Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint regarding a fraudulent apartment debt that is currently being reported on my consumer credit report by a third-party collection agency. This account does not belong to me, and I did not authorize, sign, or enter into any lease agreement associated with this alleged obligation. 

This debt is the result of identity theft. I am including a copy of my IdentityTheft.gov report as supporting documentation pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to block the reporting of information resulting from identity theft upon receipt of a valid identity theft report.

The continued reporting and collection of this account violates multiple federal consumer protection laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

* 15 U.S.C. 1681e ( b ) requires maximum possible accuracy in reporting. Reporting a fraudulent account violates this provision.

* 15 U.S.C. 1681i ( a ) requires a reasonable reinvestigation of disputed information.

* 15 U.S.C. 1681b ( a ) limits access to a consumers credit report to entities with a permissible purpose. This third-party collection agency did not have my written authorization or permissible purpose to obtain my private financial and credit information.

* 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a proper investigation and delete unverifiable information.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

* 15 U.S.C. 1692e prohibits false, deceptive, or misleading representations in connection with debt collection.

* 15 U.S.C. 1692f prohibits unfair or unconscionable means to collect a debt.

* 15 U.S.C. 1692g ( b ) requires a debt collector to cease collection activities until verification is provided once a debt is disputed.

* Under 15 U.S.C. 1692k, statutory damages of up to {$1000.00} per violation may be recovered for noncompliance.

This third-party collection agency was never given written authorization or permission to access, obtain, or use my private financial or credit information. There is no signed lease agreement, contract, or legally binding document bearing my signature that establishes liability. Their access and reporting of this information without authorization constitutes an impermissible purpose under 15 U.S.C. 1681b and a violation of my privacy rights under federal consumer law. 

Because I have provided an Identity Theft Report and formally disputed this account, I am demanding : Immediate deletion of this fraudulent account from all consumer reporting agencies Written confirmation of deletion Documentation of the method of verification, including a signed lease agreement and proof of authorization If this account is not deleted within XXXX ( XXXX ) days of receipt of this complaint, I will pursue all available remedies under federal law, including statutory damages of {$1000.00} per violation pursuant to 15 U.S.C. 1692k, as well as claims for willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o.

The continued reporting of fraudulent information is causing substantial harm to my financial standing and ability to obtain housing and credit. I expect immediate corrective action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation