Consumer complaint received 2026-01-07 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: OR

Complaint narrative:
I am filing this complaint against NATIONAL CREDIT SYSTEM regarding its ongoing reporting and collection activity associated with an alleged CARRIAGE HOUSE APTS collection account in the amount of {$2800.00}, account number XXXX, which is currently being reported to XXXX, XXXX, and XXXX. 

This complaint serves as formal notice that I refuse to pay this alleged debt and that I am demanding immediate cessation of all collection activity, including but not limited to credit reporting, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Credit Reporting Constitutes Collection Activity Federal courts have clearly established that furnishing information to consumer reporting agencies is a form of collection activity and communication. See : Purnell v. Arrow Financial Services, LLC, 303 F. Appx 297, 304 ( 6th Cir. 2008 ) Edeh v. Midland Credit Management , Inc., 748 F. Supp. 2d 1030, 1039 ( D. Minn. 2010 ) Accordingly, as of this notice, any continued reporting or updating of this account to consumer reporting agencies constitutes ongoing collection activity and must cease immediately. 

FDCPA Violations FDCPA 1692c ( c ) Cease & Desist / Refusal to Pay Through this complaint, I am formally refusing to pay the alleged debt and instructing NATIONAL CREDIT SYSTEM to cease all collection activity. Any continued communication or reporting after receipt of this notice violates federal law.

FDCPA 1692e ( 8 ) False or Misleading Representation Continuing to report this account after receipt of a refusal to pay and cease-and-desist notice would constitute a misleading representation regarding the legal status of the debt and the collectors lawful ability to pursue it.

FDCPA 1692f Unfair or Unconscionable Means Using credit reporting as leverage to pressure payment after collection activity has been prohibited constitutes an unfair and unconscionable practice.

FCRA Violations FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate or Misleading Information Reporting a collection account while collection activity is legally barred is misleading by omission and context and violates the duty to ensure accuracy and completeness.

FCRA 623 ( b ) Duty to Reasonably Investigate and Correct Upon receipt of this complaint and any related dispute forwarded by a consumer reporting agency, NATIONAL CREDIT SYSTEM is required to conduct a reasonable investigation and correct or delete any information that can not be lawfully reported. 

Formal Refusal to Pay and Demand for Cessation I hereby refuse to pay this alleged debt and demand that NATIONAL CREDIT SYSTEM immediately cease all collection activity, including but not limited to : Reporting or updating the account with any consumer reporting agency Furnishing or re-furnishing data related to this account Communicating information about this alleged debt to any XXXX  party Any continued reporting or communication after receipt of this notice will be treated as a knowing and willful violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation