Consumer complaint received 2026-04-14 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: TX

Complaint narrative:
I am filing this complaint against National Credit Systems XXXX XXXX regarding a collection account being reported on my consumer credit reports that is inaccurate, unverified, and in violation of federal law. On XX/XX/year>, I sent a formal written dispute and demand for validation via certified mail to the address associated with National Credit Systems , XXXX . This correspondence was returned as Undeliverable Unable to Forward/ Attempted Not Known. This raises serious concerns regarding the legitimacy of this furnisher, as they are actively reporting information to consumer reporting agencies while being unreachable for validation or dispute resolution, which undermines the accuracy and reliability of the information being furnished. Despite my good faith effort to request validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act, National Credit Systems XXXX XXXX has failed to provide any documentation bearing my signature establishing contractual liability, any lease agreement or legally binding document, a complete and accurate itemization of the alleged balance, proof of lawful assignment or ownership of the alleged debt, or a valid and deliverable address for dispute correspondence. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ), a furnisher is prohibited from reporting information that is not accurate or can not be verified. Additionally, under XXXX ( b ), upon notice of a dispute, the furnisher is required to conduct a reasonable investigation and verify the accuracy of the information being reported. In this case, National Credit Systems XXXX XXXX has failed to meet these obligations. Furthermore, this account is associated with the address XXXX XXXX XXXX, XXXX, OH, which has already been disputed and removed from my XXXX credit report. The continued association of this account with previously removed and inaccurate personal information further demonstrates a failure to maintain reasonable procedures to ensure maximum possible accuracy as required under the Fair Credit Reporting Act. To my knowledge, I never entered into a legally binding agreement establishing financial responsibility for this alleged debt. I did not maintain a bank account at the time and made no payments toward this obligation. At this point, this account is unverifiable. Under the Fair Credit Reporting Act, any information that can not be verified must not be reported. Therefore, the continued reporting of this account constitutes the furnishing of inaccurate and unverifiable information. If National Credit Systems XXXX XXXX is unable to produce documentation bearing my signature establishing contractual liability, along with a complete and verifiable chain of assignment and itemized accounting, then this account must be considered unverifiable under the Fair Credit Reporting Act and must be immediately deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation