Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint because National Credit Systems ( NCS ) has repeatedly violated my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX  is reporting inaccurate and misleading information to the credit bureaus regarding an alleged debt. Despite submitting multiple disputes to XXXX  and XXXX, and complaints including previous complaints through the CFPB XXXX  has failed to remove this information or correct the inaccuracies.

I have made several attempts to request proper validation of the alleged debt. However, XXXX  refuses to provide sufficient documentation establishing that they have the legal right to collect on this debt. The only documentation they have provided is a copy of a lease and a move-out statement, which does not demonstrate that XXXX  is legally authorized to collect on this alleged debt. Under the law, this is not sufficient proof of ownership or assignment of the debt, nor proof that I owe the debt to XXXX.

Furthermore, XXXX  failed to properly notify me of this alleged debt and my right to dispute it, which is a direct violation of the FDCPA. The only communication I ever received from NCS was an email dated XX/XX/XXXX, informing me that they intended to report the debt to the credit bureaus. No required written notice was provided before they reported the debt, depriving me of my right to dispute the debt in a timely manner as outlined under 15 U.S.C. 1692g of the FDCPA. 

In response to their email, I sent a timely debt validation request on XX/XX/XXXX. To date, XXXX has failed to respond to my validation request or remove the unvalidated information from my credit reports, in clear violation of the FDCPA and FCRA. After this, I the disputed the negative information with the XXXX major credit bureaus. XXXX deleted the proven inaccurate information however, XXXX  and XXXX  both refuse to delete the information despite multiple disputes with proof showing the inaccurate and misleading information. Both credit bureaus say the information is verified to be accurate. How can it be verified to be accurate when XXXX never followed proper procedures to validate the debt and notify me of the allege debt? 

Additionally, on XX/XX/XXXX, I sent a cease and desist letter to XXXX via certified mail with a return receipt, formally demanding that they cease all collection activities with me regarding this alleged debt and delete the negative information off my credit reports. XXXX has ignored this cease and desist demand, further violating the FDCPA under XXXX5 U.S.C. 1692c ( c ). 

NCSs continued failure to validate the alleged debt, respond to my communications, honor my cease and desist request, and correct or remove inaccurate credit reporting entries is not only unlawful but is causing ongoing harm to my creditworthiness and emotional distress. 

Over the past year, I have also disputed this inaccurate information multiple times with both Experian and Equifax. Despite providing evidence that XXXX failed to validate the debt and that the reporting is inaccurate, Experian and Equifax have refused to delete the account from my credit reports. Both companies have continued to verify the account without properly investigating my disputes or requiring XXXX to validate the debt, which violates their responsibilities under the FCRA ( 15 U.S.C. 1681i ). 

I have included all information such as the initial email from XXXX, my letters mailed to XXXX and certified mail receipt of my cease and desist.

Company response to consumer: Closed with explanation