Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am requesting immediate removal of this collection account from all credit reporting agencies because the debt collector ( National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX ) reported and continued collection activity on a disputed account before providing proper validation after a timely written dispute and request for validation. The account has been reported on the credit files of two consumers, myself and my son. Despite repeated written and verbal requests for validation and attempts to resolve this matter in good faith, the company proceeded with credit reporting without substantiating the alleged debt or providing the requested validation as required under the Fair Debt Collection Practices Act, and further provided materially contradictory information regarding validation and credit reporting practices. I timely disputed this alleged debt in writing on XX/XX/XXXX, and requested validation pursuant to my rights under federal law. On XX/XX/XXXX, the company sent a letter stating that it was enclosing information provided by XXXX XXXXXXXX XXXX. No enclosure was included. The letter consisted of a single page and did not provide any documentation, itemization, lease, or supporting evidence. This correspondence did not constitute validation of the alleged debt. Despite my written dispute and the absence of proper validation, the company reported this account to the credit reporting agencies on XX/XX/XXXX. On XX/XX/XXXX, I spoke with a representative named XXXX. During that call, XXXX stated that the account had been reported because I had requested a cease and desist, which is incorrect and not stated anywhere in my written correspondence. During the same call, XXXX acknowledged receipt of my dispute and request for validation but could not explain why validation had not been provided, effectively confirming that no validation had been sent despite my request. During that same conversation, XXXX stated that if I paid the balance in full, the account would be deleted from all credit bureaus, but that the company would not provide written confirmation of this agreement and that I should rely on the recorded call as proof. I declined to rely on an oral representation and requested supervisory review. On XX/XX/XXXX, I spoke with an individual identifying herself as a supervisor named XXXX, who stated that the account would not be deleted under any circumstances. This directly contradicted the representations made the prior day. XXXX also stated that validation had been sent on XX/XX/XXXX, which is not credible because my dispute had not yet been received at that time and no such validation was ever received. Moreover, this statement directly conflicted with the information provided by XXXX the day before, when she acknowledged receipt of my validation request but could not explain why validation had not been sent. It was not until XX/XX/XXXX, after the account had already been reported to the credit bureaus and after several additional follow-up calls from me requesting validation, that the company mailed documents that appear to be an attempt at validation, including a lease agreement and billing materials. On XX/XX/XXXX I escalated my complaint to the CEO via email, and offered to resolve in good faith if they removed the reporting despite their failure to validate as required, They never replied. After reporting the account, the company continued collection activity and emailed an offer to settle the alleged balance for 50 percent if paid by XX/XX/XXXX. When I again requested written confirmation that payment would result in removal of the account from my credit reports, the representative refused, stated that such arrangements were not offered, told me I was wasting their time, and terminated the call. This sequence of events demonstrates that the company reported the account and continued collection efforts before providing proper validation in response to a timely written dispute, while also providing inconsistent and misleading information regarding my rights and available resolutions. I dispute the validity and amount of this alleged debt. Regardless, my primary concern is that the account was reported without compliance with validation requirements after a timely dispute. I request that this collection account be removed from all credit reporting agencies and corrected for both affected consumers. I request that the company investigate this matter, correct the reporting, and confirm removal of this account from all consumer reporting agencies for both affected consumers. I have all supporting documents available upon request

Company response to consumer: Closed with explanation