Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX National Credit Systems, Inc XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Formal Dispute and Demand for Debt Validation Pursuant to 15 U.S.C. 1692g and U.C.C. 9-208 Account Number : [ XXXX ] Dear National Credit Systems , Inc I am writing in reference to your recent communication regarding an alleged debt purportedly owed by me. This letter constitutes a formal dispute of the alleged debt and a demand for validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692g, and the Uniform Commercial Code ( UCC ), specifically 9-208. 

Legal Basis for This Demand 1. 15 U.S.C. 1692g : Under the FDCPA, within five days of initial contact, a debt collector is obligated to provide a written notice detailing : - The amount of the debt, - The name of the original creditor, - A statement that unless the consumer disputes the validity of the debt within 30 days, it will be assumed valid, - A statement that upon written request within the 30-day period, the collector will provide the consumer with the name and address of the original creditor. 

The FDCPA also grants consumers the right to dispute the debt and request validation. Courts have consistently upheld this right, notably in XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), which emphasizes the obligation of debt collectors to cease collection activities until proper validation is provided. 

2. U.C.C. 9-208 : As a purported assignee or secured party, you are required under the UCC to provide proof of the alleged debt, including the chain of ownership, when requested by the consumer. This ensures transparency and prevents wrongful collection activities. 
Specific Requests for Validation I demand that National Credit Systems , Inc provide the following documentation to substantiate your claim to the alleged debt : 1. A copy of the original contract or agreement signed by me that established the alleged debt. 
2. A detailed accounting of the amount claimed, including itemized principal, interest, fees, and charges. 
3. Evidence of assignment or transfer of the debt to your company, including all assignments and transfers from the original creditor to National Credit Systems , Inc . 
4. The name, address, and contact information of the original creditor. 
5. A complete chain of title establishing your legal right to collect on this debt. 
6. An affidavit under penalty of perjury affirming that National Credit Systems , Inc holds the legal rights to the alleged debt. 

Consequences of Non-Compliance Failure to provide the requested validation within the 30-day period required by law will constitute a violation of the FDCPA and UCC and may result in legal action to enforce my rights. Additionally, any continued attempts to collect this alleged debt without proper validation will be reported to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General. Courts have ruled, such as in XXXX v. XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), that debt collectors engaging in collection activities without proper validation may face significant penalties. 

I expect your written response, including the requested documentation, within 30 days of receipt of this letter. Please be advised that this letter does not constitute acknowledgment of any liability or indebtedness. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX

Company response to consumer: Closed with explanation