Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14090848
Complaint Overview
Complaint ID: 14090848
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: Texas
ZIP Code: 77396
Date Received: 2025-06-15T12:00:00-05:00
Date Sent to Company: 2025-06-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against National Credit Systems for willfully and unlawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority. Violations Committed : 1. Fait credit reporting act ( FCRA ) - 15 U.S.C. 1681i and 1681s-2 ( b ) The furnisher failed to conduct a reasonable investigation and continues to report unverifiable and misleading information. 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1629e The reporting of this eviction is deceptive, as no final judgement or public record proving I legally owe this debt has been provided. 3. Gramm-Leach Billey Act ( GLBA ) Privacy Violation The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under 6801. 4. No proof of ownership or assignment of debt, the furnisher has not presented a lease, judgement, or chain of assignment to prove standing. Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into this furnisher reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification. If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general, and pursue civil action for willful non-compliance and credit defamation under 15 U.S.C. 1681n.
Frequently Asked Questions
What is Complaint #14090848 about?
Complaint #14090848 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 2025-06-15T12:00:00-05:00.
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.