Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Formal Complaint and Dispute Against National Credit Systems , Inc . 
Account Number : XXXX Original Creditor : XX/XX/XXXX Reported Balance : {$15000.00} Dear CFPB Representative, I am writing to file this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against National Credit Systems , Inc. ( hereinafter " NCS '' ) for unlawfully reporting an inaccurate, unverifiable, and entirely disputed collection account on my credit reports. This reporting constitutes a blatant violation of my consumer rights under federal and state law, inflicting substantial harm on my financial standing, creditworthiness, and professional endeavors as a real estate investor. 

The disputed account pertains to an alleged debt owed to XXXX XXXX XXXX, which NCS has reported as follows : - Original CreditorXX/XX/XXXX Collection Agency : National Credit Systems , Inc . 
- Account Number : XXXX - Reported Balance : {$15000.00} - Date Opened : XX/XX/year> I categorically dispute the validity, accuracy, and enforceability of this alleged debt in its entirety. The reported balance of {$15000.00} is not merely erroneous ; it is a predatory fabrication, inflated with unauthorized penalties, excessive fees, and other charges that are neither supported by my original lease agreement nor permissible under Florida landlord-tenant law ( Florida Statutes XXXX XXXX ). No such obligations were ever contractually agreed upon, and NCS has failed to provide any substantiation for these charges despite my prior disputes. This is not an innocent mistake but a deliberate and unconscionable attempt to coerce payment of a non-existent debt through credit reporting coercion. 

Specific Violations of Law NCS 's actions flagrantly violate multiple provisions of federal and state consumer protection statutes, including but not limited to : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : - Section 1692e ( 2 ) ( A ) : NCS has falsely represented the character, amount, and legal status of the alleged debt by reporting an inflated and unsubstantiated balance.

- Section 1692f ( 1 ) : NCS has attempted to collect amounts, including unauthorized fees and charges, that are neither expressly authorized by the underlying agreement nor permitted by law.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : - Section 1681s-2 ( b ) : As a furnisher of information to consumer reporting agencies ( CRAs ), NCS has a statutory duty to conduct a reasonable investigation upon receipt of a dispute and to delete or correct inaccurate information. NCS has willfully failed to fulfill this obligation, continuing to report verifiably false data without proper validation.

- Section 1681e ( b ) : The CRAs (XX/XX/XXXXand XX/XX/XXXX ) are required to follow reasonable procedures to ensure the maximum possible accuracy of reported information. The persistence of this patently inaccurate account on my reports evidences a systemic failure, for which NCS, as the furnisher, bears direct responsibility.

3. Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.55 et seq. : - Section 559.72 ( 9 ) : NCS has claimed, attempted, or threatened to enforce a debt it knows or should know is not legitimate, or has asserted the existence of a legal right it knows does not exist.

These violations are willful, as evidenced by NCS 's refusal to substantiate the debt or correct the reporting despite my repeated disputes. As a result, I have suffered tangible harms, including but not limited to : denial of credit extensions, increased interest rates on existing obligations, rejection of housing applications, and impediments to my real estate investment activities, all of which have caused quantifiable financial losses and emotional distress. 

Demands for Remedial Action To rectify these violations and mitigate further harm, I demand that the CFPB compel NCS to take the following immediate actions : 1. Permanent Deletion of the Account : NCS must instruct XX/XX/XXXX and any other CRAs to permanently delete the disputed account from my credit files in its entirety. Merely updating the status to " paid, '' " closed, '' or " disputed '' is insufficient and unacceptable, as the account 's very existence is illegitimate. 

2. Full Debt Validation : NCS must provide comprehensive validation of the alleged debt, including : - An itemized breakdown of every charge, fee, and penalty contributing to the {$15000.00} balance, with supporting documentation for each ; - A copy of the original signed lease agreement or contract authorizing these specific charges ; - Proof of assignment or transfer of the debt from XXXX XXXX XXXX to NCS ; and - Any communications or records demonstrating compliance with validation requirements under 15 U.S.C. 1692g.

Failure to furnish this validation within 30 days will confirm the debt 's invalidity and necessitate its immediate removal. 

3. Cessation of Collection Efforts : NCS must cease all further collection activities related to this account, including any communications, reporting, or attempts to enforce the alleged debt. 
4. Written Confirmation : NCS must provide written confirmation to me, via certified mail, that : ( a ) the account has been deleted from all credit reports ; ( b ) all collection efforts have ceased ; and ( c ) no further negative reporting will occur. A copy of this confirmation must also be sent to the CFPB for verification.

Notice of Intent to Pursue Legal Remedies Should NCS fail to comply with these demands within 30 days of receipt of this complaint, I intend to pursue all available legal remedies without further notice. This includes initiating a private lawsuit against NCS in federal or state court for willful and negligent violations of the FDCPA, FCRA, and FCCPA. I will seek : - Statutory damages up to {$1000.00} per violation under the FDCPA and FCRA ; - Actual damages for financial losses, credit denials, and emotional distress ; - Punitive damages for willful misconduct ; - Attorney 's fees and court costs pursuant to 15 U.S.C. 1692k and 1681n/o ; and - Any other relief deemed appropriate by the court.

I urge the CFPB to investigate NCS 's practices thoroughly, impose appropriate sanctions, and ensure accountability to prevent similar abuses against other consumers. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this complaint expeditiously. Please contact me at the above phone number or email address with any questions or updates. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation