Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Company : National Credit Systems Issue : Debt collection | Attempts to collect debt not owed Additional : XXXX XXXX XXXX THE PROBLEM National Credit Systems has been reporting an unvalidated debt for nearly 2 years despite admitting they have validation documents and receiving two certified validation requests from me.

he {$21000.00} collection is an early termination fee from XXXX XXXX. 

Critical Context : I terminated my lease after XXXX XXXX failed to repair a sewage/water issue in my unit for over 3 months, creating uninhabitable living conditions. 

Under Florida Statutes 83.60 ( 1 ), when a landlord fails to maintain habitable premises, tenants have the right to terminate the lease without penalty. 

XXXX charged me a {$21000.00} early termination fee despite : - Their failure to maintain habitable conditions for 3+ months - My document ( photos and video ) complains about the sewage/water issue - Florida law gives me the right to terminate without penalty National Credit Systems is attempting to collect on a debt that arose from XXXX 's violation XXXX Florida landlord-tenant law XXXX 

This makes NCS 's failure to validate even more egregious - I can not verify whether I legally owe this {$21000.00} fee without documentation showing : - The lease terms regarding early termination - Timeline of the habitability issues - Whether XXXX ever fixed the sewage/water problem - Whether I properly exercised my legal right to terminate KEY DATES XX/XX/XXXX : Filed first CFPB complaint XXXX responded XXXX " The original creditor... has provided documentation supporting the charges '' NCS admitted having documents but never sent them XX/XX/XXXX : Sent first certified validation request ( Tracking # XXXX ) No response XX/XX/XXXX : Sent second certified validation request No response XX/XX/XXXX : 399 days since NCS admitted having documents Still no validation provided FDCPA requires response within 30 days - they're 369 days late CREDIT BUREAU DISPUTES Filed four separate disputes with Experian : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Plus multiple disputes with XXXX  and XXXX. 

Result : All bureaus " verified '' using automated XXXX  system despite NCS never providing validation.

THE DEBT AMOUNT AND TIMELINE : Amount : {$21000.00} Date Collection Started : XX/XX/XXXX ( over 26 months ago ) Current Status : Still actively reporting as of XX/XX/XXXX All three credit reports show dispute notations : - XXXX  : " Account information disputed by consumer, meets FCRA requirements '' - XXXX  : " Customer disputed account - reported by subscriber '' - XXXX  : " Consumer disputes this account information '' Despite these documented disputes visible on the reports themselves, and despite NCS 's XX/XX/XXXX admission they have " documentation, '' they continue reporting this {$21000.00} collection without ever providing validation to me. 

This has caused severe credit damage for over 26 months on a substantial debt that was never properly validated. 

THE VIOLATIONS NCS - FDCPA 809 ( b ) : Admitted having documents XX/XX/XXXX 399 days later, still hasn't sent them Ignored two certified validation requests 369 days past FDCPA 's 30-day requirement Willful violation with written proof Credit Bureaus - FCRA 611 ( a ) ( 1 ) ( A ) : Relied on automated systems instead of reasonable investigation Verified four times despite no validation from NCS Ignored my evidence of NCS 's failure to validate WHY THIS MATTERS FDCPA requires debt collectors to validate debts within 30 days when requested.

NCS admitted having documents on XX/XX/XXXX. That was 399 days ago. They're 369 days late. 

They ignored two certified validation requests in XX/XX/XXXX. 

The credit bureaus have verified this unvalidated debt four times using automation. 

This is willful violation of federal law with written evidence spanning over 1 year. 

I need CFPB intervention to enforce my legal rights.

Company response to consumer: Closed with explanation