Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against National Credit Systems for their blatant and willful violations of federal law in their reporting and collection of a fraudulent debt. Despite my submission of overwhelming and irrefutable evidence disproving the validity of this alleged debt, National Credit Systems has failed to remove this inaccurate information from my credit report. Their continued misconduct constitutes egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), warranting immediate regulatory intervention. 

Violations Committed by National Credit Systems : Violation of the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX ( a ) National Credit Systems has knowingly and recklessly reported false information on my credit report. Despite being provided with more than 26 pieces of documentary evidence proving the fraudulent nature of these charges, they have continued to furnish inaccurate information, demonstrating a flagrant disregard for their legal obligation to ensure the accuracy of reported debts. 

Failure to Conduct a Reasonable Investigation 15 U.S.C. 1681s-2 ( b ) Upon receipt of my dispute, National Credit Systems was required by law to conduct a reasonable investigation. Instead, they have ignored the indisputable evidence provided and have persisted in reporting the erroneous debt. Moreover, they falsely claimed that the 30-day statutory period for an FCRA investigation excludes weekends and holidaysan outright misrepresentation of the law. The FCRA mandates a strict 30-day period, with no such exceptions.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692eNational Credit Systems has engaged in deceptive, misleading, and unlawful debt collection practices by attempting to collect a debt that has been unequivocally proven to be fraudulent. Their continued pursuit of this invalid debt is a direct violation of federal law.

Violation of 15 U.S.C. 1692f Unfair or Unconscionable Means to Collect a DebtThe purported charges include a fabricated early termination fee and other unauthorized amounts that are not backed by any contractual agreement or legal justification. The collection of these charges constitutes an unlawful and unconscionable practice. 

Fraudulent Charges in Detail : 1. Water, Sewer, and Administrative Charges Fraudulent " Final Sewer - XX/XX/XXXX - XX/XX/XXXX '' for {$82.00} " Final Stormwater - XX/XX/XXXX - XX/XX/XXXX '' for {$2.00} " Final Water - XX/XX/XXXX - XX/XX/XXXX '' for {$62.00} " Final Water/Sewer Admin Fee - XX/XX/XXXX - XX/XX/XXXX '' for {$4.00} " Final Water/Sewer Admin Fee - XX/XX/XXXX - XX/XX/XXXX '' for {$12.00} My water service was shut off on XX/XX/XXXX, and I vacated the unit prior to the billing dates in question. The continued assessment of utility charges for a period during which I was no longer residing at the property constitutes a fraudulent billing practice. 

XXXX. XXXX Charges Fraudulent " Pest Control Fee '' for {$6.00} " Rent '' for {$130.00} " Service Fee '' for {$12.00} " Trash Fee - Hauler '' for {$11.00} " Valet Trash '' for {$25.00} XXXX vacated the property on XX/XX/XXXX. Any charges beyond this date are entirely fraudulent. Furthermore, I overpaid for XXXX and am entitled to a refund, including my improperly withheld security deposit of {$560.00}. 

XXXX. Early Termination Fee Fabricated and Unjustified ( {$3100.00} ) I provided the required 60-day notice to vacate on XX/XX/XXXX, fully satisfying my contractual obligations. 

XXXX XXXX, a representative of XXXX XXXX XXXX XXXX, formally approved my move-out date of XX/XX/XXXX, as documented in the Notice to Vacate form. 

The Notice to Vacate explicitly confirms my right to vacate without penalty. 

An Itemized Bill Does Not Validate Charges : National Credit Systems mailed an itemized bill purporting to validate the fraudulent charges. However, an itemized list, in and of itself, does not constitute legally sufficient proof of debt. If mere itemization were adequate, any entity could fabricate a list of charges and demand payment without substantiation. What they have failed to provideand what the FCRA and FDCPA explicitly requireis actual evidence demonstrating the validity and enforceability of these charges.

Company response to consumer: Closed with explanation