Formal complaint regarding unauthorised debt review listing, misrepresentation, and failure of the NCR to act

Complaint Summary: Unauthorised Debt Review & Failure by NCR to Respond In August 2025, I was ********ly and without my consent placed under debt review by a debt solutions company. I never app**** for debt review, or required it, as I have always managed my finances responsibly. I lodged a formal complaint with the NCR on 08/09/2025, but to date I have received no response or feedback. In January 2026, I was contacted again by a company claiming to act on behalf of the NCR, stating there was a “red flag” on my name. They refused to identify themselves and denied it was debt review. After contacting the NCR, I discovered it was the same company that originally placed me under debt review. I was informed that NCR systems were offline and that I could not submit a second complaint until the first was resolved. To date, this matter remains unresolved, and my credit profile still reflects a debt review history, creating the false impression that I was financially distressed, which is untrue. This has caused ongoing prejudice to my credit record. I request:

Immediate and complete removal of the debt review listing from all credit bureaus, with no historical “cancelled” record. A written confirmation that the listing was invalid. Investigation of the debt solutions company for misrepresentation and unauthorised debt review placement. A formal written response from the NCR.

This situation was not my fault, and the prolonged lack of response undermines consumer protection.