Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing a formal complaint regarding my attempts to obtain information necessary to submit a debt validation request for an alleged debt listed on my credit report. The creditor listed on my credit profile is National Credit Systems. On XX/XX/year>, I contacted National Credit Systems directly to request a valid mailing address so that I could submit a written debt validation letter, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Instead of providing this information, I was referred to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, who I was told was handling the account. I then contacted the XXXX XXXX XXXX XXXX XXXX XXXX on XXXX separate occasions. During my first call, I requested a mailing or email address to send a debt validation request. The representative refused to provide any contact information unless I first provided personal identifying information. When I declined to provide sensitive information, the call was abruptly terminated. During my second call, which I recorded, I again clearly stated that I was not attempting to discuss account details, but only wanted a mailing or email address to submit a written request for debt validation. The representative asked for my Social Security number and stated they could not assist me or provide any address unless I provided identifying information. I questioned why this was necessary, as I was only requesting general contact information, not account-specific details. The representative continued to refuse to provide any mailing or email address and stated that they could not tell me where to send my request because they did not have my information. At XXXX point, the representative stated, I dont know why youre calling maam, despite my repeated explanation that I was attempting to submit a debt validation request. At no point during either call was I provided with any mailing address or email address to submit my request. As a result, I was effectively prevented from exercising my right to request validation of this alleged debt. I believe this conduct is improper and may violate the Fair Debt Collection Practices Act. Requiring sensitive personal information such as a Social Security number as a condition to obtain a basic mailing address creates an unreasonable barrier and raises concerns about unfair or deceptive practices. Additionally, refusing to provide any method of written communication interferes with my ability to exercise my rights under federal law. I have retained a recording of the second phone call, along with documentation of both interactions, and I am prepared to provide this evidence upon request. I respectfully request that this matter be investigated and that National Credit Systems and the XXXX XXXX XXXX XXXX XXXX XXXX be required to provide proper written validation of the alleged debt, along with accurate contact information so that I may correspond in writing.

Company response to consumer: Closed with explanation