Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I moved into the XXXX XXXX  my lease ended XX/XX/XXXX. There was an amount due of {$2800.00} upon move out that was shared between me and my roommate. Upon moving out, there was a payment plan of paying {$500.00} biweekly to the apartment directly before it was sent to a collection agency and after the payments were complete This account was still sent to the collections agency even after the full debt was paid off on XX/XX/XXXX. After bringing in the money to the leasing office I would be given a receipt and I still have all of the receipts from the transactions. Nothing was removed from the collections that was paid off so not only was I paying the debt off but apartment was receiving money and not reporting it. I also sent the credit agency national credit systems a cease and desist which I have included left with no response. XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Re : Notice to Cease and Desist Communication & Request for Debt Validation Pursuant to 15 U.S.C. 1692c ( c ) & 1692g To Whom It May Concern : I am contacting you regarding the alleged debt you claim I owe. Be advised of the following : 1. Cease and Desist Demand ( 15 U.S.C. 1692c ( c ) ) Under the Fair Debt Collection Practices Act, I hereby demand that you immediately cease all communication with me regarding this alleged debt, except as permitted by law. You may only : Inform me that your collection efforts are being terminated ; Notify me that you may invoke specified remedies ; or Notify me that you intend to invoke a specific remedy. 
Any other communication will be considered a violation of federal law and may result in legal action against your agency.

2. Debt Validation Request ( 15 U.S.C. 1692g ) Additionally, I dispute this alleged debt in its entirety and hereby request full validation of the debt. This includes, but is not limited to : The amount of the debt ; The name of the original creditor ; A copy of the original signed agreement or contract ; An itemized statement of charges, fees, and interest applied ; Proof that you are legally authorized to collect this debt in North Carolina. 

Until this information is provided, you are not permitted to continue collection activities, including reporting this debt to credit bureaus. 

Please note : This letter does not acknowledge the debt, nor is it a promise to pay. It is a formal dispute of the alleged debt and a lawful demand for you to cease communication until proper validation is provided. 

Failure to comply with this notice will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the North Carolina Attorney Generals Office, and I will pursue all remedies available to me under federal and state law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation