Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am lodging a formal complaint against National Credit Systems , Inc . This company failed to adequately validate a {$2600.00} debt they state I owe. I do not have a contract with this organization and am unfamiliar with them. I have repeatedly requested that their organization provide me documentation that legitimately supports this claim. They have been unresponsive to this matter, and I still have not received any itemizations that break down charges such as interest, fees, or payments. 

To add, I was never informed of my XXXX right to dispute this alleged debt. The company seemingly has inconsistent or incomplete contact information. This has been another difficult situation when trying to reach someone to get clarification. 

Furthermore, upon checking my credit report, XX/XX/XXXX, was the first time I saw that XXXX XXXX XXXX XXXX XXXX reported this debt/collection to the credit bureaus. I never authorized or consented to this. Its unjustly for a company to report something to the credit bureaus without providing proper validation or the legally required disclosures. 

I believe this constitutes multiple violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Action must be taken regarding National Credit Systems , Inc . 

Below, I have listed the dates and attempts I made to dispute this debt, including mailing correspondence and calling the company, all without success. Thank you for your attention to this matter. 

Timeline of Events : XX/XX/XXXX : Submitted the first dispute electronically with XXXX  and XXXX. 

XX/XX/XXXX : Sent a certified letter requesting validation to an address found online ( XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ). The letter was returned as undeliverable. 

XX/XX/XXXX : Resubmitted disputes including evidence of the returned certified mail. The collection continued to be reported without change. 

XX/XX/XXXX : Submitted another dispute with the same evidence ; no changes were made. 

XX/XX/XXXX : Filed another electronic dispute. The collection remained unchanged. 

XX/XX/XXXX : Resubmitted dispute ; reporting remained unchanged. 
XX/XX/XXXX : Same outcome as previous submissions. 

XX/XX/XXXX : I called ( XXXX ) XXXX, a number I found online for XXXX XXXX XXXX XXXX XXXX, which connected me to a representative. I later discovered another number, ( XXXX ) XXXX, through XXXX, also linked to the company. The representative informed me that an agent named XXXX was assigned to my case but was unavailable at the time. I never received a follow-up call. 

XX/XX/XXXX : While reviewing prior disputes, I discovered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) for National Credit Systems , Inc . This address was not listed in the main credit reporting section and was only located within the dispute center. 

XX/XX/XXXX : Located official addresses via the XXXX Secretary of State : Registered Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Principal Office : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation