Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
National credit mgt XXXX  dispute letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX National Credit Management XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Re : Dispute of Debt Collection Attempt Dear National Credit Management, I am writing to formally dispute the debt you claim is owed to XXXX XXXX XXXX XXXX XXXX XXXX ). According to my records, this debt has been paid in full through the Department of Education Loan Fund. Your attempt to collect on a resolved debt is inaccurate, unauthorized, and in violation of federal and Texas laws governing debt collection practices. 

Furthermore, I have identified discrepancies among the credit bureausXXXX XXXX, and XXXXregarding the reporting of this debt. Each bureau is reporting different information and dates about this account. Such inconsistencies create confusion and raise questions about the legitimacy and accuracy of the debt being reported. These discrepancies are not permissible under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, which require accurate and consistent reporting across all bureaus. 

To address this matter, I request the following documentation and information, as required under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX : 1. Original Contract with My Wet Signature : Provide a copy of the original contract I signed in ink for this loan or service.

2. Contract from the Original Creditor with My Wet Signature : Provide a copy of the original contract signed with my wet signature with the creditor that initially held the debt. 

XXXX. Proof of Debt Ownership : Provide documentation verifying that National Credit Management owns or is authorized to collect on this debt, including the assignment of this debt from XXXX or the Department of Education. 

4. Payment and Account History : Provide a detailed payment history, including disbursement dates, amounts, and any applied payments to substantiate your claim.

5. Method and Process of Verification : Provide a detailed explanation of how you verified the debt, including the method and any supporting documentation used in this verification process.

6. Investigation Process and Proof of Results : Outline the investigation process you followed to verify that this debt is mine and provide proof or results of your investigation.

7. Your Debt Collection License in Texas : Provide a copy of your license to collect debts in Texas, as required by Texas Finance Code 392.101. Confirm that you were licensed at the time this debt was pursued for collection and provide your NMLS number for verification.

8. Licensure at the Original Date of Reporting : Verify that your company was licensed to collect debts in Texas at the time this debt was initially reported as delinquent. Note that obtaining licensure after reporting this debt is prohibited. 

XXXX. Consent to Purchase and Report Information : Provide a copy of the contract with my wet signature demonstrating my consent to allow National Credit Management to purchase and report my personal information. 

XXXX. Date of Sale of My Personal Information : Provide the specific date of sale of my personal information and the process by which this information was transferred. 

XXXX. Explanation for Re-Reporting : Provide an explanation as to why this debt was deleted from my credit report in XXXX but reappeared as a new account on XX/XX/XXXX without prior communication or verification, as required by FCRA 1681i and XXXX XXXX XXXX XXXX ( a ). 

Legal Context and Consumer Protections Under the FCRA 1681i and XXXX XXXX XXXX XXXX, any disputed debt must be investigated, verified, and can not be resold or reported inaccurately. The following violations are relevant : FCRA 1681i ( a ) ( 1 ) ( A ) : Procedures for resolving disputed information.

FCRA 1681s-2 ( b ) : Furnishers duties in responding to disputes. 

XXXX XXXX XXXX XXXX ( a ) : Prohibition of misleading debt collection practices. 

XXXX XXXX XXXX XXXX ( a ) : Licensing requirements for debt collection in Texas. 

Additionally, Texas law prohibits reporting or pursuing unverified debts. It is illegal to attempt to collect this debt or report it inaccurately without prior verification, as outlined in Texas XXXX and XXXX XXXX XXXX. 

Cease XXXX and XXXX Efforts I demand that you cease all collection and reporting efforts until this debt is properly verified. If this matter is not resolved within the legally required timeframe, I will pursue all remedies available under the FCRA, XXXX XXXX XXXX, and other applicable laws. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas Attorney General, Texas Department of Banking, XXXX XXXX XXXX XXXX XXXX XXXX, and seeking legal assistance. 

Please provide all requested documentation within 30 days of receipt of this letter. Once this matter is resolved, I demand confirmation that this debt will not be resold, transferred, or reported again in the future. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX __________________________________________ Legal References : Fair Credit Reporting Act ( FCRA ) : Section 1681i Procedures in Case of Disputed Information : * FCRA 1681i ( a ) ( 1 ) ( A ) * FCRA 1681i ( a ) ( 4 ) Section 1681s-2 Duties of Furnishers of Information : * FCRA 1681s-2 ( b ) Section 1681b Permissible Purposes of Consumer Reports : * FCRA 1681b Section 1681c Information Excluded from Consumer Reports : * FCRA 1681c ( a ) ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Collection Practices : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requirement for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Unverified or Inaccurate Debt : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation