Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  GA, XXXX ( XXXX ) XXXX XXXX XX/XX/year> National Credit Systems, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Re : Request for Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ) Account Number : XXXX To Whom It May Concern : I am writing to formally request validation of the debt you claim I owe, as is my right under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please be advised that I dispute the validity of this debt and demand that you provide the following information to substantiate your claim : XXXX. The amount of the debt : A complete breakdown of the debt, including the principal balance, interest, fees, and any other charges associated with the account. 

XXXX. The name of the original creditor : Full details of the original creditor to whom the debt is owed, as well as any documentation or records showing that I am indeed the responsible party for the debt. 

XXXX. Evidence of assignment or transfer of the debt : If the debt has been sold or transferred to your agency, please provide a copy of the written agreement or contract that verifies this transfer and establishes your authority to collect this debt. 

XXXX. Proof of your authorization to collect on this debt : Documentation that shows you have the legal standing to collect the debt on behalf of the original creditor or any subsequent holders of the debt. 

XXXX. An itemized statement of the debt : A detailed account of the charges and payments, including the date the debt was incurred and a record of any previous payments made or credits issued. 

XXXX. Validation of the debt under the Fair Credit Reporting Act ( FCRA ) : A copy of any judgments or legal documents that have been filed against me in connection with this debt. This is necessary for me to verify if the debt is accurate and if any actions have been taken to report it to the credit bureaus. 

Please be advised that under the FDCPA, you are required to cease all collection activities until the debt is properly validated. Failure to provide the requested information within XXXX  days of receipt of this letter will result in your inability to continue reporting this alleged debt to the credit reporting agencies. Further, if you are unable to validate the debt, I demand that you remove this entry from my credit report, as it would be a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Additionally, I remind you that under Section 807 of the FDCPA, 15 U.S.C. 1692e, it is unlawful for a debt collector to make false or misleading representations in connection with the collection of a debt. Should you fail to comply with this request or continue to report inaccurate information to the credit bureaus, I will take appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Please send your response to the address provided above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation