Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am requesting supervisory review of my dispute regarding the rental collection account being reported by National Credit Systems ( NCS ) and XXXX. My previous complaint was closed after NCS submitted the same incomplete and unsigned documentation that I have already disputed as inaccurate. Their response does not satisfy the Fair Credit Reporting Act ( FCRA ) or Fair Debt Collection Practices Act ( FDCPA ) requirements for verification. 

NCS continues to report this debt using only : An unsigned move-out report with an incorrect date A 5-day notice I never received or saw posted Internal charges and an old lease from XXXX that does not verify occupancy in XXXX These documents do not prove the amount owed and do not verify that I occupied the apartment after XX/XX/XXXX. 

I have already submitted : Time-stamped photo and video evidence of returning the keys on XX/XX/XXXX Move-out evidence showing I vacated on XX/XX/XXXXXXXX XXXX contract showing move-out on XX/XX/XXXX Communication with the property manager NCSs own unsigned documentation LEGAL VIOLATIONS FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate or unverifiable information.

FCRA 611 ( a ) ( 1 ) ( A ) CRAs must conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 5 ) ( A ) If a furnisher can not verify the information, the CRA must delete it.

FCRA 1681e ( b ) CRAs must ensure maximum possible accuracy.

FDCPA 809 ( b ) A collector may not continue reporting a debt without providing proper verification. 
NCS failed to provide ANY verification required under these statutes.

NCSs repeated use of the same unsigned documentswithout providing any signed move-out paperwork or actual proof of occupancy past XXXXdemonstrates a failure to conduct a reasonable investigation under FCRA 623 ( b ). 

WHY THIS IS AN ESCALATION I am requesting supervisory review because : NCSs previous response was non-compliant.

XXXX  continued reporting the account despite receiving evidence contradicting the furnishers unsourced dates. 
The documents NCS provided do NOT verify liability and do NOT meet the legal definition of verification.

Continued reporting is causing harm and is legally considered inaccurate and unverifiable. 

This is NCS response with the same 2 documents ( signed lease from XX/XX/XXXX and unsigned move out report with the incorrect date : 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 NCS. XXXX XXXX has disputed her debt, and NCS has submitted her 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 her claim ( s ), please have her provide the documents to NCS for further investigation and action if appropriate. 
PLEASE REVIEW THEIR UNSIGNED DOCUMENTS AND MY TIMESTAMPED PHOTOS. IT EVEN INCLUDES THE LOCATION

Company response to consumer: Closed with explanation