Consumer complaint received 2026-03-12 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: IN

Complaint narrative:
Since XXXX, I have been harassed and discriminated against by National Credit Systems , Inc. XXXX keeps reporting this alleged account claiming me as the owner when this entire case tied to the debt was DISMISSED in court in XXXX. I have multiple recorded phone calls of me requesting validation and OPTING-OUT per the FCRA, FDCPA, 15 USC 6802 , 16 CFR 313.7 ( f ), Indiana Codes and the Privacy Act of 1974. All which went ignored. When I requested the following for XXXX proof of claim and validity of this alleged debt, I was again ignored and not was ever provided anything for this unverified account # XXXX ; Flow Agreement-REQUESTED-NEVER PROVIDED Bill of Sale-REQUESTED-NEVER PROVIDED Transfer Assignment-REQUESTED-NEVER PROVIDED Demand Letter-REQUESTED-NEVER PROVIDED The Original Contract of Indebtedness bearing wet signatures of all parties- REQUESTED-NEVER PROVIDED Complete Bill of Particulars for account-REQUESTED-NEVER PROVIDED IRS Forms XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, * XXXX XXXX, * XXXX XXXX, XXXX XXXX XXXX, * Charge-Off documentation tied to Tax filing, * XXXX Assignments-, * Pooling and Servicing Agreement-ALL REQUESTED-NEVER PROVIDED 8 ). Proof of Change of Custody- REQUESTED-NEVER PROVIDED National Credit Systems provided nothing and still reports this account even after it was deleted by XXXX for being a " Unverifiable Debt '', they are still reporting it to both XXXX and XXXX with out any signs of removing this false account soon. I am beyond stress and I am seeking relief be granted from the damaging reporting both personal and commercially is causing me. Everything I send or request is ignored. National Credit Systems now has complete hold on my identity from All my Non-Public Information and are reporting on my consumer reports as they see fit, without any consent, especially not my express written consent per 15 USC 1681b ( a ) ( 2 ). ATTENTION : I have attached the AFFIDAVIT so that it can no longer be ignored by XXXX, like all my previous ones like the most recent one sent XX/XX/XXXX. Please see below ; NOTICE OF OPT-OUT XXXX- ( XXXX ), XXXX and XXXX- ( XXXX ) please be informed that per the admission of XXXX XXXX ( Case manager for account # XXXX ) that National Credit Systems operates under the Fair Credit Reporting Act, so please hear and understand me when I say XXXX, XXXX, National Credit Systems, Inc, per the Fair Credit Reporting Act , Fair Debt Collections Practices Act,16 CFR 313.7 ( f ), ( 5 U.S.C. 552a ), 15 U.S.C. 6802 ( b ), 16 C.F.R 313.7 ( f ), 15 U.S.C. 1681b, 15 U.S.C. 1692c ( a ), 1692c ( b ), 1692c ( c ) 1692e ( FDCPA ), Indiana Code 24-4.9-3-1, Indiana Code 26-1-1-207, Indiana Code 26-1-1- 308, Indiana Code 30-1-19-14, Indiana Code 30-4-3-2, Indiana Code 26-1-2-207 Indiana Code 26- 1-1-207, Indiana Code 26-1-1- 308, Indiana Code 30-1-19-14 , Indiana Code 30-4-3-2, Indiana Code 26-1-2-207, the Privacy Act of 1974 and Indiana Code 30-5-4-1, I, XXXX XXXX now exercising my right to OPTING OUT of ALL authorization that I may have given to National Credit Systems, third-party affiliates, affiliates, non-third-party affiliate or any of National Credit Systems, Incs subsidiaries knowingly, unknowingly, written, unwritten, verbal, or non-verbal from sharing my XXXX & my XXXX with all consumer reporting agencies such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX to include all other Secondary Reporting Agencies, pursuant to the Fair Credit Reporting Act , the Fair Debt Collections Practices Act , the Privacy Act of 1974, 16 CFR 313.7 ( f ), ( 5 U.S.C. 552a ), 15 U.S.C. 6802 ( b ), 16 C.F.R. 313.7 ( f ), 15 U.S.C. 1681b ( FCRA ), 15 U.S.C. 1692c ( a ), 1692c ( b ), 1692c ( c ) 1692e ( FDCPA ), Indiana Code 24-4.9-3-1, Indiana Code 26-1-1-207, Indiana Code 26-1-1- 308, Indiana Code 30-1-19-14, Indiana Code 30-4-3-2, Indiana Code 26-1-2-207 and Indiana Code 30-5-4-1. XXXX and XXXX, immediately CEASE and DESIST from trying to collect, report, sale or sharing any of my XXXX & XXXX that XXXX may have purchased , conveyed, securitized, sold for profit or paid to report to any of your affiliates, any third parties or again to any of the consumer credit reporting agencies such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX to include all other Secondary Reporting Agencies for account # XXXX. XXXX XXXX XXXX and XXXX be aware that according to 15 USC 1692c ( c ) states ; If a consumer notifies a debt collector in writing that the consumer refuses to pay as debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to the such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated XXXX, XXXX and XXXX, since XXXX is acting as no more then a debt collector and that is according to XXXX and XXXX own PROSPECTUS REPORT/PULLING SERVICING AGREEMENT, which means there is no such debt to collect on in the first place making this the alleged already been informed by XXXX XXXX of XXXX on XX/XX/XXXX, that XXXX will continue to violate my rights no matter what I do, XXXX now has ( 3 ) days or ( 72 ) hours from receipt of this Affidavit to Cease and Desist from collecting and reporting any information for this alleged account # XXXX with all consumer reporting agencies, investors, subsidiaries, third party affiliates, non-third-party affiliate immediately, especially without my express written consent, pursuant 15 USC 1681b ( a ) ( 2 ), which states that you must have my express written to consent to report this alleged account # XXXX to my consumer credit reports. National Credit System has ( 3 ) days from receipt of this Affidavit to comply pursuant to Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ), 15 USC 1692g, 6 CFR 313.7, Fair Debt Practices Act & Privacy Act of 1974. XXXX and XXXX, if this account # XXXX is not removed and updated correctly with in ( 3 ) days after receipt of this Affidavit, I will file a Identity Theft Report with The Federal Trade Commission ( FTC ) , against National Credit Systems, where I will have no choice but to list XXXX XXXX, XXXX & XXXX XXXX as primary suspects . I will also file a Police Report with my local police department for identity theft, file an Identity Theft Affidavit IRS Identity Theft Affidavit form XXXX, file a complaint with the Indiana Attorney General 's Office, file a complaint & report with The Consumer Financial Protection Bureau ( CFPB ) for violating My rights as a State and Federally Protected Consumer and lastly, I will file complaints and reports with both The Security Exchange Commission and the Internal Revenue Service ( IRS ) for possible Securities Fraud and Tax Fraud. XXXX and XXXX, I will also be using all the recorded phone calls that recorded for proof and evidence that I expressed and exercised My rights as a Federally Protected Consumer to Opt-Out of XXXX sharing My XXXX & My XXXX because since XXXX XXXX is still sharing my Non-Public Personal Information & Non-Public Personal Financial Information , without providing any Verifiable Proof of validation and without my express written consent. XXXX XXXX XXXX and XXXX, be fully aware that as of right now because of your continued violations of my rights pursuant to Fair Credit Reporting Act, I am currently owed {$1000.00} per reporting, which is at {$2000.00} as of now. I am also entitled to Punitive Damages up to ( {$50000.00} ) per alleged reporting, and I do plan to move forward with legal litigation pursuant 15 USC 6802, 16 CFR 313.7 ( f ), Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Privacy Act 1974. XXXX, XXXX and XXXX , these recorded phone calls should be all the proof I need for proof of my claim against National Credit Systems, but to insure your full attention and corporation is giving I have attached a SELF-EXECUTING CONTRACT that will become effective immediately following any failures on National Credit Systems part to address and correct any of my concerns. Again XXXX XXXX XXXX and XXXX, I am simply seeking relief be granted from what I can only describe as honestly one of the most stressful and emotionally damaging experiences of my life personally, and commercially. My personal and financial character has been damaged so that bad, I was denied access to well over {$400000.00} USD in funding because of XXXX continued unverified and unauthorized reporting of this alleged account # XXXX. Me and My family were devastated and are just now starting to recover from the losses and defamation. XXXX XXXX and XXXX is acting as if they are XXXX and rulers of my life when XXXX is nothing more than a DEBT COLLECTOR and under sub section 805 ( b ) of the Fair Debt Practices Act, entitled Communication with third parties which states ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector. ( 1 ) In general, if a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest of charge to the consumer. XXXX XXXX XXXX and XXXX give your attention to then SELF-EXECUTING CONTRACT below. From this point forward, NATIONAL CREDIT SYSTEM will be known as RESPONDENT and XXXX XXXX will be known as CLAIMANT. XXXX XXXX XXXX XXXX and XXXX, notice to principal are notice to agent and notice