Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
Formal Notice of Dispute, Demand for Deletion, and Notice of Intent to Pursue Legal Remedies This correspondence serves as a formal and immediate dispute of the alleged rental debt currently being reported and/or collected. This is also a demand for deletion of the tradeline due to multiple violations of federal and state law. This notice is submitted pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). Account-Information : Landlord XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency : National Credit System Account # XXXX Amount Reported : XXXX NOTICE OF MATERIAL INACCURACY AND DISPUTE ( FCRA ) The above-referenced account is disputed in its entirety. The information being reported is inaccurate, incomplete, misleading, and unverifiable. You are hereby placed on notice that 1 ) no competent evidence has been provided establishing the validity of the alleged debt, 2 ) the reported balance is disputed and appears inflated and/or unauthorized under the governing lease, 3 ) the reporting of this account without proper verification constitutes negligent and/or willful noncompliance under the FCRA Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation. Failure to do so will be documented as willful noncompliance. XXXX XXXX XXXX XXXX UNDER XXXX XXXX Under XXXX XXXX XXXX XXXX, a landlord must provide a timely, written, itemized accounting of any alleged damages or deductions. No such legally compliant accounting has been provided. Failure to comply with these statutes : 1a ) Eliminates any lawful basis for retaining funds or asserting additional charges, 2a ) constitutes bad faith conduct, 3a ) