Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation To Whom It May Concern I am writing in response to a notice I received from your company regarding an alleged debt that you claim I owe. I am formally requesting validation of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following information regarding the debt : 1. The name and address of the original creditor.

2. A detailed explanation of the amount owed, including any interest, fees, or other charges 3. Proof that you are authorized to collect this debt on behalf of the original creditor.

4. Any documentation that shows I am legally obligated to pay this debt.

5. My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 
6. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.

Proof of photo identification ( i.e., drivers license, state identification card, or other governmental issued identification card ) That was presented to you at the time of incurring this debt. 

Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, And documents conferring authority to collect this debt. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. 


Per the FDCPA, I request that all collection activities cease until this debt has been properly validated. If you can not provide the requested information, I ask that you immediately cease collection efforts and correct any information that may have been reported to credit reporting agencies. 

Please send all correspondence regarding this matter to the address listed above. I will await your response before making any further decisions regarding this account. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation