Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing regarding the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ), I dispute the validity of this debt in its entirety and formally request that you provide full validation of the alleged obligation. 

According to the credit reports I have obtained, the following account is being reported : Creditor / Collection Agency : National Credit System Account Number ( as reported ) : XXXX Account Type : XXXX : Open Account XXXX XXXX Collection XXXX : Collection Date Opened : XX/XX/XXXX Current Balance : {$9700.00} High Credit : {$9700.00} Past Due Amount : {$9700.00} Account Status / Remarks XXXX XXXX XXXX : Seriously past due/ assigned to attorney, collection agency, or credit grantors internal collection department Comments : Placed for collection Last Reported : XX/XX/XXXX Date of Last Activity : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Payment History : Reported as multiple months in collections ( CO ) This information is directly impacting my consumer credit profile and financial standing. Therefore, I am requesting full and complete validation of this alleged debt, including but not limited to the following : Proof that I am legally responsible for this debt, including a copy of any lease, rental agreement, or contract bearing my signature with the original creditor. 

A complete itemized breakdown of the amount owed, including : Base charges Rent or fees allegedly owed Interest, penalties, or additional charges Payments or credits applied A copy of the last billing statement issued by the original creditor. 

The amount owed at the time the account was transferred to your agency and any amounts added thereafter. 

Verification of the original creditor, including : Full legal name and address Original account number Proof of your authority to collect this debt, including : Documentation showing legal assignment or ownership of the debt Proof that your agency is licensed and authorized to collect in my state, including license number and issuing authority Additional required disclosures, including : The original due date of the alleged debt The date the account first became delinquent Confirmation that the debt is within the applicable statute of limitations Under the Fair Credit Reporting Act ( FCRA ), reporting or continuing to report information that can not be fully verified constitutes inaccurate and unlawful reporting. If you are unable to provide the documentation requested above, I demand that this account be immediately deleted from my credit reports with XXXX XXXX XXXX XXXX 

Failure to validate this debt within the timeframe required by law will leave me no choice but to pursue all available remedies, including filing formal complaints with the Federal Trade Commission ( FTC ), and other appropriate regulatory authorities. 

This letter is sent in good faith and constitutes a formal notice of dispute.

Company response to consumer: Closed with explanation