Consumer complaint received 2022-05-12
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
HOW CAN YOU SAY THIS IS A DUPLICATE COMPLAINT SINCE THIS COLLECTION COMPANY HAS NOT RESPONDED ME OR SEND ME ANYTHING IN THE MAIL THIS IS THE THIRD COMPLAINT AND NOONE HAS RESPONDED ANYTHING TO ME. 

There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I checked my credit report and you have willfully reported an unverified and disputable debt to the credit bureaus. which is a violation of the Fair Credit Reporting Act. I will state again in this certified complaint that you have failed to verify the debt, you have provided no proof of this alleged debt This is in response to the CFPB your company or CFPB department provided to me and the lack of validation pursuant 15 USC 1692g. Florida Office of Financial Regulations states that Per Federal law, every debt collector must send you a written validation notice telling you how much money you owe within five days after they first contact you. This notice must also include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money. ( ITS BEEN MORE THAN 6 Months AND I HAVE NOT RECEIVE ANYTHING FROM THIS DEBT COLLECTOR ) To whom may concern I contacted the Attorney General of Florida, I reported the fraud from your company with the FTC. If you default again I will contact the Office of Financial Regulations, file a police report due to Identity theft by your company and File a complaint with the XXXX XXXX XXXX Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act.

In my opinion you have violated at least three sections of this act by : a ) Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified CFPB complaint under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) ) You proceeded to say you validated the debt which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you failed to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified cfpb complaint I made online.

Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident. You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. You are conveying information regarding a debt to a third party company ( credit bureaus ) which is also another violation pursuant 15 USC 1692c ( b ).

Company response to consumer: Closed with explanation