. 
FCRA 1681s-2 ( b ) : Prohibits reporting unverified accounts.

4. XXXX & XXXX Failure to Remove Disputed, Unverified Debt ( FCRA XXXX ( a ) ) Evidence of Violation : XXXX deleted the account, yet XXXX and XXXX failed to update or delete the same invalid entry. 
Despite clear FCRA violations by NCS, these bureaus continue to publish and circulate false information.

Regulatory Breach : FCRA 1681i ( a ) ( 1 ) ( A ) : CRAs must reinvestigate disputed information within 30 days.

FCRA 1681i ( a ) ( 5 ) ( A ) : Unverifiable information must be deleted. 

Requested Resolution Given these clear violations, I demand the following actions : Immediate and Permanent Deletion of This Account From XXXX & XXXX A CFPB-Supervised Investigation Into National Credit XXXX XXXX and XXXX XXXX for FCRA XXXX FDCPA XXXX XXXX XXXX XXXX has XXXX to comply with federal laws, and XXXX & XXXX XXXX XXXX constitutes reckless noncompliance with the FCRA. I request CFPB intervention to enforce deletion and pursue further regulatory actions against these entities.

Company response to consumer: Closed with explanation