Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I submitted the following letter in my initial dispute. Refer to the 2nd dispute. I will submit a full detail of the initial dispute and the Statement of Disputd, Follow-Up Request for Immediate Removal of Alleged Debt, Response to XXXX 's Investigation Results, and Summary of the Dispute with documentation and evidence that proves I do not owe the alleged debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX  consumer report. 
Dispute 1 : Original Creditor - XXXX XXXX XXXXXXXX XXXX Insurance Account # XXXX Date Opened : XX/XX/XXXX Past Due as of XX/XX/XXXX Status Update XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Subject : Dispute of Alleged Auto Insurance Debt Unsigned and Unenforceable Contract Dear XXXX, I am writing to formally dispute an inaccurate item appearing on my credit report. This item pertains to an alleged auto insurance debt reported by the original creditor, XXXX XXXX XXXX XXXX, and collection agency XXXX XXXX XXXX. Based on my understanding of Texas law, this alleged debt is invalid for the following reasons : XXXX. Lack of Mutual Assent : I did not sign the XXXXXXXX XXXX XXXX XXXX  Contract by hand or electronically assume acceptance and/or liability to pay premiums to XXXX XXXX  XXXX XXXX XXXX nor did I agree to its terms in writing, electronically, or verbally. 
XXXX. No Evidence of Acceptance : I have not made any payments, used any insurance coverage, or taken any actions that could imply acceptance of the alleged contract.

3. Violation of the Texas Insurance Code : Under the Texas Insurance Code, insurers must have proper documentation and obtain consumer consent for contracts. No such documentation or consent exists in this case. 
XXXX. Potential Deceptive Trade Practices : Reporting an alleged debt to credit bureaus without evidence of a valid and enforceable contract constitutes a violation of the Texas Deceptive Trade Practices Act ( DTPA ), which prohibits deceptive and unfair practices. 
XXXX. No Consideration or Performance : Without any exchange of values such as a premium payment or provision of coverage, the alleged contract lacks consideration, rendering it unenforceable under Texas law. 
XXXX. Unjust Enrichment : If the insurer is seeking payment without providing coverage or without a valid agreement, they may be engaging in unjust enrichment, which Texas courts do not permit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Specifically, I request the following : XXXX. Verify the validity of the alleged debt. 
XXXX. Remove the disputed item from my credit report immediately after reviewing the enclosed evidence. 
Enclosed are copies of the following : My identification documents, e.g., Texas Drivers License- proof of previous address, Proof of current address-Voters Registration Card, My Experian credit report with the disputed items Exhibit " E '', and Evidence Table : Proof that XXXX XXXX XXXX Does Not Owe XXXX XXXX XXXX XXXXXXXX including Exhibits `` A to D ''. 
If the creditor can not provide sufficient evidence of a valid contract, I reserve the right to file complaints with the Texas Department of Insurance ( TDI ), Consumer Financial Protection Bureau ( CFPB ), and Federal Trade Commission ( FTC ), and pursue legal remedies under the DTPA. 
Thank you for your attention to this matter. I look forward to receiving written confirmation of your investigations findings. 

Dispute XXXX : I am writing to dispute the following information that appears on my XXXX consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Eviction Reporting on Credit Report Dear XXXX, I am writing to formally dispute inaccurate entries on my credit report. The inaccurate entries are related to an eviction filed by XXXX XXXX  and are listed as follows : This entry is inaccurate for the following reasons : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX  filed an eviction on XX/XX/XXXX, based on the inaccurate posting of rental payments on Resident, XXXX XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX  misappropriated government funding paid on behalf of the residence, XXXX XXXX XXXX behalf. 
XXXX. The alleged debt associated with this eviction was fully paid by Texas Rent Relief before the eviction was filed. 

I have included documentation to support my dispute, including : Documentation to prove that XXXX XXXX XXXX does not owe XXXX XXXX or XXXX XXXX XXXX, XXXX rental payments Exhibit " XXXX  ''. 
Inaccurate XXXX XXXX ( XXXX ) showing inaccurate rental payments. 
Accurate Resident Ledger - Exhibit " XXXX  ''.

o Resident Ledger with Exhibits " XXXX  '' through Exhibits " XXXX ''. 
Proof of rental payments submitted by XXXX XXXX XXXX, Texas Rent Relief, Churches, and other government agencies.

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and ensure the accuracy of the information on my credit report. I kindly request that you : XXXX. Investigate this matter and review all evidence submitted to XXXX. 
XXXX. Remove the alleged eviction debt from my credit report. 
XXXX. Provide a written response with the results of your investigation. 
Please find attached copies of the supporting documentation for your review. Since I have encountered harm concerning this inaccurate information, ( e.g., a Denial letter I expect to hear from you regarding this matter as soon as possible. 
Thank you for your prompt attention to this issue. I look forward to resolving this matter as quickly as possible. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation