Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
CFPB Complaint National Credit Systems ( NCS ) Company : National Credit Systems , Inc . Issue : Debt collection / inaccurate credit reporting What happened : National Credit Systems is reporting three separate collection accounts on my credit report that were all opened on the same date ( XX/XX/XXXX ). The accounts have different balances, and two of them were admitted to be duplicates by an NCS representative. The accounts being reported are : {$7500.00} XXXX XXXX {$2700.00} XXXX XXXX ( XXXX XXXX ) {$4800.00} XXXX XXXX These inaccurate and duplicate accounts are harming my credit, lowering my score, and affecting my ability to obtain housing and credit opportunities. On XX/XX/XXXX at approximately XXXX XXXX, I called NCS and was transferred to XXXX XXXX, who stated she oversees these accounts. During the call, she admitted that two of the three accounts are duplicates, but she could not explain why NCS waited until now to correct the issue. Despite acknowledging the duplicates, NCS has not corrected the reporting. When I made a lawful request for written documentation and validation of the accounts including confirmation of the duplicates she refused, stating that NCS does not provide documentation for that. During the same call, she also informed me of a fourth account allegedly opened in XXXX, which does not appear on my credit report. I was not under any contract with the property in XXXX, and I disputed this account immediately. I requested validation under my consumer rights, including : A breakdown of charges Photos of any alleged damages Proof that the debt is mine Proof of their right to collect She stated she would send a breakdown and pictures if they were provided, which suggests NCS may not have documentation to support the charges. No documentation has been provided, despite my lawful request for validation. NCS continues to report inaccurate and unvalidated information, which is causing measurable harm to my creditworthiness. Because NCS has acknowledged duplicate accounts, refused to provide documentation, and failed to correct inaccurate reporting despite having more than enough time and notice, I am evaluating my options for further action outside of this complaint. Their continued neglect and inaccurate reporting have caused ongoing harm to my credit and financial opportunities. Why this is a problem : Reporting duplicate accounts is inaccurate, misleading, and harmful. Refusing to provide documentation after acknowledging errors raises concerns about compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Attempting to collect on an alleged XXXX account that I do not owe, and for which they have provided no proof, is improper. Their failure to validate the debts while continuing to report them is causing ongoing credit damage. What I want the CFPB to do : I am requesting that the CFPB require National Credit Systems to : Immediately remove the duplicate accounts from all credit bureaus. Provide full validation of all alleged debts, including the XXXX account. Provide documentation supporting any charges, photos, or proof of damages if they intend to collect on them. Correct any inaccurate or incomplete information they have reported. Provide a written response addressing each part of this complaint. I want accurate reporting and compliance with federal law.

Company response to consumer: Closed with explanation