Consumer complaint received 2026-05-06 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:
I am filing this complaint against National Credit Systems , Inc. regarding a rental/apartment collection account that is being reported on my consumer credit file. I mailed a written request for validation of this alleged debt to the address National Credit Systems is furnishing and/or listing in connection with this account on my credit report. My validation request was returned to me by the post office as undeliverable and marked Return to Sender Attempted Not Known. This is a serious issue. National Credit Systems is reporting a negative collection account on my credit file while using an address that does not allow me to properly submit a written dispute or validation request. If the company is going to furnish and collect this account, it must provide accurate contact information that allows consumers to exercise their rights. Because the address provided for National Credit Systems was invalid or undeliverable, I was blocked from properly disputing and requesting validation of the alleged debt. I attempted to use the address available to me through the credit reporting information, but the letter was returned as undeliverable. This raises serious concerns about the accuracy and reliability of the information being furnished. This account remains unsupported and unverifiable. National Credit Systems has not provided a lease agreement, rental contract, complete resident ledger, move-out statement, itemized balance, proof of charges, proof of authority to collect, or proof that the amount being reported is accurate and legally owed. Under 15 U.S.C. 1692g ( b ), when a consumer disputes a debt in writing and requests verification, a debt collector is required to stop collection activity until verification of the debt is mailed to the consumer. I attempted to submit that written dispute and validation request, but the companys own reported/contact address was undeliverable. A collector should not be allowed to continue reporting and collecting while furnishing or using an address that prevents the consumer from exercising validation rights. This conduct also raises concerns under 15 U.S.C. 1692e, because continuing to represent that this account is valid, collectible, and properly reportable while failing to provide a valid dispute address and failing to provide validation is false, deceptive, or misleading. It also raises concerns under 15 U.S.C. 1692e ( 2 ) ( A ) because National Credit Systems is representing the character, amount, or legal status of a debt that has not been verified and could not even be disputed through the address the company provided. This also raises concerns under 15 U.S.C. 1692f ( 1 ) because National Credit Systems is attempting to collect an amount without providing documentation that the amount is authorized by a lease agreement, rental contract, or applicable law. If National Credit Systems is furnishing this account to the credit reporting agencies, it also has responsibilities as a furnisher. After a credit reporting dispute, a furnisher must conduct a reasonable investigation and correct, delete, or modify information that is inaccurate, incomplete, or unverifiable under 15 U.S.C. 1681s-2 ( b ). Reporting an account with an invalid or undeliverable dispute address creates an accuracy issue and makes the account unverifiable. The issue is not simply that my letter was returned. The issue is that National Credit Systems is using or furnishing inaccurate contact information while continuing to report a damaging collection account. That prevents a fair validation process and makes the account unreliable and unverifiable. I am requesting that National Credit Systems delete this account from all consumer reporting agencies unless it can prove the debt with complete documentation and confirm a valid address for consumer disputes.

Company response to consumer: Closed with explanation