Consumer complaint received 2025-11-06 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: MI

Complaint narrative:
I am disputing a collection account reported on my XXXX  credit report by * * National Credit Systems , Inc. * *  ( Account # [ Insert ] ) with an open balance of * * {$3700.00} XXXX XXXX last reported XX/XX/XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX  which has XXXX XXXX removed this account from my credit report XXXX XXXX yet it continues to appear on XXXX, indicating inaccurate reporting. 

I have * * never received any documentation, verification, collection letters, or notices * * regarding this alleged debt. National Credit Systems has * * failed to provide validation * * as required under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p * *, which mandates that a debt collector must provide verification upon request and prohibits attempts to collect unverified debts. 

XXXX  reporting of this account constitutes a violation of the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x * *, which requires consumer reporting agencies to ensure that reported information is accurate, complete, and verifiable, and to remove any information they can not verify. The removal of this account by XXXX  demonstrates that the information is unverifiable, yet XXXX  continues to report it, causing demonstrable harm to my creditworthiness. 

XXXX XXXX  History of XXXX XXXX and Legal Precedent : XXXX XXXX 1. XXXX XXXX XXXX  XXXX National Credit Systems , Inc., XXXX XXXX XXXX ( XXXX XXXX. ) XXXX XXXX Addressed FDCPA violations, improper assessment of fees, and collection of unverified debts. 
XXXX. XXXX XXXX XXXX XXXX National Credit Systems , Inc., Case No. XXXXXXXX ( XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Court found misleading debt collection communications. 
XXXX. XXXX XXXX XXXX XXXX National Credit Systems , Inc., XXXX XXXX XXXXXXXX ( XXXX, XXXX ) XXXX XXXX Allegations included false and misleading letters and reporting unverifiable debts. 
XXXX. XXXX XXXX XXXX XXXX National Credit Systems , Inc.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA violations for reporting debts not owed. 
XXXX. XXXX XXXX CFPB Investigation / Civil Investigative Demand ( CID ) XXXX XXXX : On XX/XX/XXXX, the CFPB issued a XXXX  against XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Case No. XXXX ) investigating whether XXXX engaged in unfair, deceptive, or abusive debt collection practices, including furnishing inaccurate information to credit reporting agencies in violation of the * * CFPA, FDCPA, and FCRA XXXX XXXX. ( [ CFPB XXXX Petition ] ( https : XXXX ) ) * * Consumer Complaint Patterns : XXXX XXXX XXXX XXXX reports over XXXX XXXX XXXXXXXX complaints in the last three years XXXX XXXX against XXXX for failure to provide verification and reporting debts inconsistently across credit bureaus. 
* Online reviews and forums consistently report that XXXX repeatedly attempts to collect debts without documentation and reports unverifiable debts. 

* * Impact : * * This account has caused significant harm, including * * damage to my credit score and my ability to obtain credit * *. Despite my formal dispute, XXXX  has * * failed to investigate or remove the unverifiable account * *, thereby perpetuating the violation.

Company response to consumer: Closed with explanation