Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

On XX/XX/XXXX XXXX I sent an urgent letter as a response to XXXX XXXX who is a collection representative for National Credit Systems. The letter was sent via certified mail. The letter sent reads as follows. 


Urgent Demand for Comprehensive Debt Validation, Account Information, Attorney Details, and License Information Dear XXXX XXXX, I am writing to address the matter of the alleged debt associated with the account numbers mentioned in your recent communication dated XX/XX/year>. While I have received your documentation, I find it necessary to seek further clarification to fully understand the legitimacy of this debt. 

To ensure a thorough understanding, I am requesting the following information : 1.Debt Validation : - A comprehensive and itemized breakdown of the debt amount mentioned in your letter, providing a clear delineation of principal, interest, and any additional charges.

2.Proof of Ownership : - Concrete evidence establishing National Credit Systems , Inc. 's ownership of this debt. This must include the original, signed contract or agreement between National Credit Systems , Inc. and The Retreat Apts. 

3.Account Information : - Details on how this debt amount aligns with the terms of the original agreement. What justifies the current balance of {$2700.00}?

4.Contract and Policies : - A copy of the contract or agreement we signed with The Retreat Apts, including any policies governing debt collection. 

5.Statute of Limitations : - Confirmation of the current status of limitations on this debt in accordance with applicable laws. 

6. Witnesses : - Information regarding any witnesses involved in the creation, verification, or transfer of this debt.

7. Legal Procedures : - A clear outline of the legal procedures National Credit Systems , Inc. follows in pursuing and collecting debts.

8. Impact on Credit Reports : - Acknowledge that this debt is severely negatively impacting both my credit report and my wife 's credit report ( XXXX XXXX ). Specify how National Credit Systems , Inc. intends to address and rectify this impact. 

9. Proof of Ownership Transfer : - Provide documented proof demonstrating the transfer of ownership of this account, including the date and time, the amount paid for the account, and the legal authorization to collect the debt.

10. Authorization to Collect Personal Information : - Proof demonstrating that the contract we signed with the original creditor grants them the authority to sell our personal information to National Credit Systems , Inc .

11. Attorney Involvement : - If an attorney has reviewed or is involved in this collection account, provide the following details : - Attorney 's full name. 
- Attorney 's address. 
- Attorney 's bar association information. 
- Date and time of the attorney 's involvement. 
- Any responses or communications received from the attorney. 

12. License Information : - National Credit Systems , Inc. 's license number and legal authorization to operate in the state of Texas.

I expect your prompt attention to this matter. Please provide the requested information within 15 days of receiving this letter. Failure to comply may result in legal actions to protect my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations. 


*** Despite my attempts to understand the nature of this account showing in my personal credit report National Credit Systems has failed to respond to any of the questions *** They have not responded within the 15 days of receiving our letter which shows to be delivered to their XXXX XXXX XXXX Is now a month a still no response.