Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
National Credit Systems , Inc . 
XXXX XXXX XXXXXXXX XXXX, GA XXXX Contacted XXXX XXXX XXXX  by certified letter on XX/XX/XXXX stating to confirm the amount of the debt owed and the original creditor. I did not authorize the debt owed to XXXX to be sold to a debt collector or another creditor. 

Received a response that did not verify the correct original creditor or the correct amount owed. 

XXXX XXXX XXXX XXXX by certified letter on XX/XX/XXXX stating I did not owe a debt to XXXX XXXX XXXX or XXXX XXXX as the original creditor is XXXX. XXXX stated : I am writing in response to a collection account listed under my credit report and a recent communication from your agency dated XX/XX/XXXX regarding an alleged debt for {$13000.00}. 

Please be advised that I dispute the validity of this debt, as XXXX XXXX XXXX XXXX and XXXX XXXX are not the original creditor and I have no contractual agreement with XXXX XXXX XXXX or XXXX XXXX. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am formally notifying you of the following : XXXXXXXX XXXX XXXX Validation of thXXXX XXXX XXXX XXXX  Your organization failed to provide evidence of the original creditor, XXXX, within the required 30 days from my original notification on XX/XX/XXXX, AND prove that the debt is still within the statue of limitations. 

XXXXXXXX XXXX XXXX Immediate Cease of Collection Activity XXXX XXXX  You must cease all collection efforts and communication with me, including phone calls and written contact as you have failed to validate the debt. 

XXXX. XXXX XXXX Removal from Credit Report XXXX XXXX As this debt has failed to be validated in the required XXXX time frame by the original creditor and I do not acknowledge its legitimacy ; you must notify all the credit reporting agencies for the debt to be removed immediately. Reporting unverifiable and/or disputed information is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. In Virginia, the Statute of Limitations for the back rent owed to XXXX is XXXX years from the date the cause of action accrues. The final balance settlement notice ( previously attached ) was sent on XX/XX/XXXX by XXXX XXXX, XXXX. Therefore, as of XX/XX/XXXX, this debt is no longer eligible for collection. It is illegal to continue to pursue collection of this debt under Code of XXXX XXXX XXXX XXXX. 

XXXX. Due to the failure to respond within the required XXXX time frame and illegal continuous reporting of this debt without proper verification, I have filed a complaint with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and the appropriate state Attorney Generals office. 

Please confirm you have ceased all collection activity and have removed this account from any credit reporting immediately due to failure to validate this debt of the original creditor, XXXX, AND for failure to respond within the XXXX time frame AND failure to prove that the debt is still within the statue of limitations in Virginia.

Company response to consumer: Closed with explanation