Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: TX

Complaint narrative:
I received a notice from North American Credit Services XXXX XXXX, ( XXXX ) claiming that I owe the company for a debt. The specific account listed and in question is account # XXXX. 
I ask that the company please verify the method of attempted reporting and provide a validation of this account. I added that according to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you.

I have to date, received no proof from the company that I owe them any debt, Ive never done any business with North American Credit Services XXXX XXXX and I am requesting that the company forward to me full and proper documentation as evidence of this alleged debt. As per the FDCPA, it is a violation for any debt collector to pursue collection activity on an account without notifying the debtor in writing within 5 days after any communication. Additionally, I am allowed 30 days to dispute the validity of the debt. If you are unable to provide me with proper proof then you must stop attempting to collect this alleged debt. 
If you continue to claim I owe a debt that you can not confirm with proof then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act. 
Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is not a print out or bill from you but rather actual proof of the debt 's existence which should include : The name and address of the original creditor. 
A itemized detailed account of the alleged debt, including the amount owed. 
Verification or a copy of any documents that demonstrate my agreement to pay this debt, specifically a contract bearing my signature. 
Proof that your company is licensed to collect debts in my state. 
Proof that your company has been assigned the right to collect this debt on behalf of the original creditor, including an agreement that states that I would be liable to pay someone other than the original creditor. 
Regarding the last point, it is essential for you to demonstrate that you have the legal authority to collect this debt on behalf of the original creditor. I must be assured that I have given my explicit consent to allow your agency to pursue collections related to this debt. Without proper proof of assignment, your collection efforts may be in violation of the FDCPA. 
I want to emphasize that until I receive the requested validation and documentation, I do not acknowledge any liability for this alleged debt. It is crucial for you to provide me with this information to avoid any further violations of the FDCPA. 
Please be advised that if you fail to provide the requested validation and proof of assignment within the prescribed time frame or if you can not substantiate the accuracy of this debt, I will not hesitate to take the necessary actions to protect my rights and interests. I will lodge complaints with the Consumer Financial Protection Bureau ( CFPB ) and any other appropriate regulatory agencies to address your non-compliance with the FDCPA and to seek a resolution in this matter. 
Furthermore, I want to make it clear that if this inaccurate and unverified debt is not promptly removed from my credit report, I will have no choice but to take legal action against your company. I am prepared to pursue all available remedies under the law, including but not limited to filing a lawsuit for violations of the FDCPA and seeking damages for any harm done to my credit standing. 
I sincerely hope that it does not come to this, and I trust that your company will act responsibly and in accordance with the law. I expect your prompt attention to this matter and request a response within 30 days from the date of receipt of this letter. 
Please send all correspondence related to this matter to the address listed above. 
Thank you for your understanding and cooperation. Im still waiting for a response.

Company response to consumer: Closed with explanation