Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Request for Debt Validation Account Number : N/A Dear XXXX, I am writing in response to your communication dated [ insert date ] regarding an alleged debt. I do not acknowledge owing this debt, and I am requesting that you provide validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : The name and address of the original creditor. 


The amount of the alleged debt, including an itemization of interest, fees, and other charges. 


Proof that I am legally obligated to pay the debt ( e.g., a copy of the signed contract or agreement ). 


Evidence that you are licensed to collect debts in my state, including your license number and registered agent. 


A complete payment history, showing how the amount you claim was calculated. 


Until you provide this validation, you must cease all collection activities, including reporting this alleged debt to credit reporting agencies, or continuing to contact me about it. 
Please send all correspondence regarding this matter to me in writing at the address listed above. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : N/A Dear XXXX I am writing in response to your communication dated [ insert date ] regarding an alleged debt. I do not acknowledge owing this debt, and I am requesting that you provide validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : The name and address of the original creditor. 


The amount of the alleged debt, including an itemization of interest, fees, and other charges. 


Proof that I am legally obligated to pay the debt ( e.g., a copy of the signed contract or agreement ). 


Evidence that you are licensed to collect debts in my state, including your license number and registered agent. 


A complete payment history, showing how the amount you claim was calculated. 


Until you provide this validation, you must cease all collection activities, including reporting this alleged debt to credit reporting agencies, or continuing to contact me about it. 
Please send all correspondence regarding this matter to me in writing at the address listed above. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation Account Number : N/A Dear XXXX I am writing in response to your communication dated [ insert date ] regarding an alleged debt. I do not acknowledge owing this debt, and I am requesting that you provide validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : The name and address of the original creditor. 


The amount of the alleged debt, including an itemization of interest, fees, and other charges. 


Proof that I am legally obligated to pay the debt ( e.g., a copy of the signed contract or agreement ). 


Evidence that you are licensed to collect debts in my state, including your license number and registered agent. 


A complete payment history, showing how the amount you claim was calculated. 


Until you provide this validation, you must cease all collection activities, including reporting this alleged debt to credit reporting agencies, or continuing to contact me about it. 
Please send all correspondence regarding this matter to me in writing at the address listed above. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation