Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have been in contact with an XXXX that I am thinking about hiring because I have called and sent letters to this company to no avail. They have not provided the following. Original contract with wet signature, proof showing permissible purpose, the forward flow agreement. I also sent a cease-and-desist letter to them and they are still trying to communicate through different medium and even communicating using my consumer report. This account needs to be deleted immediately. NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : NATIONAL CREDIT SYSTEM XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person ( Consumer '' ), have become aware of ( Multiple violations of Consumer Credit Protection laws by NATIONAL CREDIT SYSTEM XXXX, ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original Creditor, and demand the following : Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, Forward Flow Agreement, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation : XXXX out the balance and delete all accounts held by Debt Collector from all consumer reporting agencies. Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertaining to the validation of the alleged debt or remedy for violations that occurred. Any further Communication with the Consumer must be in writing. Delivered via mail to the mailing location above. Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands and provide the required documentation for proper validation of the alleged debt within XXXX days of receipt of this notice, shall : a ) be taken as tacit agreement to the claims set forth, b ) grant the Consumer all demanded remedies, and c ) may result in litigation. ( XXXX v. Fulton Friedman & Gullace , LLP. 825 F3d 317, 325-26 ( 7th Cir : 2016 ) * assignees who are " debt collectors '' are responsible for the actions of those collecting on their behalf '' ; citing Pollice, 225 F.3d at 404-05. ) Respectfully, SATTA KPAAN Not to be used for bond or CUSIP issuances UCC 1-308/UCC 1-207 All rights reserved & without prejudice.

Company response to consumer: Closed with explanation