Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing a {$25000.00} rental debt that was sent to collections NATIONAL CREDIT SYSTEM by XXXX XXXX at XXXX XXXX without proper notification or billing. The collection agency failed to notify me of this debt before reporting it to my credit, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Key Issues With This Debt I was never sent a final bill or breakdown of charges from XXXX XXXX at XXXX XXXX before this debt was placed in collections. 
The collection agency never sent me a notice of the debt within 5 days of reporting it to the credit bureaus, violating FDCPA regulations. 
My renters insurance company, XXXX XXXX, attempted to process a claim for pet damages, but XXXX XXXX never provided the required documentation. 
The insurance company followed up multiple times for a final bill, but XXXX XXXX never responded. 
Since XXXX XXXX failed to provide proper billing and the collection agency failed to notify me, this debt is unverified and should not have been reported to my credit. 
Steps I Have Taken I have contacted the collection agency requesting full validation of the debt, including a final bill and proof that I was notified before it was reported. 
I have contacted XXXX XXXX at XXXX XXXX, but they have not provided any proof of a final bill or why they failed to respond to my insurance company. 
My insurance company confirmed via email that they never received documentation, which suggests that XXXX XXXX never properly documented these charges. 

I was never sent a written notice of this debt before it appeared on my credit report. 
FDCPA 1692g requires debt collectors to notify consumers within 5 days of reporting a debt. This was never done. 
XXXX XXXX at XXXX XXXX never sent me a final bill or an itemized breakdown of charges before placing this in collections. 
My renters insurance company, XXXX XXXX, repeatedly requested documentation from XXXX XXXX, but they never provided it. 

FCRA & FDCPA Violations : The collection agency has failed to provide proof that I was properly billed before reporting this to XXXX. 
They are reporting an unverified debt that may include excessive or unnecessary charges. 
I was denied my right to dispute this debt before it impacted my credit.

Requested Resolution I request that this debt be removed from my credit report due to failure to provide proper notice and lack of documentation. 
I request that the CFPB investigate the collection agencys failure to notify me within the required time frame. 
If the debt is valid, I request a full itemized breakdown of charges and proof that I was billed before it was placed into collections. 

This false debt has damaged my credit and affected my ability to secure housing and financial opportunities. Since neither XXXX XXXX at XXXX XXXX nor NATIONAL CREDIT SYSTEM followed legal procedures, I am requesting that this debt be removed immediately.

Company response to consumer: Closed with explanation