Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am submitting this formal complaint against National Credit Systems , Inc. ( " XXXX '' ) for their unlawful attempt to collect a debt that has already been settled in full with the original creditor, XXXX  XXXX. 

Despite resolution of this matter with XXXX XXXX, XXXX is now : Attempting to collect on a settled debt, with no legal or contractual right to do so. 

Reporting a {$5000.00} outstanding balance to consumer credit reporting agencies ( CRAs ), which is false and materially misleading. 

Causing substantial financial harm, including interference with my ability to obtain housing, credit, and essential financial services. 

Background The debt originated from a residential lease managed by XXXX XXXX, and a settlement was reached on or around [ insert settlement date ], where all claims were resolved and/or satisfied. 

No notice of assignment, bill of sale, or contract has been provided by National Credit Systems. 

I have disputed this debt in writing, yet XXXX has refused to remove or validate the debt, in violation of federal and state law. 

As of this complaint, XXXX continues to furnish false derogatory information to XXXX, XXXX, and XXXX, reporting a balance that does not exist. 

Violations of Law Federal Violations Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e & 1692f 1692e ( 2 ) : Misrepresentation of the character, amount, or legal status of a debt.

1692e ( 8 ) : Reporting false credit information to CRAs.

1692f : Engaging in unfair or unconscionable means to collect a debt.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 Furnishing inaccurate or incomplete information to CRAs. 

Failure to correct or delete disputed data after investigation.

Consumer Financial Protection Act, 12 U.S.C. 5531 & 5536 Prohibits deceptive, unfair, or abusive acts and practices ( UDAAP ).

Georgia State Law Violations Georgia Fair Business Practices Act ( FBPA ), O.C.G.A. 10-1-393 et seq. 

Prohibits deceptive collection practices, misrepresenting rights, and false credit reporting.

Georgia Industrial Loan Act and common law doctrines of misrepresentation and malicious prosecution may also apply if continued false reporting persists after actual notice.

Relief Requested I respectfully request that the CFPB : Investigate National Credit Systems , Inc. for violations of the FDCPA, FCRA, and Georgia law. 

Compel XXXX to : Immediately cease all collection activity regarding this settled debt. 

Delete all false tradelines and furnish corrected information to the CRAs. 

Provide written confirmation that this debt has been closed and will not be re-reported or sold. 

Impose sanctions or penalties for their pattern of abusive and deceptive conduct. 

Supporting Documentation ( Attach where applicable ) : Copy of the settlement agreement or payment receipt with XXXX XXXX. 

XXXXredit reports showing XXXX erroneous tradeline. 

Copies of dispute letters sent to XXXX and responses ( or lack thereof ). 

Any correspondence with XXXX XXXX confirming settlement.

Company response to consumer: Closed with explanation