Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NATIONAL CREDIT SYST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : **Dispute Regarding Violations of Rights by National Credit Systems** Dear NATIONAL CREDIT SYSTEMS , I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) of my concerns regarding the actions of National Credit Systems, Inc. ( NCS ) , which I are in violation of several federal regulations. Specifically, I allege that NCS has violated my rights under the following provisions : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** This regulation mandates that a debt collector must disclose certain information when making an initial communication or subsequent communication with a consumer. I believe NCS has failed to provide such disclosures in the appropriate manner or timeframe as required by law.

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** This section of the regulation requires debt collectors to ensure that any communication about a debt is clear, concise, and does not mislead the consumer. NCS has communicated with me in a manner that is either misleading or insufficiently clear, which I believe violates the regulation.

3. **12 CFR 1006.34 ( d ) ** Under this provision, debt collectors must maintain records of communications with consumers. NCS has failed to provide adequate evidence of communication or to verify that the required documentation exists to substantiate their claims regarding the debt in question.

4. **15 USC 1681s-2 ( a ) ( 7 ) ( A ) ** Under the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are prohibited from reporting inaccurate or incomplete information to credit reporting agencies. NCS has reported information to credit bureaus that I believe is inaccurate, unverifiable, or incomplete, causing harm to my credit report and score.

I have attempted to resolve this matter directly with National Credit Systems, but I have not received a satisfactory response. Given these violations, I am requesting that the CFPB investigate this matter thoroughly and take appropriate action to enforce my rights under these laws.

Attached, please find copies of my communication with National Credit Systems, along with any supporting documentation related to my claims. I respectfully ask that the CFPB assist me in ensuring that these violations are addressed, and that any harm to my credit history be rectified. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.

I respectfully request that the CFPB investigate the actions of **National Credit Systems , Inc.** and take appropriate enforcement actions to address these violations of federal law. I am enclosing copies of relevant documentation, including correspondence with the agency and my credit report, to support my claims.

Collection agency did not provide validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

Collection agency did not provide me the opportunity to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means.

Collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I'm formally disputing owning any and all debts alleged by National Credit Systems , Inc . I'm formally revoking all rights to communicate with me through email/texts/calls. 

I'm formally requesting debt validation and the purchase agreement between National Credit Systems , Inc. and the original creditor.

I'm also formally requesting proof that National Credit Systems , Inc. is licensed and bonded. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation