Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNTS The following accounts are currently being reported and are formally disputed : Acct # XXXX {$7800.00} Acct # XXXX {$13000.00} To Whom It May Concern, This is a formal notice of dispute and demand for full validation regarding the above-referenced accounts allegedly being reported by National Credit Systems ( NATLCRSYS ). I do not acknowledge any of these debts and am demanding legal documentation to validate your right to collect, report, or otherwise pursue these accounts. 

As protected under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, you are required to immediately provide the following for each account individually : The Original Signed Lease or Contract Agreement bearing my wet signature. A generic rental agreement or system-generated form is not acceptable. 
A Binding Agreement showing I consented to the alleged balance and agreed to the terms now being reported. 
A Complete Flow Sheet or Ledger showing all charges, payments, fees, and balances, including deposits or legal offsets. 
Proof of Legal Assignment or ownership by National Credit Systems, including transfer agreements, contracts of assignment, and legal chain of custody from the original housing provider or management company. 
Proof that these alleged debts are not past the Statute of Limitations for collection under Illinois law, including a timeline breakdown and last activity date. 
Proof that your agency is legally licensed and authorized to collect debts in Illinois, including your license number and issuing body. 
The full name, department, and contact information of the individual who verified these debts to any credit reporting agency. 
A written and sworn statement confirming you did not use e-OSCAR or any other third-party automated verification method to conduct your reinvestigation, as doing so fails to meet FCRA standards. 
A prior statement, move-out charge sheet, or unverified rental bill does NOT meet the legal standard of validation. If you can not produce all of the above documentation, you must : Immediately remove these accounts from all consumer credit reports XXXX XXXX XXXX XXXX  ) Cease all collection and communication attempts Failure to respond within 15 calendar days of receipt of this notice will result in the following : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX Attorney Generals Office Civil litigation seeking full statutory damages for each violation under the FCRA, FDCPA, and UCC I reserve all rights without prejudice as stated under UCC 1-308. This is your official and final opportunity to comply. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation