Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
CEASE AND DESIST UNAUTHORIZED COLLECTION & CREDIT REPORTING Date : XX/XX/year> National Credit Systems, IncXXXX. XXXX XXXX, XXXX  XXXX Account Number : XXXX Amount : {$7500.00} Re : Immediate Cease and Desist Unauthorized Joint Collection Activity, Harassment, and Illegal Credit Reporting To National Credit Systems : This letter serves as formal notice demanding that National Credit Systems , Inc. immediately cease and desist from all collection activity, communication, and credit reporting related to any alleged joint account or joint debt that you have associated with my name, credit file, or personal information.

1. No Authorization & No Signature on Any Joint Account I have never signed or authorized any joint account, joint lease, joint contract, or joint financial obligation with any individual. Therefore, any attempt by your organization to assign, collect, or report such an alleged debt to my credit profile is false, unlawful, and constitutes a violation of federal consumer protection laws.

You are hereby placed on notice that no contract exists, nor has one ever existed, bearing my signature for the debt you are attempting to collect.

2. Cease All Contact and Harassment Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are ordered to immediately stop all communication with me in any form, including but not limited to phone calls, texts, emails, mailed notices, or contact through third parties.Any further communication outside the limited, legally-permitted exceptions ( such as a single confirmation of termination of collection efforts ) will be documented as harassment.

3. Cease All Reporting to Credit Bureaus Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that any information furnished to consumer reporting agencies is accurate, complete, and legally verifiable.

Because you have no contract, no signature, and no lawful basis for reporting this alleged debt : * You must immediately remove any and all information that National Credit Systems has furnished related to this matter.

* You must provide written confirmation of deletion from all credit bureaus within 15 days of receiving this notice.

* Continued reporting of unverifiable, inaccurate, or unauthorized data will constitute willful noncompliance with federal law.

4. Demand for Validation ( If You Claim the Account Exists ) If you intend to claim that this alleged debt is valid, you are required under FDCPA 809 to provide : * A copy of the original contract bearing my signature * Proof of your legal right to collect * A full accounting of the debt * Documentation proving my authorization for any joint liability If you can not provide these items, you must cease collection and remove all related credit reporting.

5. Notice of Potential Legal Action Be advised that failure to comply with this cease-and-desist demand may result in : * Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) * Filing complaints with my State Attorney General * Pursuing all available remedies under the FDCPA, FCRA, and applicable state consumer protection laws for damages, statutory penalties, and legal costs National Credit Systems is expected to act in full compliance with federal law. Any continued false reporting, harassment, or unauthorized collection efforts will be treated as intentional misconduct.

Company response to consumer: Closed with explanation