Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
RE : Final Notice - Formal Dispute of Alleged Rental Debt Failure to Validate, Failure to Provide Assignment Contract, Chain of Title, and Improper Credit Reporting To Whom It May Concern, This letter serves as a final notice that your company is in ongoing violation of federal and state law, including : 15 U.S.C. 1692g ( b ) ( failure to cease collection without validation ) 15 U.S.C. 1692e & 1692f ( false, misleading, and unfair practices ) FCRA 15 U.S.C. 1681s-2 ( b ) ( failure to properly investigate after a credit bureau dispute ) Maryland Consumer Debt Collection Act ( MCDCA ), Md. Code Com. Law 14-202 Maryland Consumer Protection Act ( MCPA ), Md. Code Com. Law 13-301, 13-303 You have failed to provide any legally required substantiation for the alleged rental debt, and you continue to report and attempt collection more than 80 days after my disputes with all credit bureaus, even though : 1. You have provided NO validation of any kind.

You ignored my prior written request, and you failed to suspend collection activity while investigating. This is a clear violation of 15 U.S.C. 1692g ( b ).

2. You failed to provide the required full chain of title / assignment contract.

You have not shown that you have legal ownership, assignment, or authority to collect this alleged rental debt.

I specifically demanded : The original lease The rental ledger Proof of charge-off determination Full chain of assignments, including the assignment contract, bill of sale, or transfer agreement from the original creditor and between all intermediaries Documents showing that the debt was legally transferred under Maryland law Your failure to produce these documents confirms that you are attempting to collect a debt you can not legally substantiate.

3. My income was never used to approve or secure the rental property.

This means the amount claimed is inflated, inaccurate, and improperly assessed. Reporting a debt that was improperly created or calculated constitutes : Falsified credit reporting under FCRA 1681s-2 Unfair and deceptive practices under Maryland law 4. You continued reporting after a credit bureau dispute without conducting a lawful reinvestigation.

Under FCRA, you are obligated to provide : Verification of accuracy, Documentation supporting the information you furnished, Proof that you conducted a reasonable reinvestigation, Written results of your reinvestigation.

You provided none of the above, yet continued reporting the debtthis is a clear violation.

PREVIOUS DEMANDS You were ordered to provide ALL of the following within 30 days and its has now been over 80 days, and you failed to provide : 1. Full Validation of the alleged debt, including all documents proving I owe the debt in the amount claimed.

2. Original lease agreement.

3. Detailed ledger of all charges, payments, and how the final balance was calculated.

4. Full chain of title, including : Original creditor intermediate seller ( s ) your company All legally executed assignment contracts 5. Proof you are licensed to collect debts in Maryland ( if applicable ).

6. Copy of your investigation results from the credit bureau dispute.

Your Failure to provide these documents is now being treated as confirmation that : You can not prove ownership of the debt, You can not prove the amount claimed is accurate, and You are knowingly reporting false information.

CEASE COLLECTION DEMAND Under 15 U.S.C. 1692c ( c ) and Maryland law, you are instructed to cease all collection activity, including phone calls, emails, letters, and credit reporting, until you provide every document listed above.

Continuing to pursue this debt without proper validation will constitute further violation of the FDCPA, FCRA, and MCDCA.

NOTICE OF LEGAL ACTION If you fail to comply within 10 days, I will prepare and file legal claims for : FDCPA damages ( {$1000.00} statutory + actual damages + attorney fees ) FCRA damages ( actual, statutory {$1000.00}, and punitive damages ) Maryland Consumer Debt Collection Act violations Maryland Consumer Protection Act violations Defamation for false credit reporting Injunction to force deletion of the account I will also file complaints with : Maryland Attorney General Maryland Department of Labor , Licensing & Regulation FTC FINAL DEMAND : Delete the account from all credit bureaus and permanently cease collection. 

Failure to comply will result in immediate legal escalation. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation