Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Statement of Facts and Regulatory Violations I am submitting this complaint against NATIONAL CREDIT SYSTEMS , INC. ( NCS ) for ongoing, unlawful furnishing of a purported rental collection account that is unvalidated, procedurally defective, and reported in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

NCS continues to report this alleged debt to consumer reporting agencies despite the absence of any recent, lawful, or documented collection activity, and despite failing to satisfy its statutory obligations to validate and accurately substantiate the account.

Violation of 15 U.S.C. 1692g Failure to Provide Required Validation Under 15 U.S.C. 1692g, a debt collector must provide a clear and complete validation notice and, upon dispute, must cease collection activity until verification of the debt is provided.

NCS has failed to provide competent validation of this alleged rental debt, including but not limited to : A copy of the original lease or agreement creating liability An itemized accounting of the alleged balance Proof that NCS has authority to collect on behalf of the alleged creditor Documentation establishing that the amount claimed is accurate and legally owed Absent such validation, any continued collection activity is statutorily prohibited. Furnishing negative credit information constitutes collection activity as a matter of law, and therefore NCSs continued reporting is a direct violation of 1692g.

Violation of 15 U.S.C. 1692c Prohibited and Improper Collection Communications Under 15 U.S.C. 1692c, debt collectors are restricted from engaging in improper communications in connection with the collection of a debt.

NCSs conductcontinuing to communicate alleged debt information to consumer reporting agencies while failing to lawfully communicate with or validate the debt to the consumerconstitutes an improper and abusive collection practice. Credit reporting is widely recognized as a powerful indirect collection mechanism, and using it in lieu of lawful communication and validation is inconsistent with 1692c and the intent of the FDCPA.

Violation of 15 U.S.C. 1681e ( b ) Failure to Maintain Reasonable Procedures to Assure Maximum Possible Accuracy NCS is furnishing information regarding this alleged rental debt without maintaining or applying reasonable procedures to ensure maximum possible accuracy, in direct violation of 15 U.S.C. 1681e ( b ).

Because : The debt has not been validated The balance is unsupported by documentary evidence Liability has not been established No recent collection activity substantiates the account The information being furnished is inherently unreliable, unverifiable, and legally inaccurate. Reporting an unvalidated debt is per se evidence of unreasonable procedures under the FCRA.

Continuing Harm and Consumer Impact NCSs unlawful conduct has resulted in : Ongoing damage to my credit profile Impaired ability to obtain housing and credit Reputational and financial harm This harm is entirely preventable and persists solely due to NCSs refusal to comply with federal law.

Conclusion NCS has failed to meet its statutory obligations under 15 U.S.C. 1692c, 1692g, and 1681e ( b ). Continued reporting under these circumstances is unlawful, exposes consumers to ongoing harm, and warrants immediate corrective action, including deletion of the tradeline.

Company response to consumer: Closed with explanation