Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
On XX/XX/year> I submitted a complaint to CFPB about National Credit Systems ( NCS ) disclosing my private account information to an unauthorized third party. That complaint described a phone call in which NCS disclosed account details to my son even though he is not on the lease, not on the account, and has no power of attorney or written authorization. After I filed that complaint, NCS continued to disclose and attempt to collect on the same account. On XX/XX/year> at XXXX, NCS sent a text message to my son at ( XXXX ) XXXX from XXXX ( XXXX ) XXXX offering a settlement for Latitude at XXXX XXXX and stating he would receive account messages from National Credit Systems Inc. My son is not authorized to receive communications about my account. This text message occurred after my CFPB complaint was filed and therefore is a new and separate violation of the Fair Debt Collection Practices Act, specifically FDCPA 805 ( b ), which prohibits disclosure of account information to third parties without prior written consent. NCS has therefore ( 1 ) disclosed protected account information to an unauthorized third party, ( 2 ) continued collection communications after I filed a regulatory complaint, and ( 3 ) failed to verify authorization or obtain written consent before disclosing or communicating about the account. These actions demonstrate ongoing noncompliance and a failure to correct unlawful practices after notice. Remedy requested I request that CFPB require NCS to do all of the following : 1. Immediately cease all collection activity on this account and confirm in writing to me and to CFPB that collection efforts have stopped. 2. Immediately cease all communications with any third party who is not the consumer, not listed on the account, and who has not provided prior written authorization or power of attorney. 3. Provide a written account of all disclosures NCS has made about this account, including names, phone numbers, dates, times, and the content of each disclosure. 4. Permanently remove and delete any unauthorized thirdparty contact information from NCS systems and confirm deletion in writing. 5. Implement and document corrective compliance procedures to prevent future unauthorized disclosures, including staff training, identity verification protocols, and a written policy for handling CFPB complaints. 6. Provide statutory remedies available under FDCPA and any applicable state law, including an explanation of whether NCS will offer compensation or remediation for the unauthorized disclosures. 7. Provide a full company response to CFPB explaining why disclosures continued after my complaint and what specific corrective actions will be taken, with timelines and responsible parties. Evidence attached Screenshot of the text message sent to my son on XX/XX/year> showing sender number, content, and timestamp. Copy of my original CFPB complaint confirmation showing submission date XX/XX/year>. Call transcript and/or recording where my son identified himself as a credit repair person, did not have full account number, and NCS disclosed account information and the full account number. Any correspondence from NCS labeling my prior complaint as a duplicate. Requested CFPB action Please treat this as a new and separate violation that occurred after my original complaint. I request CFPB require NCS to immediately stop collection activity on this account until the company demonstrates full compliance with FDCPA and provides the corrective actions and confirmations requested above.

Company response to consumer: Closed with explanation