to agent is notice to principal, your ignorance of the law is no excuse and your silence or non-response to within ( 3 ) days or ( 72 ) hours of notice of this Affidavit will constitute your tacit agreement to all the terms listed in the SELF-EXECTING CONTRACT listed below. There has been already number of recorded times and dates of communication between the Claimant and the Respondent for this alleged account # XXXX and since XXXX insist by some magical method without ever provided any requested or verifiable proof of their claim, they still somehow managed to verified that this alleged account # XXXX exist, so, the SELF EXECUTING CONTRACT will be valid and enforceable after ( 3 ) days or ( 72 ) hours from the receipt of this Affidavit. Again, XXXX XXXX XXXX & XXXX XXXX upon ANY failure to comply with this Affidavit in anyway, XXXX will immediately tacitly agree to the terms and conditions set forth in the SELF EXECUTING CONTRACT listed below. BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, the truth, or authenticity, by statement of facts, oath, or deposition NOTICE TO AGENT IS NOTICE TO PRINCIPLE, NOTICE TO PRINCIPLE IS NOTICE TO AGENT SELF EXECUTING CONTRACT NOTICE TO AGENT IS NOTICE TO PRINCIPLE, NOTICE TO PRINCIPLE IS NOTICE TO AGENT Counter Claim with Self-Executing Contract ; TERMS AND CONDITIONS ; If RESPONDENT, such as by commission, omission and or otherwise : ( a ) Fails to update and remove this alleged account # XXXX from all the Claimants consumer credit reporting agencies like XXXX, XXXX, XXXX and then send verifiable proof of the updates by way of certified mail to the Claimant within ( 72 ) hours of receipt of this OPT-OUT NOTICE AFFIDAVIT. ( b ) Fails to provide verifiable proof of evidence to the Claimant by way of certified mail that National Credit Systems , Inc complies, respects and honors the Claimants right to express his right to OPT-OUT pursuant the Fair Credit Reporting Act, 15 USC 6802 , 16 CFR 313.7 ( f ), the Fair Debt Collection Practices Act and the Privacy Act of 1974 within ( 72 ) hours from receipt of this OPT-OUT AFFIDAVIT. ( c ) Fails to update the false representation of the Legal Status of the herein above-referenced alleged debt/account # XXXX with all consumer credit reporting agencies within and send verifiable proof of evidence that National Credit Systems has updated the Legal Status for this alleged account # XXXX with all consumer credit reporting agencies and send verifiable proof of that update with all consumer reporting agencies to Claimant by way of certified mail with in with ( 72 ) hours of receipt of this OPT-OUT AFFIDAVIT. ( d ) Fails to CEASE and DESIST from sharing, reporting, to selling for profit, repurchasing, attempting to discharge this alleged debt for account # XXXX and the # XXXX Claimants Non-Public Personal Information and the Claimants Non-Public Financial with anyone in any way within and send verifiable proof of evidence that National Credit Systems fully complies with the Cease and Desist and this Affidavit to the Claimant by way of certified mail with ( 72 ) hours of receipt of this OPT-OUT AFFIDAVIT. ( e ) Fails to provide as National Credit Systems proof of claim that this allege debt and account # XXXX does legally exist the Original Contract of Indebtedness bearing the Claimants wet signature and the signatures of all other alleged parties involved to prove that a legally binding contract was in fact without doubt was established during this consumer credit transaction and send verifiable proof of the Original Contract of Indebtedness bearing the Claimants wet signature and the signatures of all other alleged parties involved to Claimant by way of certified mail within ( 72 ) hours from receipt of this OPT-OUT AFFIDAVIT. ( f ) Fails to provide the * Flow Agreement, * the Bill of Sale, * the Transfer Assignment, * the Demand Letter, * IRS Forms * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX * XXXX, XXXX, XXXX, XXXX XXXX XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX, * XXXX XXXX * XXXX, * XXXX, * XXXX XXXX, * XXXX XXXX, * XXXX XXXX, * XXXX XXXX, XXXX Form XXXX, * Charge-Off documentation tied to Tax filing, * XXXX Assignments, * Pooling and Servicing Agreement tied to account XXXX XXXX, by sending all requested documentation and verifiable proof of all requested above to the Claimant by way of certified mail within ( 72 ) hours from receipt of this OPT-OUT NOTICE AFFIDAVIT. ( g ) ( f ) Fails to provide * the Original Contract bearing the wet signatures of all parties involved, * Change of Custody, and * the Complete Bill of Particulars for account # XXXX as National Credit Systems, Incs proof of claim that this alleged debt/account # XXXX is legally binding and does in fact exist by sending all requested documentation and verifiable proof of all requested above to the Claimant by way of certified mail within ( 72 ) hours from receipt of this OPT-OUT NOTICE AFFIDAVIT to stop violating 15 U.S.C.1692g ( a ) -Validation of debts. ( h ) Fails to provide Verifiable Proof to the Claimant by way of certified mail of all Federally Required Disclosure Forms bearing the wet signatures of the Claimant and all parties involved such as the * Power of Attorney, * Truth-In-Lending, * Right to Recission, * Full Disclosure Form of how the Claimants XXXX and XXXX is be used making the alleged contract in fact a legally binding contract. ( i ) Fails to provide Verifiable Proof and proof that the Claimant had FULL and COMPLETE KNOWLEDGE and was made FULLY AWARE of what all terms and conditions as well as what terms like Security Interest meant by way of detailed definition and explanation to the Claimant during the time the alleged contract was signed and that the Claimant again was made FULLY AWARE and had FULL KNOWLEDGE that ALL HIS RIGHTS were being signed away and by send verifiable proof to the Claimant by way of certified mail within ( 72 ) hours from receipt of this OPT-OUT NOTICE AFFIDAVIT. ( j ) Fails to GRANT RELIEF from the defaming the Claimants name, character financially, commercially, personally and reputation by not removing this unfair, dismissed, unverified, inaccurate and unauthorized alleged account # XXXX from all of Claimants consumer credit reporting agencies such as XXXX, XXXX, XXXX and XXXX and send verifiable proof to Claimant by way of certified mail within ( 72 ) hours from receipt of this OPT-OUT AFFIDAVIT. BE FULLY AWARE : National Credit Systems , Inc and XXXX , a non-response or ignorance of the law and the Claimants OPT-OUT AFFIDAVIT or failure to comply in any way to the above OPT-OUT AFFIDAVIT within ( 72 ) hours of receipt of this OPT-OUT AFFIDAVIT will be construed to be the RESPONDENTS tacit acceptance of the terms and condition stated herein. In which case the RESPONDENT agrees to the following : ( k ) Immediately remove or delete this account # XXXX from Claimants XXXX, XXXX, XXXX all secondary credit bureaus, affiliates, non-affiliates, or any third-party affiliates and mail certified proof within ( 72 ) hours of receipt of this Affidavit. Immediately waive all claims against Claimant, their Agent, or Heirs, and, for this alleged account # XXXX and mail certified proof within ( 72 ) hours of receipt of this Affidavit. ( l ) The matter regarding the alleged account # XXXX is finally and totally settled never to be reopened, reported or sold again and mail certified proof within ( 72 ) hours of receipt of this Affidavit. ( m ) Immediately admits in writing that the Claimant is and never will be responsible for this alleged account # XXXX in any way and mail certified proof within ( 72 ) hours of receipt of this Affidavit. ( n ) Immediately send a cashiers check by certified mail to Claimant for the alleged owed balance of {$14000.00} USD plus {$3000.00} USD for a total of {$17.00}, XXXX USD to Claimant by way of certified mail within ( 72 ) hours of receipt of this Affidavit for National Credit Systems continued unauthorized reporting of this account # XXXX to the Claimants consumer credit reports and mail certified proof within ( 72 ) hours of receipt of this Affidavit. ( o ) Immediately pay or reimburse the Claimant to hire a firm to conduct a Commercial Securitization Aduit & A Forensic Loan Aduit for the consumer credit transactions for account # XXXX, and mail certified proof within ( 72 ) hours of receipt of this Affidavit. NOTICE : The RESPONDENTS Breach of Duty, Breach of Contract will further constitute more remedies ( 72 ) hours after RESPONDENT fails to meet the request and demands of this OPT-OUT AFFIDAVIT, the RESPONDENT will have due immediately to the Claimant, their Heirs, in the following amounts : I ) XXXX XXXX XXXX ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first-hand knowledge, regarding Respondents unsustainable claim ; and, which has occurred ( 10 ) times, which equals ( {$10000.00} USDA ), and , II ) XXXX XXXX XXXX ( {$50000.00} ) for each transaction initiated by Claimant where the Claimant commercial ability is impeded due to you, your agents or assigns adverse credit reporting, which has occurred ( 10 ) times, which equals ( {$500000.00} USDA ), and , III ) XXXX XXXX XXXX ( {$5000.00} ) for each court