Consumer complaint received 2024-03-12 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: CA

Complaint narrative:
In XXXX of XXXX, I initiated disputes with National Credit Systems as well as the credit reporting agencies to which this company had been furnishing the account referenced as Account : XXXX. Following these disputes this account was removed from the XXXX credit report due to the company 's inability to verify and VALIDATE the alleged debt ( see attachment ). Unfortunately, both National Credit Systems as well as XXXX refuse to comply with laws established in the FCRA and FDCPA by the continued furnishing and reporting of inaccurate information that was NEVER validated. Due to the chronic negligence demonstrated by the aforementioned companies, the consumer has suffered deprivation of the RIGHT to credit, as well as the right to an accurate and complete credit report. 

The injurious nature of these actions require the immediate attention by the company 's CFO, XXXX XXXX XXXX XXXX or whomever is currently the acting financial officer ). 


Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from NATIONAL CREDIT SYSTEMS : 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and California State Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further.

-You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act 1997 and the Administration of Justice Act 1970 S.40, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX, grantee, beneficiary All Rights Reserved

Company response to consumer: Closed with explanation