Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #13189897
Complaint Overview
Complaint ID: 13189897
Company: National Credit Systems,INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Alabama
ZIP Code: 366XX
Date Received: 2025-04-25T12:00:00-05:00
Date Sent to Company: 2025-04-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
[ XXXX XXXX ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Al XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] National Credit Systems , Inc . XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Notice of FCRA Violation Negligent Noncompliance ( 15 U.S.C. 1681o ) To Whom It May Concern : I am writing in regard to the account you are reporting under my name, which appears on my credit report. This letter serves as a formal dispute of the account and notice of negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o. I previously submitted a written dispute concerning the accuracy of the information you are reporting. Despite being notified, your company failed to conduct a reasonable investigation as required by the FCRA, and the inaccurate information continues to be reported. This constitutes negligent noncompliance with your statutory obligations. Under 15 U.S.C. 1681o, I may seek actual damages sustained as a result of your actions, along with costs of litigation and reasonable attorneys fees. I am providing you a final opportunity to correct this matter before seeking legal remedies. Please take the following actions within 15 days : Cease reporting this account to all credit reporting agencies. Provide written confirmation that the item has been deleted from my credit file. Provide documentation validating the alleged debt and your authority to collect or report it. Failure to respond appropriately will leave me no choice but to pursue legal action for negligent noncompliance under the FCRA. Sincerely, [ XXXX XXXX ]
Frequently Asked Questions
What is Complaint #13189897 about?
Complaint #13189897 was filed against National Credit Systems,INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-04-25T12:00:00-05:00.
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.