Debt collection -- False statements or representation -- Complaint #19018097

Complaint Overview

Complaint ID: 19018097

Company: National Credit Systems,INC.

Product: Debt collection

Sub-Product: I do not know

Issue: False statements or representation

Sub-Issue: Attempted to collect wrong amount

State: Nevada

ZIP Code: 89131

Date Received: 2025-12-02T12:00:00-05:00

Date Sent to Company: 2026-01-26T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

NATIONAL CREDIT SYSTEMS Re : CEASE & DESIST Demand for Deletion of Unlawful, Inaccurate, and Non-Compliant Reporting Account/Reference Number : XXXXXXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal Cease & Desist notice and demand for immediate investigation and permanent deletion of all information your company is reporting or furnishing concerning the above-referenced account. Your actions constitute violations of multiple federal laws, consumer protection statutes, and industry-mandated reporting standards. 1. Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, you are required to report complete, accurate, and verifiable information : 15 U.S.C. 1681s-2 ( a ) Duty of furnishers to provide accurate information 15 U.S.C. 1681i Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Reporting must be accurate and up to date 15 U.S.C. 1681b Permissible purpose required for obtaining/using consumer reports Your reporting and collection attempts lack verifiable proof of : My signed consumer credit contract, Evidence of lawful assignment, Proof of ownership of the alleged debt, Proper validation, as required under FCRA and the FDCPA. Failure to maintain accurate, verified information and failure to correct errors constitutes willful noncompliance. 2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) If you are a collection agency or acting as one, the following apply : 15 U.S.C. 1692g ( b ) Required debt validation not provided 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692c ( c ) Cease communication upon written notice 15 U.S.C. 1692f Unfair or unconscionable practices You are hereby instructed to cease all collection activity, including phone calls, letters, emails, or third-party contact. 3. Violations of the Truth in Lending Act ( TILA ) Under TILA : All consumer credit must be supported by proper disclosures, A legally binding contract with required signatures, Clear identification of the creditor, terms, and finance charges. Because you have not provided any contractual proof or original creditor disclosures, you are in violation of TILAs disclosure and verification requirements. 4. Violations of the U.S. Code & Federal Privacy Protections Your company is in violation of : 15 U.S.C. 68016809 ( GLBA ) Safeguarding of consumer information Violation of privacy through unauthorized sharing or reporting Lack of permissible purpose under FCRA 1681b If you can not prove contractual consent, you are unlawfully accessing, storing, or transmitting my personal information. 5. Violations of XXXX XXXX Compliance Requirements As a data furnisher, you must comply with the XXXX XXXX XXXX Reporting Standards, including : Accurate account status coding Consistent reporting across all bureaus Proper date of first delinquency ( DOFD ) No re-aging No duplicate, misleading, or contradictory reporting Full documentation for any information furnished Your current reporting reflects non-compliance, inaccuracies, and unverifiable data, requiring mandatory deletion. DEMANDS You are required to : 1. Immediately CEASE & DESIST all communications with me. This includes calls, letters, emails, texts, and third-party contact. 2. Provide full validation and verification as required by federal law : Original signed contract or wet-ink agreement Complete payment history Proof of legal assignment or ownership All TILA-mandated disclosures Permissible purpose documentation XXXX XXXX compliance documentation XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : CEASE & DESIST Demand for Deletion of Unlawful, Inaccurate, and Non-Compliant Reporting Account/Reference Number : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal Cease & Desist notice and demand for immediate investigation and permanent deletion of all information your company is reporting or furnishing concerning the above-referenced account. Your actions constitute violations of multiple federal laws, consumer protection statutes, and industry-mandated reporting standards. 1. Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, you are required to report complete, accurate, and verifiable information : 15 U.S.C. 1681s-2 ( a ) Duty of furnishers to provide accurate information 15 U.S.C. 1681i Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Reporting must be accurate and up to date 15 U.S.C. 1681b Permissible purpose required for obtaining/using consumer reports Your reporting and collection attempts lack verifiable proof of : My signed consumer credit contract, Evidence of lawful assignment, Proof of ownership of the alleged debt, Proper validation, as required under FCRA and the FDCPA. Failure to maintain accurate, verified information and failure to correct errors constitutes willful noncompliance. 2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) If you are a collection agency or acting as one, the following apply : 15 U.S.C. 1692g ( b ) Required debt validation not provided 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692c ( c ) Cease communication upon written notice 15 U.S.C. 1692f Unfair or unconscionable practices You are hereby instructed to cease all collection activity, including phone calls, letters, emails, or third-party contact. 3. Violations of the Truth in Lending Act ( TILA ) Under TILA : All consumer credit must be supported by proper disclosures, A legally binding contract with required signatures, Clear identification of the creditor, terms, and finance charges. Because you have not provided any contractual proof or original creditor disclosures, you are in violation of TILAs disclosure and verification requirements. 4. Violations of the U.S. Code & Federal Privacy Pro tections Your company is in violation of : 15 U.S.C. 68016809 ( GLBA ) Safeguarding of consumer information Violation of privacy through unauthorized sh aring or reporting Lack of permissible purpose under FCRA 1681b If you can not prove contractual consent, you are unlawfully accessing, storing, or transmitting my personal information. 5. Violations of XXXX XXXX Compliance Requirements As a data furnisher, you must comply with the XXXX XXXX XXXX Reporting Standards, including : Accurate account status coding Consistent reporting across all bureaus Proper date of first delinquency ( DOFD ) No re-aging No duplicate, misleading, or contradictory reporting Full documentation for any information furnished Your current reporting reflects non-compliance, inaccuracies, and unverifiable data, requiring mandatory deletion. DEMANDS You are required to : 1. Immediately CEASE & DESIST all communications with me. This includes calls, letters, emails, texts, and third-party contact. 2. Provide full validation and verification as required by federal law : Original signed contract or wet-ink agreement Complete payment history Proof of legal assignment or ownership All TILA-mandated disclosures Permissible purpose documentation XXXX XXXX compliance documentation 3. DELETE the reporting from all credit bureaus ( XXXX XXXX XXXX ) If you can not provide full, verifiable proof, federal law requires deletion : FCRA 1681i unverifiable = must be deleted FCRA 1681s-2 inaccurate = must be corrected or deleted XXXX XXXX XXXX noncompliant data = must be deleted 4. Provide written confirmation of deletion within 10 days.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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