Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Cease & Desist + Communication Violation Record In Reference To : National Credit Systems , Inc . 
Original Creditor : Retreat at Steeplechase Apartments Reported Balance : {$910.00} Reporting Agencies : XXXX XXXX XXXX XXXX  Status : Consumer Disputes This Account Section 1 Absolute Cease & Desist Directive This correspondence serves as a formal and final cease and desist order under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Effective immediately, National Credit Systems , Inc. and all affiliates, subsidiaries, agents, or third-party representatives are prohibited from any form of communication or contact whatsoever, including phone calls, emails, letters, or third-party outreach. 

This prohibition arises from ongoing unauthorized debt-collection activity by third-party entities without my knowledge, consent, or any written notice of transfer. I was never informed by mail or email that this account was sold, assigned, or absorbed by another company. 

Any such conduct violates 15 U.S.C. 1692e, 1692f, and 1692c ( c ). No further communication is authorized. Any additional contact will be treated as willful non-compliance and harassment under federal law. 



Section 2 Harassment, Abuse & Privacy Violations Representatives from the unauthorized third-party agency XXXX XXXX XXXX XXXX XXXX and affiliated agents used obscene language, intimidation tactics, and repeated phone calls in direct violation of 15 U.S.C. 1692d ( Harassment or Abuse ). 

These actions occurred after issuance of the cease-and-desist order. The company also attempted to disclose my personal financial information to an unrelated third party, violating the GrammLeachBliley Act ( 15 U.S.C. 6801 6809 ). 

All communications were recorded and preserved as evidence. 



Section XXXX Unauthorized Assignment & Continued Reporting When I contacted National Credit Systems ( XXXX ), I was told that my account had been transferred to XXXX XXXX XXXX for collection. However, I never received written notice of this transfer. 

Despite claiming no further involvement, NCS continues to report this same debt to all three major credit bureaus ( XXXX XXXX XXXX XXXX  ). 

This constitutes continued furnishing of inaccurate and unverifiable data in violation of 15 U.S.C. 1681s-2 ( b ) and 1681i.

Section 4 Documented Communication Log Date Details of Communication ( All Calls Recorded ) XX/XX/year> Company called from ( XXXX ) XXXX and attempted to disclose my personal information to an unrelated party. Call recorded. 
XX/XX/year> Attempted to collect debt ; verbal cease-and-desist issued. 
XX/XX/year> Calls from ( XXXX ) XXXX and ( XXXX ) XXXX in violation of cease order. 
XX/XX/year> XXXX additional calls from ( XXXX ) XXXX and ( XXXX ) XXXX ; harassment persisted. 
Initial Contact Spoke with XXXX of XXXX XXXX XXXX ; she used obscene and threatening language while attempting intimidation. 
XX/XX/year> Attempted to reach XXXX XXXX XXXX office ; representative unavailable. 
Follow-Up Call Contacted NCS at XXXX XXXX ) XXXX ; informed account was sold. NCS nevertheless continues reporting to all bureaus.

Section 5 Hardship, Damages & Legal Rights Because of the unlawful actions of National Credit Systems , Inc. and its unauthorized affiliates, I have been denied credit and housing, both essential for financial stability and a basic human right and necessity.

My credit files across all major bureaus have been negatively impacted. I have endured emotional distress, reputational harm, and invasion of privacy.

Due to these ongoing violations, I have begun consulting with a consumer lawyer here in Texas to pursue appropriate legal remedies and monetary compensation for the resulting financial and emotional hardship.

These actions constitute actual, statutory, and compensatory damages under 15 U.S.C. 1681n, 1681o, and 1692k.

Company response to consumer: Closed with explanation