Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Systems of Omaha, LLC
State: MO

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by National Account Systems with a balance of approximately {$530.00}. I am formally stating that I do not own this account. I did not open the original account associated with this alleged debt, I did not authorize anyone to incur this obligation on my behalf, and I did not receive or benefit from any goods, services, or funds related to this account. This account is the result of identity theft. I became aware of this National Account Systems collection account after reviewing my credit report and noticing a derogatory tradeline reflecting a balance of approximately {$530.00}. Although the balance is smaller compared to other accounts, the presence of a collection account of any amount is damaging to my credit profile and financial reputation. I have never entered into a contractual agreement with National Account Systems. I have never signed any documentation authorizing National Account Systems to collect a debt from me. If National Account Systems is collecting on a purchased or assigned debt, then the original account from which this alleged obligation stems was not opened by me and was the result of identity theft. Upon discovering this account, I immediately took action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), formally documenting that this account was opened fraudulently using my personal information. Filing the FTC report was necessary to formally establish that I am a victim of identity theft and that this alleged obligation does not belong to me. In addition to filing the FTC Identity Theft Report, I submitted formal disputes to the credit reporting agencies clearly stating that this collection account does not belong to me and was opened fraudulently. I informed the reporting agencies that this account was the result of identity theft and requested that it be blocked and removed under federal law. Despite filing the FTC Identity Theft Report and submitting formal disputes, the National Account Systems collection account continues to report on my credit file. The continued reporting of this fraudulent account is inaccurate and harmful. A collection accounteven XXXX reporting approximately $ XXXX significantly impact credit scores. Credit scoring models treat collections as serious derogatory marks. The presence of this account falsely suggests that I failed to pay a legitimate financial obligation, which is untrue. After identifying this fraudulent account, I requested that National Account Systems provide documentation proving that I am legally responsible for this alleged debt. Specifically, I requested : Identification of the original creditor. A copy of the original signed contract or agreement bearing my signature. Documentation showing the identity verification procedures used at the time of account opening. A complete chain of assignment from the original creditor to National Account Systems. Proof that National Account Systems has legal authority to collect this debt. An itemized breakdown explaining how the balance of approximately {$530.00} was calculated. Complete account statements from inception through charge-off and transfer. To date, I have not received original signed documentation bearing my authorization. I have not received proof that I entered into a contractual agreement with the original creditor or that National Account Systems has lawful authority to collect this debt from me. Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit reporting agencies must ensure maximum possible accuracy when reporting consumer information. Reporting a collection account as belonging to me when I did not open or authorize the underlying account violates this standard. Additionally, under Section 605B of the FCRA, when a consumer submits a valid Identity Theft Report, the credit reporting agencies must block the reporting of fraudulent information unless they determine that the report was false or based on misrepresentation. I have complied with all legal requirements to assert identity theft, yet the account continues to report. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt. As a debt collector, National Account Systems must provide sufficient validation to establish that I am responsible for the alleged debt. Automated or generic responses are not sufficient. It is also concerning that this account continues to report despite my formal identity theft claim. A meaningful investigation should include review of original documentation and verification records, not simply confirmation of previously transmitted data. If National Account Systems purchased this alleged debt, I request documentation of : The date of purchase. The purchase agreement or assignment documentation. Confirmation that the identity theft dispute was disclosed at the time of purchase. Proof that the underlying account was verified as legitimate prior to reporting. If the original account was fraudulent, then any subsequent sale or assignment does not create legitimate liability for me. The financial harm caused by this collection account includes : Reduction in my credit score. Difficulty qualifying for credit products. Higher interest rates. Potential housing or rental application denials. Emotional distress and frustration. Because this account is fraudulent, I should not bear the burden of this damage. If National Account Systems believes that this account belongs to me, I request detailed documentation demonstrating : The original creditors name. The date the original account was opened. The method of application. The identity verification procedures used. Copies of signed agreements bearing my signature. Documentation proving lawful assignment to National Account Systems. Without such documentation, there is no legitimate basis for continuing to report this collection account as mine. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act exist to protect consumers from inaccurate and improper reporting and collection activity. The continued reporting of this National Account Systems collection account undermines these protections and causes unjust harm. I have acted responsibly by reviewing my credit report, filing an FTC Identity Theft Report, and submitting formal disputes. I am fully cooperating and willing to provide additional documentation to support my claim if necessary. A proper investigation must involve review of original contracts, assignment documentation, and identity verification records. Simply confirming information through automated systems or relying on prior data is not sufficient when identity theft has been reported. If National Account Systems can not produce documentation showing that I personally opened and authorized the original account, the only appropriate resolution is permanent deletion of this collection account from my credit file. I am not attempting to avoid legitimate financial responsibility. If I had opened and used the original account, I would take responsibility for it. However, I can not and should not be held responsible for a debt incurred through identity theft. The resolution I am seeking in this complaint is recognition that this National Account Systems collection account is fraudulent, correction of the inaccurate reporting, and restoration of accuracy to my credit profile. I respectfully request that National Account Systems conduct a thorough and meaningful investigation into this matter and take corrective action consistent with federal consumer protection laws. I appreciate the opportunity to formally document this issue and request corrective action. I look forward to receiving a written response explaining the findings of the investigation and confirming that the fraudulent National Account Systems collection account has been removed.

Company response to consumer: Closed with explanation