Consumer complaint received 2022-06-26
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XX/XX/2022 NATIONAL CREDIT SYSTEM XXXX Naturally XXXX XXXX XXXX, Ga, XXXX Re : XXXX Dear NATIONAL CREDIT SYSTEM FAIR DEBT COLLECTIONS PRACTICES ACT ; NOTICE OF DISPUTE OF DEBT This is a request for VALIDATION submitted pursuant to the above-mentioned Title and Section, not for " verification '' or evidence of my mailing address. I respectfully request that your offices supply me with competent evidence that I am obligated to pay you under Federal law.

You have received this NOTICE in compliance with the Fair Debt Collection Practices Act, 15 USC 1692g Under the FDCPA, I have the legal right to demand proof of the alleged debt NATIONAL CREDIT SYSTEM claim is owed to NATIONAL CREDIT SYSTEM. I'm demanding evidence that I am the party you're asking to pay this debt, and that I am obligated by some contractual responsibility to pay this amount.

Why NATIONAL CREDIT SYSTEM thinks I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred.

When NATIONAL CREDIT SYSTEM identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. 

Can NATIONAL CREDIT SYSTEMS provide a copy of the written agreement that created my original requirement to pay? 

If NATIONAL CREDIT SYSTEM is asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due Have NATIONAL CREDIT SYTEM made a determination that this debt is within the statute of limitations applicable to it? Tell me when NATIONAL CREDIT SYSTEM think the statute of limitations expires for this debt, and how NATIONAL CREDIT SYSTEM determined that.

Details about NATIONAL CREDIT SYSTEM authority to collect this debt.

Does NATIONAL CREDIT SYSTEM firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If NATIONAL CREDIT SYSTEM is contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 


I have asked for this information because I have some questions. I need to hear from NATIONAL CREDIT SYSTEM to make an informed decision about NATION CREDIT SYSTEM claim that I owe this debt. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.

Thank you for your cooperation. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation