Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
CFPB REBUTTAL National Credit Systems ( NCS ) Continues to Furnish Without Legal Authority This is my formal rebuttal to National Credit Systems response. NCS has failed to provide any legally required documentation demonstrating that they have authority to furnish, verify, or collect the alleged apartment debt reported on my consumer report.

1. NCS provided only original landlord documents that do NOT authorize them to report The documents NCS sent to the CFPB are : A lease agreement between XXXXYES Communities and the tenant ( dated XX/XX/year> ). 
Nowhere in this lease is there any clause authorizing the landlord OR any third-party collector to report rental information to consumer reporting agencies. 

XXXX A move-out comparison report showing alleged damages and charges. 
This document originates from the landlord, not NCS. 

XXXX A ledger showing monthly rent charges and payments created by the landlords internal system. 
The ledger contains NO reference to NCS and NO evidence of any transfer or assignment to NCS. 

XXXX None of the documents supplied prove that NCS has ANY ownership interest or authorization to furnish consumer credit information. 

2. NCS admits it is a third-party collector, but provided no servicing agreement NCS states : National Credit Systems , Inc. is a third-party debt collection agency collecting a debt on behalf of XXXX. 

If NCS is a servicer, they must provide a written servicing agreement expressly granting them the right to : furnish data verify ACDVs report to XXXX access consumer reports collect on behalf of Deerhurst NCS provided none of these documents.

3. NCS has no permissible purpose to furnish under the FCRA Under 15 U.S.C. 1681b ( f ) and 1681b ( a ), a furnisher must have BOTH : a permissible purpose AND authorization from the creditor Since the lease contains no reporting clause, XXXX never had consumer consent to report. Therefore, XXXX can not delegate authority they never had, and NCS has no permissible purpose at all.

4. NCS violated FCRA 623 and 1681s-2 ( b ) After I disputed the account with the CRAs, NCS was required to : verify using actual documentation ; OR delete the tradeline.

Since NCS has no assignment, no servicing contract, no authorization to furnish, and no ownership interest, any verification transmitted to a CRA constitutes : FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate/unverifiable information FCRA 1681s-2 ( b ) failure to conduct a reasonable reinvestigation 5. NCS violated the FDCPA By continuing to represent that they have authority to collect and report this debt when they do not, NCS violated : FDCPA 1692e ( 2 ) ( A ) false representation of the character or legal status of a debt FDCPA 1692e ( 8 ) communicating or threatening to communicate false credit information FDCPA 1692f unfair and unauthorized collection practices 6. Required resolution Because NCS has failed to produce : a Contract of Assignment a Bill of Sale identifying the account a Servicing Agreement written authorization to furnish proof of permissible purpose I request : Immediate deletion of the National Credit Systems tradeline from all consumer reporting agencies.

If NCS continues furnishing without lawful authority, I will proceed with federal litigation under : FCRA 1681n, 1681o FDCPA 1692k all applicable state consumer protection statutes This constitutes my full rebuttal and request for enforcement. Consider this final demand and I will litigate in federal court immediately

Company response to consumer: Closed with explanation