Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX, TN XXXX ] [ XX/XX/year> ] Via Certified Mail [ National credit systems ] [ XXXX XXXX XXXX XXXX ] [ XXXX Ga XXXX ] RE : Demand for Debt Validation and Notice of Dispute Account Number : [ XXXX } To Whom It May Concern : I am in receipt of your attempts to collect the alleged debt referenced above. I formally dispute this debt in its entirety and demand full validation of the alleged obligation. To date, your company has failed to provide any competent evidence demonstrating that I have a legal obligation to pay this debt. A mere balance statement, internal records, or unverified account information does not constitute validation. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I request that you provide the following : 1. The name and address of the original creditor. 2. A complete accounting of the alleged debt, including principal, interest, fees, and any other charges. 3. Copies of any contract, agreement, application, or instrument bearing my signature that creates a legal obligation. 4. Documentation establishing your authority to collect this debt. 5. Documentation demonstrating the chain of assignment or ownership if the debt has been sold or transferred. 6. Proof that the alleged debt is within the applicable statute of limitations. 7. Evidence that your company possesses legally admissible records linking me to this account. Furthermore, pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, if you are furnishing information regarding this account to any consumer reporting agency, you are required to report complete and accurate information. Reporting a debt that can not be substantiated or verified may constitute a violation of federal law. If this account appears on any consumer credit report, I demand that you conduct a reasonable investigation and provide the evidence supporting the accuracy of the reported information. Failure to provide such evidence may demonstrate that the account is being reported without proper verification. Until you provide the requested validation, you must cease collection activities on this account. Any continued collection efforts, reporting of unverified information, or attempts to pressure payment without providing proper validation may be documented as evidence of noncompliance with federal law. If you can not provide the requested documentation, you should immediately cease collection efforts and remove any information related to this alleged debt from all consumer reporting agencies to which you have furnished data. This letter is not a refusal to pay, nor is it an acknowledgment of liability. It is a formal dispute and request for validation. Nothing in this correspondence shall be construed as an admission of responsibility for the alleged debt. I expect your written response within the time permitted by applicable law. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation