Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Final Notice of Dispute and Intent to Sue Violations of FDCPA, FCRA, Metro 2, and Fraudulent Misrepresentation to a Federal Agency Furnisher : National Credit Systems ( NCS ) Original Creditor : XXXX XXXX XXXX XXXX Credit Bureau : XXXX  Active Account Number : XXXX Deleted Account Number : XXXX Reported Balance : {$3400.00} Date Opened ( per XXXX  ) : XX/XX/XXXX Current Status : Collection account, {$3400.00} past due as of XX/XX/XXXX, with ongoing monthly collection notations To Whom It May Concern : This letter serves as both a formal dispute under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and a final notice of intent to initiate legal proceedings against National Credit Systems and XXXX. 

I assert the following : I have never received proper legal notice of my right to dispute within 30 days From XXXX I have submitted prior disputes that were ignored or misrepresented The tradeline ( s ) in question are factually and legally defective National Credit Systems has made false statements to a federal regulator CFPB as Duplicate. CFPB has confirm for records that is/was not a duplicate complaint and was not properly addressed by XXXX I XXXX FEDERAL LAW VIOLATIONS XXXX. Denial of 30-Day Right to Dispute ( FDCPA 1692g ( a ) ) Under federal law, any debt collector must, within five ( XXXX ) days of first communication ( including credit reporting ), issue written notice informing the consumer of : The amount of the debt The name of the original creditor The consumers right to dispute within 30 days The consumers right to request verification No such notice was ever received. As a result, XXXX denied me the ability to exercise my legal right to dispute this alleged debt. This is a clear and actionable violation of FDCPA 1692g ( a ). 

XXXX. Failure to Use Correct Address or Verify Communication ( FDCPA 1692e, FCRA 1681i ) At no time did XXXX verify or use my accurate mailing address, which has long been on file with Experian. If XXXX claims it sent notice, it failed to ensure delivery. Collection activity under such conditions is unlawful and misleading. 

XXXX. False Reporting of Open Collection Status ( FCRA 1681e ( b ), Metro 2 Guidelines ) The account in question is being reported to XXXX as : Open {$3400.00} past due as of XX/XX/XXXX With monthly collection notations for XXXX months This reporting misrepresents the legal status of the account. If charged off or closed, it can not legally be reported as open with an ongoing past-due balance. This is a violation of the FCRAs duty to report information with the maximum possible accuracy, as well as Metro 2 formatting rules. 

XXXX. Illegal Monthly Derogatory Updates After Charge-Off ( FCRA 1681e ( b ), Metro 2 ) Even if the account were valid, XXXX and XXXX  have added monthly collection notations ( C ) from XX/XX/XXXX through XX/XX/XXXX, long after any alleged charge-off. 
This constitutes : False portrayal of continued non-payment Improper re-aging of the debt A separate FCRA violation for each month of post-charge-off reporting XXXX. Creation of a Second Tradeline Under a Different Account Number ( FCRA 1681s-2 ( b ), FDCPA 1692e ) After my dispute, XXXX created and furnished a second account to Experian under a different account number but with the same alleged balance and origin. 
This was not a correction or internal update it was a deliberate attempt to bypass investigation and continue damaging my report under a new tradeline. 

This was removed only after I filed a formal CFPB complaint, demonstrating that it was improper, retaliatory, and deceptive in nature. 

This violates : FCRA 1681s-2 ( b ) for furnishing false or duplicative data FDCPA 1692e ( 2 ) ( A ) for misrepresentation of debt status and identity XXXX. False Statements to the CFPB Willful Misrepresentation ( FCRA 1681s-2 ( a ), 18 U.S.C. 1001 ) The Consumer Financial Protection Bureau confirmed that XXXX intentionally and falsely labeled my complaint as duplicate despite that complaint involving a separate tradeline with a different account number and unique facts. 

This was not a duplicate. It was a second, distinct tradeline entered in response to my dispute. 

By falsely characterizing my complaint, XXXX : Furnished knowingly inaccurate dispute information to a federal agency Attempted to mislead and obstruct federal investigation Committed an act that may rise to criminal violation under 18 U.S.C. 1001 ( false statements to a federal agency ) This reflects bad faith, intent to deceive, and a clear violation of the FCRA and federal law. 

XXXX. Failure to Reinvestigate and Correct After Prior Disputes ( FCRA 1681i ( a ) ) I submitted disputes directly to Experian regarding this tradeline. No documentation was provided by XXXX, and XXXX failed to correct the errors. This constitutes failure to conduct a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) ( A ).

II. VIOLATION SUMMARY & DAMAGES Violation Statute Count Denial of 30-day dispute rights FDCPA 1692g ( a ) 1 No verified communication FDCPA 1692e, FCRA 1681i 1 False open status reporting FCRA 1681e ( b ) 1 17+ post-charge-off updates FCRA 1681e ( b ), Metro 2 17+ Fabrication of second tradeline FCRA 1681s-2 ( b ), FDCPA 1692e 1 Knowingly false statements to CFPB FCRA 1681s-2 ( a ), 18 U.S.C. 1001 1 Failure to reinvestigate dispute FCRA 1681i ( a ) 1 Estimated Total Violations : 23+ Minimum Statutory Damages : {$23000.00} Additional : Actual damages, reputational harm, punitive relief as applicable III. SETTLEMENT DEMAND To resolve this matter amicably and without court intervention, I demand : Immediate and permanent deletion of all tradelines associated with this alleged debt from my XXXX  credit file Written confirmation of deletion from National Credit Systems and XXXX  Issuance of a certified check in the amount of {$5000.00} payable to me, as full settlement of these claims A binding written assurance that no future reinsertion of this account will occur under any name, affiliate, or account number IV. DEADLINE TO COMPLY If you do not respond with full resolution within 15 calendar days of receipt of this letter, I will immediately : File a lawsuit in Georgia XXXX XXXX for all available statutory, actual, and punitive damages File formal complaints with the CFPB, FTC, and Georgia Attorney General Publicly document and report your misconduct to consumer protection agencies and legal media outlets This is your final notice prior to legal escalation.

Company response to consumer: Closed with explanation