Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against National Credit SystemsXXXX XXXX XXXX XXXX XXXX XXXX unlawfully reporting a negative item on my credit report, failing to provide any valid proof of the alleged debt, and repeatedly removing and re-adding the debt without proper investigation. These actions are in direct violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Background of the Dispute : National Credit SystemsXXXX XXXX XXXX XXXX XXXX XXXX reported a negative account to my credit report, claiming I owe a debt that I do not recognize. 
Upon my dispute, the company initially removed the negative item from my credit report but later re-added it without providing any documentation or proof of its validity. 
Despite my requests, they failed to provide any signed lease agreement, final account statement, payment records, or other supporting documents proving that I am responsible for this alleged debt. 
This ongoing issue has caused damage to my credit profile and financial reputation. 
Laws Violated by National Credit SystemsXXXXXXXX XXXX XXXX XXXX XXXX XXXX 1. Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681 et seq. ) Failure to Conduct a Reasonable Investigation ( 1681s-2 ( b ) ) : When a consumer disputes an account, the furnisher must conduct a meaningful investigation before verifying the debt. National Credit SystemsXXXX XXXX XXXX XXXX XXXX XXXX failed to do this. 
Failure to Provide Proper Debt Validation ( 1681g ) : Consumers have the right to request documentation supporting a debt. National Credit SystemsXXXX XXXX XXXX XXXX XXXX XXXX refused to provide any valid proof. 
Reinsertion of Previously Deleted Information ( 1681i ( a ) ( 5 ) ( B ) ) : A negative credit item can not be reinserted without notifying the consumer and certifying that the information is accurate. National Credit SystemsXXXX XXXX XXXX XXXX XXXX XXXX the debt without notifying me or providing verification, violating this section. 
Furnishing Inaccurate Information ( 1681s-2 ( a ) ) : Reporting a debt without verifying its accuracy violates the FCRA. 

2. Fair Debt Collection Practices Act ( FDCPA ) Violations ( 15 U.S.C. 1692 et seq. ) Failure to Validate Debt ( 1692g ) : Debt collectors must provide proof of a debt upon request. National Credit SystemsXXXX XXXX XXXX XXXX XXXX XXXX failed to do so. 
False or Misleading Representation ( 1692e ) : Reporting unverified debt and continuing collection efforts without proper validation constitutes misleading and deceptive conduct.

Unfair or Unconscionable Practices ( 1692f ) : Repeatedly adding and removing a negative debt without cause is an abusive practice that unfairly harms consumers. 

Demand for Immediate Action : I demand that National Credit SystemsXXXX XXXX XXXX XXXX XXXX XXXX 1. Immediately remove this unverified debt from my credit report with all credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Cease any further collection or reporting efforts unless they provide full validation, including a signed lease agreement, final account balance, and any payment history. 
3. Provide written confirmation that this debt has been permanently removed and will not be re-reported. 

Legal Action Notice : If this matter is not resolved within 15 days, I will take the following legal actions : File a lawsuit against National Credit SystemsXXXX XXXX XXXX XXXX XXXX XXXX violations of the FCRA, FDCPA, and any applicable state consumer protection laws, seeking statutory and punitive damages. 
Report this issue to the Federal Trade Commission ( FTC ) and the Attorney XXXX XXXX for deceptive and unfair business practices. 
Seek legal representation to pursue all available remedies, including monetary compensation for damages to my credit and financial reputation. 

I trust that the CFPB will take this matter seriously and ensure that National Credit SystemsXXXX XXXX XXXX XXXX XXXX XXXX with federal law. Please advise on any further steps I need to take regarding this complaint. I appreciate your prompt attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation