Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am submitting this complaint because National Credit Systems ( NATLCRSYS ) is reporting a collection account on my credit file that I do not own, did not authorize, and have never received validation or documentation for. The presence of this account has caused serious damage to my credit profile, and despite multiple disputes and requests for verification, NATLCRSYS has failed to provide the legally required information to substantiate the debt. Because NATLCRSYS continues to furnish this unverified and fraudulent information, I filed an FTC identity theft report, as I do not own this account and believe it may be the result of identity theft, misattribution, or inaccurate reporting. 

To begin, I first became aware of the NATLCRSYS account when I reviewed my credit report. Prior to seeing it appear there, I had never received any written notices, billing statements, communication attempts, or debt validation letters from NATLCRSYS. I did not receive a notice of assignment, a notice of debt placement, or any form of required initial communication. Under federal law, debt collectors are required to send written notice within five days of first contact, but NATLCRSYS never contacted me prior to reporting this account. The lack of notice is the first indication that NATLCRSYS has not complied with its legal obligations and that the reporting may be inaccurate.

Because I did not recognize the debt, I immediately disputed the NATLCRSYS entry with the credit bureaus. In my initial dispute, I clearly stated that I do not own this account and requested that NATLCRSYS provide documentation proving ownership. I explained that without being shown any proofsuch as contracts, leases, payment records, or noticesI could not accept the validity of the debt. 

The credit bureaus later informed me that NATLCRSYS had verified the account. However, this verification did not include any documentation. NATLCRSYS did not provide : A copy of any lease agreement allegedly bearing my signature Copies of move-in or move-out documents Itemized balances Proof of charges Payment histories Ledger statements Records of damage claims Copies of bills from the original apartment complex A notice of collection placement Proof of required notifications A debt validation letter NATLCRSYS did not provide any evidence at all. Without documentation, a verification response is legally insufficient. The credit bureaus rely on the furnisher to conduct a reasonable investigation, but NATLCRSYS has not demonstrated that such an investigation occurred. 

When NATLCRSYS verified the account, I still had not received a single document directly from them. Because I do not own this account and because I have no record of ever owing a debt to this company or the alleged original creditor, their refusal to provide verification is deeply concerning. It suggests that NATLCRSYS may not have the proper records, may have the wrong consumer, or may be attempting to collect a debt that is not valid.

Following the first dispute, I submitted additional disputes. In each one, I repeated that I do not own the account and that NATLCRSYS must provide documentation. Again, each dispute came back verified without evidence. NATLCRSYS did not reach out to me, did not provide any validation, and did not send any letters. Their silence and refusal to provide documentation indicate that they did not properly investigate or validate the debt. 

Because NATLCRSYS repeatedly refused to provide proof and because their reporting did not match anything in my financial records or rental history, I became increasingly concerned that the account could be the result of identity theft or a mixed file. For this reason, I filed a formal complaint with the Federal Trade Commission ( FTC ) stating that I do not own this account and that my identity may have been used improperly or inaccurately reported. Filing this report is a serious action, and I did so because NATLCRSYS behavior strongly suggested that the account did not originate from me.

When a consumer files an FTC identity theft report, federal protections are triggered. Collection agencies like NATLCRSYS must : Block the disputed information Provide documentation Conduct enhanced investigation Stop reporting unless the account is proven with evidence NATLCRSYS has not honored these obligations. They have continued to report the account even though they have not provided documentation or validation as required.

Additionally, the details reported by NATLCRSYSincluding dates, balances, and collection amountsdo not match anything in my history. I have no record of renting from the alleged property. I never received any move-out charges. I never received a security deposit claim. I never received a letter stating a balance had been turned over to collections. The reported amounts appear arbitrary and unconnected to my actual financial transactions.

If NATLCRSYS truly believed I owed this debt, they should have documentation to support it. A legitimate apartment balance would include : A signed lease A ledger detailing charges Move-out inspection forms Proof of damages Final statements Notices sent to the consumer Payment records NATLCRSYS has provided none of these. A reasonable investigation requires examining these documents, but NATLCRSYS seems to have simply confirmed the account internally without reviewing any originals.

Another concern is that NATLCRSYS has not shown any proof of identity verification from the original creditor. If a lease was supposedly signed, they should be able to provide : A copy of the lease agreement Drivers license verification logs Identification used at signing Application details Contact information provided to the landlord None of these have been provided, increasing the likelihood that NATLCRSYS either has the wrong consumer or does not possess the required evidence.

Additionally, NATLCRSYS has never shown proof that they are legally authorized to collect on this alleged debt. They have not provided : A bill of sale A transfer agreement Assignment documentation A contract from the original creditor Without these documents, NATLCRSYS can not demonstrate legal standing to collect or report the debt. Reporting without proof of assignment is inaccurate and harmful.

Because NATLCRSYS has furnished negative information without validation, my credit score has suffered significantly. The NATLCRSYS collection account appears as a derogatory entry, affecting my creditworthiness and causing me to be denied credit. These consequences are unfair, especially because I do not own this account and NATLCRSYS has not proven otherwise.

Because of the unresolved harm, NATLCRSYS lack of proof, and their failure to follow identity theft laws, a fair resolution must correct these issues entirely. A fair resolution must begin with the complete deletion of the NATLCRSYS account from all credit bureaus unless they can provide verified, original documentation that proves the account is legitimately mine. Because I filed an FTC identity theft report saying that I do not own this account, the burden of proof lies fully with NATLCRSYS.

A fair resolution also requires that NATLCRSYS provide all documents they claim to have used in any investigation. If they state that they verified the account, they must show exactly what information they reviewed, including : Copies of any alleged lease agreements Payment records Transaction details Records from the original creditor Identity verification materials If these documents do not exist, NATLCRSYS must acknowledge that they can not validate the debt.

Additionally, NATLCRSYS must provide proof that they sent the legally required initial validation notice. If NATLCRSYS can not produce a copy of the notice or proof of mailing, they did not follow the law. A fair resolution must require NATLCRSYS to either provide this notice or admit that they failed to send it.

A fair resolution must also require NATLCRSYS to : Remove all inquiries connected to the fraudulent account Stop all collection activity Cease reporting during the investigation Comply fully with identity theft blocking procedures NATLCRSYS must also implement internal improvements to ensure accurate reporting in the future. These improvements should include : Enhanced identity verification procedures Improved dispute-handling processes Mandatory documentation review before verification Better communication with consumers Stronger fraud detection protocols A fair resolution must require NATLCRSYS to provide written confirmation of their final findings. This confirmation should explain : Whether documentation exists Whether the account is valid Whether the account is deleted What steps were taken to investigate Whether internal errors occurred Transparency is essential because NATLCRSYS prior actions have shown a complete lack of evidence and accountability. 

Because I do not own this NATLCRSYS account and because I filed FTC as I do not own this, a fair resolution requires NATLCRSYS to either validate the account with complete documentation or delete it permanently. 

Anything less would allow inaccurate, unverified information to remain in my credit file and cause continued harm. The CFPB must require NATLCRSYS to comply with the law and provide full validationotherwise, permanent deletion is the only just and lawful outcome.

Company response to consumer: Closed with explanation