appearance Claimant, their Agent, or Heirs make in response to RESPONDENTS unsubstantial claim, which has yet to occur, and ( TBD ), IV ) RESPONDENT owes Claimant the balance equal to the alleged debt due on this account # XXXX, ( XXXX, ( {$14000.00} USD Past Due ), interest and fees are unknown currently, and, VI ) Three times the alleged claim past due amount of dollar ( {$14000.00} USD ) which equals ( {$42000.00} ) ; and, VII ) Punitive Damages in the amount of ( {$50000.00} USD ) per reporting to Claimants credit history ; which equals ( {$150000.00} USD ) ; and, VIIII ) Damages in the amount ( {$400000.00} USD ) from XXXX continued unauthorized and inaccurate reporting resulting in denial or extension of Claimants ' consumer credit. X ) Respondent tacitly agrees to immediately Compensate the Claimant for Breach of Duty for failing to disclose to the Claimant his Right to Rescission, for wrongfully taken control of Claimants security interest through deceptive practices and for any damages, restitution punitive damages, emotional distress costs, fees, loses and all expenses incurred for account # XXXX, which equals ( {>= $1,000,000} ) ; and, RESPONDENT also agrees to : Voluntarily let Claimant record a UCC-1 on National Credit Systems as debtor to secure the total of $ ( {>= $1,000,000} ) ; debt owed to Claimant ; and, Voluntarily compensate Claimant for ALL cost and attorneys/consultant fees ; and, Resolve ALL claims by Claimant, against Respondent, et al , exclusively and finally through Equity Court of competent jurisdiction , if necessary, to enforce remedy the above terms, conditions, fees, penalties, and damages. Any previous Arbitration agreement that was in place is now void as Equity under the Law is PARAMOUNT and MANDATORY. When the Claimant prevails in the Equity Court of any Claim against Respondent, Respondent will reimburse Claimant for any legal fees the Claimant paid to any organization in connection with the case. Any decision rendered in such court proceedings will be final and binding on the parties, and judgement may be entered in a court of competent jurisdiction. This Self-Executing Contract applies to all Claims now in existence, or that may arise in the future. This Self-Executing Contract shall survive any voluntary payments of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is private communication and is intended to affect an out-of-court settlement of this matter. Your ignorance of the law is no excuse. Should any provision on this agreement be found not enforceable by order of a court in competent jurisdiction. It shall not adversely affect any other provision of this agreement, and reasonable opportunity, and effort shall be taken to modify it to become enforceable. STATUTORY OPT-OUT AND WITHDRAWAL OF CONSENT ( INDIANA & FEDERAL ) & TESTIMONY FROM CLAIMANT I declare under penalty of perjury that this is true and correct and pursuant to the Privacy Act of 1974, ( 5 U.S.C. 552a ), 15 U.S.C. 6802 ( b ), 16 C.F.R. 313.7 ( f ), 15 U.S.C. 1681b ( FCRA ), 15 U.S.C. 1692c1692e ( FDCPA ), Indiana Code 24-4.9-3-1, Indiana Code 26-1-1-207, Indiana Code 26-1-1-308, Indiana Code 30-1-19-14 , Indiana Code 30-4-3-2, Indiana Code 26-1-2-207, Indiana Code 24-15-3-3, and Indiana Code 24-4.9-3-3 ( a ), I hereby elect, declare, and affirm my intent to opt out of, and expressly prohibit, the disclosure, sharing, sale, transfer, use, or dissemination of my non-public personal information, non-public financial information, and consumer file information to any non-affiliated third parties, data brokers, debt collectors, consumer reporting agencies, or other unauthorized recipients. This opt-out constitutes written, standing, and continuing notice of non-consent, is effective immediately upon execution of this Affidavit, and shall remain in full force and effect unless revoked by me in writing. National Credit Systems, Incs ignorance of the law is no excuse. I declare seeking relief be granted from the unfair, unauthorized and unverified reporting of this alleged account # XXXX, by removing it from all my consumer credit reports pursuant the facts that National Credit Systems , Inc has never once provided any evidence your proof of claim or any requested previously documentation for this alleged account # XXXX and I have OPTED-OUT of any of my XXXX and my XXXX from being shared by National Credit Systems , Inc EVER AGAIN. Equity court will be my main recourse of action for remedy for account # XXXX. National Credit Systems , Inc . Your ignorance of the law is no excuse.

Company response to consumer: Closed with explanation