Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE OF UNVERIFIED COLLECTION ACCOUNT Account No. XXXX XXXX XXXX To Whom It May Concern : This letter is your formal notice that I am disputing the above-referenced collection account currently appearing on my consumer credit file. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I hereby dispute this account in its entirety and demand verification of the alleged debt. The account in question is reported as follows on my credit report dated XX/XX/XXXX : Creditor : National Credit Systems Account No. : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Claimed : {$2100.00} Date Opened : XX/XX/XXXX Pay Status : Collection I have no knowledge of this debt, no recollection of any tenancy, lease agreement, or financial obligation with XXXX XXXX, and I have never received proper notice of this alleged obligation. I am not acknowledging any liability for this alleged debt. DEMANDS FOR VERIFICATION AND VALIDATION Pursuant to 15 U.S.C. 1692g ( b ), I demand that you cease all collection activity and provide complete verification and validation of this alleged debt. Specifically, you must provide : 1. A copy of the original signed lease agreement or any contract bearing my signature that creates any obligation to XXXX XXXX ; 2. A complete and itemized statement of the alleged debt, including all charges, fees, and dates ; 3. Proof that National Credit Systems is licensed to collect debts in the State of XXXX, including your license number and registered agent, as required under XXXX 's Collection Practices Act, MCL 339.901 et seq. ; 4. Proof of the chain of assignment or transfer of this alleged debt from the original creditor to National Credit Systems, including all purchase agreements or assignment documents ; 5. The date of first delinquency for this account, as required by 15 U.S.C. 1681c ( c ), to verify the accuracy of the reported credit removal date ; 6. A copy of any judgment, court order, or arbitration award upon which this collection is based, if applicable ; 7. Identification of the original creditor and the complete name, address, and account number associated with the original obligation. DEMAND TO CREDIT REPORTING AGENCIES Please be advised that I am simultaneously filing a dispute with all three major credit reporting agencies XXXX XXXX XXXX XXXX pursuant to 15 U.S.C. 1681i. Under that statute, the credit bureaus are required to forward this dispute to you, and you are required to investigate and respond within XXXX ( XXXX ) days. If you are unable to verify this debt within the time allowed by law, you must request that all credit reporting agencies immediately delete this tradeline from my consumer credit report. NOTICE OF LEGAL RIGHTS Please be advised that continued reporting of an unverified account may constitute a violation of the FCRA, 15 U.S.C. 1681s-2 ( b ), and continued collection activity on an unverified debt may constitute a violation of the FDCPA, 15 U.S.C. 1692e and 1692f. Violations of these federal statutes entitle me to seek actual damages, statutory damages of up to {$1000.00} per violation, and attorney 's fees. I reserve all rights under applicable federal and XXXX state law. All future correspondence regarding this matter must be made in writing and sent to the address above. Do not contact me by telephone. This letter is being sent via Certified Mail, Return Receipt Requested, to establish a documented record of this dispute. Sincerely, XXXX XXXX XXXX Consumer / Disputed Party SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Enclosures : Copy of credit report showing disputed tradeline Copy of government-issued identification cc : XXXX XXXX XXXX ( disputes submitted separately )

Company response to consumer: Closed with explanation