Consumer complaint received 2026-01-12 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: PA

Complaint narrative:
I am filing this complaint against National Credit Systems , Inc. ( NCS ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) related to an alleged rental debt. 

I moved out of the apartment in XX/XX/XXXX. National Credit Systems began reporting this collection account to the credit bureaus in XX/XX/XXXX. I have disputed this account repeatedly with Equifax, Experian, and TransUnion since at least XXXX. Each bureau has responded that the account was verified '' and continued reporting the account. 

Despite years of disputes and ongoing credit reporting, National Credit Systems never sent me any collection notices, demand letters, or written communication of any kind regarding this alleged debt. I was never notified of the debt, never informed of my right to dispute, and never provided an itemized explanation of charges prior to credit reporting. 

At no point prior to credit reporting, during years of disputes, or in response to my written debt validation request did National Credit Systems provide any legally required notices or supporting records. I have never received an initial collection notice from National Credit Systems as required under 15 U.S.C. 1692g ( a ), including notice of the amount of the debt, the original creditor, or my right to dispute the debt, National Credit Systems has never produced proof that such a notice was sent, including a copy of any alleged notices, mailing dates and addresses, or delivery records. National Credit Systems has never produced any correspondence history, call logs, account notes, or records showing any attempt to communicate this debt to me prior to or during credit reporting. 

On XX/XX/XXXX, I sent a written debt validation request via certified letter to National Credit Systems. USPS tracking records show the letter was received on or about XX/XX/XXXX. National Credit Systems failed to respond to this request and continued reporting the account to all three credit bureaus. National Credit Systems withheld all documentation for more than XXXX months following receipt of my validation request. Documentation was not produced until XX/XX/XXXX, and only after Consumer Financial Protection Bureau involvement. National Credit Systems has continued to report this account as a collection account. Upon CFPB involvement, National Credit Systems only provided a lease and a move-out ledger. 

The absence of these validation records ( photos, proof that alleged damaages were not pre-existing, proof of timely required notices after move-out, move in inspection, etc. ) despite years of disputes and a written validation request, confirms that the records either do not exist or were never generated. National Credit Systems has also never produced documentation supporting lawful furnishing, including proof that the debt was communicated to me prior to reporting, FDCPA notice requirements were satisfied, and continued furnishing during an active validation request was permissible.

Company response to consumer: Closed with explanation