Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
National Credit Systems , Inc., I find it concerning that as a professional debt collection agency, you appear to assume that I, as a consumer, do not understand what proper validation requires under federal law. I have thoroughly reviewed the documents you provided, and I am fully aware that a lease agreement and a landlord-generated move-out statement do not constitute lawful verification of a debt. After more than six months of repeated requests and multiple complaints, your continued reliance on incomplete and unsupported documentation demonstrates either a willful disregard for compliance obligations or an intentional attempt to misrepresent validation standards. This complaint is being filed as a final notice. Should this matter remain unresolved, I will be pursuing legal remedies. 

This XXXX complaint concerns National Credit Systems , Inc.s continued attempt to collect and report an alleged debt on behalf of XXXX XXXX XXXX XXXX XXXX despite repeated disputes and requests for proper validation spanning more than six months. 
NCS claims that the original creditor provided documentation supporting the charges. However, the documents relied upon a lease agreement and a move-out statement do not validate the debt and fail to establish accuracy, legitimacy, or legal enforceability. 
A lease agreement merely establishes that a tenancy once existed. It does not : Prove that the charges assessed were valid Demonstrate how the balance was calculated Establish compliance with lease terms Substantiate damages, cleaning fees, or penalties Likewise, the move-out statement reflects unilateral charges asserted by the landlord, not verified billing records. No invoices, receipts, vendor documentation, inspection reports, or transactional evidence were provided. Notably, NCS has admitted that no transaction or payment history exists, yet continues to report a precise balance to consumer reporting agencies a clear violation of accuracy requirements. ( I'm pursuing legal action ) Despite repeated requests, NCS has failed to provide : Itemized billing statements or invoices Proof supporting damage or cleaning charges A complete account ledger Transaction or payment history Evidence that charges comply with lease provisions A valid chain of assignment establishing NCSs authority to collect and report NCSs assertion that its agreement with the original creditor is private and confidential is legally irrelevant. If NCS can not demonstrate lawful authority and verified data, it can not lawfully furnish information under the Fair Credit Reporting Act. 
Additionally, I never received proper written notice of this alleged debt prior to credit reporting, in direct violation of FDCPA 1692g. Reporting a debt without proper notice and meaningful verification constitutes unlawful collection activity. 
These actions violate, but are not limited to : FDCPA 1692g ( failure to provide proper validation and notice ) FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ) FCRA 611 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 5 ) ( A ) ( failure to conduct a reasonable reinvestigation and improper continued reporting ) FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( a ) ( 3 ) ( furnishing information known or that should be known to be inaccurate ) XXXX XXXX reporting standards, requiring factual, verifiable, and fully supported data Each violation carries potential statutory liability. Under the FDCPA and FCRA, consumers may recover statutory damages, actual damages, attorneys fees, and costs, with willful noncompliance exposing furnishers and collectors to enhanced penalties.

After months of disputes and multiple complaints, NCS has demonstrated a pattern of noncompliance, not a good-faith investigation.

Company response to consumer: Closed with explanation