Consumer complaint received 2021-10-16
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is completely unprofessional and incompetent. The original complaint I filed with the CFPB was complaint number XXXX. I attached a letter with that complaint and also here again that I was clearly talking about XXXX XXXX which they cleverly returned to XXXX XXXX. Despite the fact they returned the debt XXXX XXXX XXXX, I still never received a initial letter.I learned of them having the debt through rentgrow after being denied and have attached a screenshot of them reporting that debt to rentgrow. Note they clamed as seen on the rentgrow screenshot that I have included here the XXXX XXXX account was placed with them on XXXX XXXX However on the same screenshot, the date I requested the report from XXXX was XX/XX/2021. That is not even 30 days that they ( national credit ) got this debt and already started reporting to rentgrow. I never received any notice of this debt being placed with them. I clearly in my original complaint wanted proof of my initial letter that was never sent and validation the debt which they also never sent. So they replied to the original complaint I made with a ledger from a different apartment complex, XXXX XXXX and attached ledgers of what I supposedly owe to the XXXX XXXX. XXXX XXXX  are not affiliated with XXXX XXXX or the wells apartment which my original complaint was about. I learned that they had that new debt through here! So they feel because they sent the XXXX XXXX account back, they could avoid breaking the law but they cant. They still broke the law. There response to the complaint above is so clear of that. They violated my rights again because I did not get an initial letter for XXXX XXXX  as well. I didn't get to dispute the XXXX XXXX  myself as my complaint was about XXXX XXXX, which you can clearly see. Now you on my credit report as the XXXX XXXX one they have now ( they got that one after they sent the XXXX XXXX XXXX back ) says I dispute this account but I didn't .I never made a dispute for that account yet as I never received an initial notice or right to dispute for that one either. They have a clear sloppy pattern of ignoring the FDCPA laws. See screenshots .Next they claim on the XXXX XXXX report they are reporting that they got that account as well on XXXX XXXX ( ironic ) but didn't start reporting it on my credit ( still never sent my initial letter ever ) until XXXX XXXX. See those screenshots as well. They took my actual right to dispute the validity of this or the prior debt they had for XXXX XXXX away from me. I want them to acknowledge as seen here in the proof they had the XXXX XXXX account and not the XXXX XXXX  account on XXXX XXXXI want proof either way especially if they deny that fact. I want proof they never sent any initial notices and as seen to my prior complaint they gave me proof of the new debt which I never requested yet, and skipped giving me proof of the XXXX XXXX debt and producing that initial letter they never sent. Along with explaining how they just had got that account XXXX XXXX and had already reporting to rent grow. They caused me to get denied for that apartment. Me and my kids. I am in a place now I cant even afford because they violated my rights. Also when they gave the XXXX XXXX debt account back XXXX XXXX  XXXX got they debt and started reporting as well by their coward move. Also when I was calling about the XXXX XXXX debt which is the only debt I had known about once I was denied for the apartment and discovered on the Rentgrow report. They never picked up phone calls or gave any answers. They were and still are shady. I have attached the initial letter I gave them through my original complaint on the cfpb, there email address and the XXXX  complaint I made. I also have the XXXX  complaint I made and all they gave me was a generic shady response. They asked me to contact them through email which is what I did and I NEVER got an answer. This is the only forum they replied to. Understand even if you send this debt back. I am putting you and XXXX XXXX on notice to preserve all evidence including but not limited to all phone calls received and going out in regards to my complaints addressed here even if not involving me in the conversations, letters in regards to these complaints, emails. The point is you are being sued 2 times because these were two different accounts. You took a sneaky approach and tried to avoid the XXXX XXXX concerns and sent it back to get the XXXX XXXX account. NOTE : I WILL ONLY ACCEPT A RESPONSE FROM YOUR LAWYER.ONLY YOUR LAWYER. DO NOT HAVE YOUR COMPLIANCE TEAM RESPOND HERE. I AM DEMANDING YOU PAY THIS DEBT EVEN THOUGH IT IS DISPUTED AND I DO NOT OWE IT. AND PAY ME {$7500.00} TO SETTLE BOTH VIOLATIONS WITHIN 10 DAYS AFTER YOU RECIEVE THIS LETTER.I EXPECT A REPONSE THROUGH THIS FORUM BUT YOUR LAWYER MAY REACH ME THROUGH EMAIL TO DISCUSS A SETTLEMENT.

Company response to consumer: Closed with explanation