Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
* * * * * THIS IS CONGRUENT TO COMPLAINT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX You closed the complaint without proper resolve. Please have human eyes run across this complaint, they refuse to acknowledge they never properly notified me of the debt. The following is their response XXXX : National Credit Systems , Inc. is a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX XXXX Charges were not assessed by XXXX. The consumer has disputed their debt, and XXXX has submitted their dispute to the CRAs as required by law. The original creditor contends that the debt is in fact owed and has provided documentation supporting the charges they assessed. If the consumer has additional information supporting their claim ( s ), please have them provide the documents to XXXX for further investigation and action if appropriate. This account was placed in our office on XX/XX/year> under the stipulations of a business contract with the original creditor which is a private and confidential agreement. Furthermore, any agreements would be private matters not available for public viewing. * * * This doesn't respond to a single component of my complaint, the problem is being ignored. Reopen the complaint and there will be plenty of evidence to back my claims. * * * My response to XXXX : I am writing in response to your submission to the CFPB regarding the account referenced under XXXX XXXX XXXX. I want to make it explicitly clear : I am not disputing the validity of the debt itself. My dispute is solely based on the fact that I was never properly notified of this debt. I have raised this issue in four separate disputes, as well as in multiple debt validation requests, yet it continues to be ignored. To date, I have had to involve administrative agencies, including the CFPB, just to receive a boilerplate response asserting the debt is owed while failing to acknowledge or address the actual issue I have repeatedly raised : that I was never properly notified. The response does not provide the requested validation, nor does it explain why my repeated disputes have been ignored. I have written proof of all four prior disputes and corresponding communications documenting that these issues have been overlooked. I acknowledge that National Credit Systems , Inc. is a third-party collector and not the original creditor. However, it appears that after purchasing or taking assignment of the alleged debt, your office proceeded to report it to credit reporting agencies without fulfilling your lawful obligations to validate the account and ensure proper notice was provided. For context, my mailing address had remained the same for over 10 years. Given this, it appears that your office did not make any reasonable effort to properly notify me before reporting this debt. The first time I became aware of this account was when it appeared on my credit report. The timeline is as follows : I moved out of the apartment prior to the date that your records indicate any correspondence was sent. I never received any notice at my correct mailing address. Despite repeated requests for debt validation and clarification, your company has failed to provide any documentation addressing the lack of proper notification or the timeline of attempted contact. Given the repeated failures to comply with FDCPA requirements and the improper handling of my disputes, the only way I am willing to consider settlement is if your office agrees in writing to delete this account from all credit reporting agencies. I believe this is appropriate because your company failed to properly fulfill its obligations to validate the debt and ensure I was notified before reporting. I am formally requesting the following : A complete and detailed response to my repeated notifications that I was not properly notified of this debt. Formal documentation from the original creditor showing the method, dates, and addresses of any attempts to notify me. A written explanation as to why my dispute regarding lack of proper notification has been ignored four separate times, despite multiple submissions and requests for debt validation. Written confirmation that, should I settle this account under the condition outlined above, the account will be deleted from all credit reporting agencies. Until such documentation and confirmation are provided, I will pause further communication regarding this account, as continuing correspondence without proper validation or acknowledgment of my dispute would be unproductive. I expect your response to directly address the points outlined above before any further discussion or settlement can occur. Please treat this matter with the seriousness it warrants. I have kept detailed records of all correspondence and disputes, and I am ready to provide them if necessary to support my position. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX I'm requesting help, if you have any other questions contact me through the phone number on this account. A DEBT IS BEING WRONGFULLY REPORTED DUE TO NO NOTIFICATION.

Company response to consumer: Closed with explanation