Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing the reporting of a debt related to The XXXXXXXX XXXX XXXX, which I never lived in, never signed a lease with, and never conducted any business with. The debt has since been sold to National Credit Systems ( NCS ) and is now being reported inaccurately on my credit report. 

Issues with the Reporting : I Never Had a Lease with The XXXX or Its Subsidiary : I have never lived at The XXXX or signed any lease agreement with them or any related entity. 
I have never had any financial obligation or account with this company, yet they ( or their successor ) have incorrectly placed this collection account on my credit report. 
Debt Sold & Incorrectly Transferred to National Credit Systems ( NCS ) : National Credit Systems is now reporting this alleged debt, even though I never did business with The XXXX. 
The original creditor listed should be a company I actually had a lease withif anyyet my credit report now incorrectly associates me with The XXXX and XXXX XXXX XXXX. 
Duplicate Reporting of the Same Debt : My credit report shows XXXX separate collections from National Credit Systems for what appears to be the same original debt, which is inaccurate and misleading. 
The accounts include : {$7500.00} balance, last reported XX/XX/XXXX {$260.00} balance, last reported XX/XX/XXXX ( appears twice ) These duplications create an unfair negative impact on my credit report. 
XXXX of Events : XX/XX/XXXX : Account allegedly opened ( I never signed any lease or agreement ). 
XXXX was sold : The XXXX or its management sold this alleged debt to National Credit Systems. 
XX/XX/XXXX : Last reported date for all three entries on my credit report. 
Date of Dispute : I previously disputed the incorrect reporting with the credit bureaus, but they have failed to correct or remove the errors. 
Actions Taken : Disputed with Credit Bureaus I have disputed the incorrect and duplicate reporting with [ XXXX, XXXX, XXXX ] and requested validation. 
Requested Verification from National Credit Systems I have asked National Credit Systems to provide proof that I ever had a lease or financial obligation with The XXXX. They have ( failed to provide proof, provided inaccurate documentation, etc. ). 
Followed Up with Credit Bureaus Despite my dispute, my credit report continues to show incorrect information and duplicate entries. 
Issue Summary : I never signed a lease or lived at The XXXX, meaning this debt is not mine. 
The debt was sold, and the new creditor, National Credit Systems, is now reporting inaccurate and duplicate information. 
The reporting is causing significant harm to my credit standing. 
National Credit Systems has failed to prove that I legally owe this debt. 
Resolution Requested : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in correcting this inaccurate reporting. Specifically, I ask that : The incorrect collection accounts be removed since I never had a lease with The XXXX. 
National Credit Systems provide proper validation of the debt and confirm whether they have the legal right to collect this debt under the Fair Debt Collection Practices Act ( FDCPA ). 
The duplicate accounts be removed from my credit report. 
If the debt can not be properly verified, it should be removed entirely from my credit report. 
This inaccurate reporting is unfairly affecting my credit standing, and I request immediate resolution. Thank you for your assistance in addressing this matter.

Company response to consumer: Closed with explanation