Consumer complaint received 2026-05-14 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: TX

Complaint narrative:
I received a letter from National Credit Systems , Inc. ( XXXX ), dated XX/XX/year>, stating that I needed to contact one of their representatives to make arrangements to resolve an alleged debt. The letter referenced the following account : Client : XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX Client Account Number : XXXX Account Number : XXXX Balance : {$5200.00} My first contact with XXXX occurred on XX/XX/year>, when I spoke with XXXX XXXX and informed him that this debt did not belong to me. XXXX XXXX stated that XXXX would send me the documentation they had regarding the account. That same day, I contacted my sister to ask about the debt. She informed me that she had signed a lease with my father, XXXX XXXX XXXX, as a co-signer, and confirmed that the debt resulted from her breaking the lease agreement. On XX/XX/year>, my sister contacted XXXX directly. While I was not part of that conversation, she later advised me via text message to contact XXXX regarding removal of the debt from my credit report. I subsequently contacted XXXX again and spoke with XXXX XXXX, who informed me that I would need to dispute the debt through XXXX online portal and submit an Identity Theft Affidavit along with a police report. I explained that this was not a case of identity theft, but rather what appeared to be a mismatch of identifying information, a circumstance I have previously encountered due to similarities between my name and my fathers. XXXX XXXX maintained that identity theft must have occurred, asking how the apartment complex would otherwise have obtained my information. I attempted to dispute the debt through XXXX online portal as instructed ; however, the portal did not provide an option to dispute the account based on incorrect attribution or mismatched identifying information. The only available option was identity theft. Reluctantly, I selected that option in order to proceed, but I did not submit an identity theft affidavit or police report because doing so would have been inaccurate. After receiving no response, I contacted XXXX again in XX/XX/year> and was informed that my dispute had not moved forward because I had not submitted the requested identity theft documentation. I again explained that this was not a case of identity theft and that I would not file a false police report. I also pointed out that the lease agreement provided by XXXX contained my fathers signature, not mine, and that none of the documentation supplied identified me as the responsible party through my full legal name, date of birth, or Social Security number. Despite this, I was again instructed to dispute the debt online and provide an identity theft affidavit and police report. In an effort to continue the process, I reluctantly completed the identity theft affidavit and resubmitted the dispute, along with a copy of my drivers license to demonstrate that my signature differs from the electronically captured signature on the lease. My fathers signature appears as XXXX XXXX XXXX, while my legal name is XXXX XXXX XXXX. On XX/XX/year>, I contacted XXXX again and was informed that the dispute resolution team would not proceed without a police report. I again clarified that this was not a matter of identity theft, but rather an apparent error or mismatch that incorrectly connected my fathers debt to my credit profile. During a later conversation with another XXXX representative, I again explained that I had not received any documentation identifying me as the responsible party, including documents containing my full legal name, date of birth, or Social Security number as part of the lease agreement or account records. The representative stated that those documents would be sent to me. To date, I have not received them. I have since submitted a signed written dispute via certified mail requesting documentation establishing the basis upon which this account has been attributed to me, including the identifying records relied upon to determine that I am the responsible party for this alleged debt.

Company response to consumer: Closed with explanation