Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #17892195
Complaint Overview
Complaint ID: 17892195
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: Maryland
ZIP Code: 21221
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Cites 15 U.S.C. 1681s-2 ( FCRA Furnisher Duties ) XXXX, XXXX, XXXX The furnisher in question has failed to meet their obligations under 15 U.S.C. 1681s-2 ( a ), which prohibits the reporting of information that is inaccurate, incomplete, or can not be verified. Additionally, after receiving notice of my dispute, the furnisher was required under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation, review all relevant information I submitted, and correct or delete the information if it could not be verified. Despite these statutory obligations, the account continues to be reported inaccurately and without proper verification. I am requesting the CFPBs assistance in ensuring that the furnisher performs a lawful investigation and updates, corrects, or removes the disputed information as required by federal law. Cites 15 U.S.C. 1692g ( b ) ( FDCPA Validation Requirements ) The debt collector associated with this matter has failed to comply with 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act. I submitted a timely written request for validation, which legally requires the collector to : Cease all collection activity until verification of the debt is provided, and Provide proper documentation establishing the validity and ownership of the alleged debt. The collector has either continued collection efforts without providing validation or has provided insufficient documentation that does not satisfy the statutory requirements. This conduct violates the FDCPA, and I request CFPB review and corrective enforcement.
Frequently Asked Questions
What is Complaint #17892195 about?
Complaint #17892195 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 2025-11-29T12:00:00-05:00.
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.