Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Against National Credit System for Violations of the Fair Debt Collection Practices Act and Unlawful Credit Reporting Dear Sir/Madam, I am writing to file a formal complaint against National Credit System , located at XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, GA XXXX, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and unlawful reporting of a debt to consumer credit reporting agencies. These actions have severely impacted my ability to obtain credit and secure housing for my family. 

1. Failure to Provide Required Notice Under the FDCPA, specifically 15 U.S.C. 1692g ( a ), a debt collector is obligated to send a written validation notice within five days of the initial communication. This notice must include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement informing the consumer of their right to dispute the debt within 30 days. 

To date, I have not received any such notice from National Credit System. Their failure to provide this information constitutes a clear violation of the FDCPA.

2. Unlawful Reporting to Credit Bureaus The FDCPA, under 15 U.S.C. 1692g ( a ) ( 3 ), prohibits debt collectors from reporting a debt to credit bureaus before providing the required validation notice. National Credit System reported this alleged debt to XXXX  on XX/XX/year>, without first sending the mandated validation notice. This premature reporting is unlawful and has unjustly damaged my creditworthiness. 

3. Lack of Authorization to Report Furthermore, National Credit System did not obtain my prior consent to report this debt to credit bureaus. As per the Consumer Financial Protection Bureaus regulations, specifically 12 C.F.R. 1006.6 ( b ) ( 4 ) ( i ), a debt collector must obtain direct consent from the consumer before reporting a debt to a credit reporting agency. National Credit System failed to secure such consent, rendering their actions unlawful.

4. Impact on My Familys Well-being The negative impact of this unlawful reporting has been profound. My credit score has been adversely affected, making it challenging to secure necessary credit and housing for my family. This situation has caused significant emotional and financial distress.

Requested Actions I respectfully request the following actions : 1. Immediate cessation of all credit reporting activities related to this alleged debt.

2. Removal of any and all entries related to this debt from my credit reports with TransUnion.

3. A formal written apology from National Credit System acknowledging their violations of the FDCPA and their unlawful reporting practices.

4. Compensation for any damages incurred due to these unlawful actions. 

I have attached copies of my credit reports highlighting the disputed entries and any correspondence received from National Credit System for your review.

Thank you for your attention to this serious matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these violations and prevent further harm. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation