Consumer complaint received 2022-09-10
Company: National Collection Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am today submitting a complaint as XXXX XXXX XXXX  and NTL CREDIT MGMT violated the FCRA by attempting to collect unvalidated debt in the amount of {$5000.00} and reporting falsehoods to the credit reporting agencies. The credit reporting agencies, due to inadequate debt validation techniques, are reporting the debt and destroying my reputation and ability to maintain credit and employment. 

Here are the details of the matter, as submitted to the CRAs : Regarding the collection account reported by NTL CREDIT MGMT, I provide this note with additional clarification of the matter at hand. The original creditor was allegedly XXXX XXXX XXXX. I had previously disputed my balance with XXXX XXXX XXXX on various occasions. Nonetheless, the University continued to ignore my requests for account review. Instead, the organization used predatory credit reporting practices to force me into paying a balance that is NOT due and remains in dispute. By continuing to report this inaccurate debt, credit reporting agencies are quickly becoming accomplices of XXXX XXXX XXXX and NTL CREDIT MGMT in violation of the FCRA, 15 U.S. Code 1692. 

With this note to Consumer Financial Protection Bureau, as I also submitted to the CRAs, I am submitting further documentation validating that this account was in dispute with XXXX XXXX XXXX  and even confirmed via receipt by the original creditor on XX/XX/2022. 

This documentation ( See attached letter ) proves that in accordance with the FCRA, 15 U.S. Code 1692, the consumer notified the debt collector and the original creditor that I disputed the validity of the debt. At this point, the debt collector and original creditor are obligated under law to submit a valid investigation of this matter. At the conclusion of such an investigation, the consumer must be notified of the decision made regarding the investigation. Despite consumer notification in accordance with this section of the law, the debt collector continued and intensified debt collection efforts in violation of the Fair Credit Reporting Act and did not conduct nor provide evidence of conducting any investigation into the matter, even though XXXX acknowledged receipt of my complaint. 

The credit reporting agencies should conduct a fair investigation into the validity of this debt, which would reasonably include remarks from NTL CREDIT MGMT and XXXX XXXX XXXX regarding how they responded to my VALIDATED dispute of this debt. 

Upon inspection, any reasonable person investigating this matter shall conclude that despite the law-abiding consumer disputed debts ( as per section B of 15 U.S. Code 1692 and proof provided herewithin ), XXXX XXXX XXXX XXXX and NTL CREDIT MGMT became co-conspirators violating the Fair Credit Reporting Act. 

XXXX, XXXX, and XXXX expect their creditors to act with honesty and integrity when submitting a delinquent account to the company. 
Credit Reporting Agencies were never intended to be arbitrators of law, but rather should be used to report accurate late payments by consumers. In the case at hand, there is no validated debt to report. Nonetheless, because XXXX, XXXX, and XXXX take the approach of " guilty until proven innocent '', they weigh the word of the creditor over the word of the consumer in these matters. 

My complaint today is against XXXX XXXX XXXX ( as alleged original creditor ), NTL CREDIT MGMT as debt collector, and XXXX as CRA that failed to conduct a valid investigation into the matter. 

I look forward to learning about how you can assist me with this matter. 

Sincerely, XXXX XXXX XXXX

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