Consumer complaint received 2017-01-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Previous dispute : XXXX This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. By law this info requested is to be sent within 5 days notice is received via certified mail. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in continuing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and/or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, my attorneys and I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my managing attorney to continue in filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fails to respond to this validation request within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for XXXX XXXX XXXX, XXXX in case legal action becomes necessary. The claim ( in accordance to FDCPA and FCRA laws ) can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information. The law in regards to this matter are not negotiable. I am invoking my consumer rights. Any attempt to circumvent the request made herein is a violation of my consumer rights. Law states if the request can not be completed, it must be removed immediately. My attorneys and I await your timely response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation