Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12568456
Complaint Overview
Complaint ID: 12568456
Company: National Credit Systems,INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Illinois
ZIP Code: 604XX
Date Received: 2025-03-19T12:00:00-05:00
Date Sent to Company: 2025-03-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Formal Complaint Against National Credit System for Debt Collection Violations Dear Consumer Financial Protection Bureau, I am filing a formal complaint against National Credit System, located in XXXX, GA, regarding their unlawful collection practices related to an alleged debt they claim I owe. Complaint Details : Debt Collector : National Credit System Account Number : XXXX Original Creditor : XXXX XXXX XXXX Amount in Dispute : {$11000.00} Date Opened : XX/XX/year> Status : Collection account Violations and Concerns : Failure to Validate the Debt I formally requested debt validation under 15 USC 1692g ( Fair Debt Collection Practices Act - FDCPA ), demanding proof of the alleged debt, a detailed payment history, and a copy of the original contract with my signature. National Credit System has failed to provide the requested documentation, yet continues to pursue collection activities. Potential Unauthorized Collection The company has not provided a chain of title proving their legal authority to collect this debt. They have also failed to disclose whether an insurance claim has been filed or paid on this account, which may invalidate the collection attempt. Continued Collection Activity During Dispute Despite disputing the debt and requesting validation, National Credit System has continued to report the account negatively to credit bureaus and has not ceased collection activities, which is a violation of the FDCPA. Potential Violation of the Fair Credit Reporting Act ( FCRA ) The account remains on my credit report with a disputed status, but the company has not properly investigated or updated its reporting. Requested Resolution : I request the CFPB to take immediate action against National Credit System and require them to : Provide full validation of the debt, including a detailed payment history, chain of title, and original signed contract. Cease all collection activities and remove the account from my credit reports if they can not validate the debt. Investigate their potential violations of 15 USC 1692g ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Impose appropriate penalties if they are found to be in violation of consumer protection laws.
Frequently Asked Questions
What is Complaint #12568456 about?
Complaint #12568456 was filed against National Credit Systems,INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-03-19T12:00:00-05:00.
How did National Credit Systems,INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against National Credit Systems,INC.?
Yes, visit the National Credit Systems,INC. company profile at readthecomplaint.com/company/national-credit-systems-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.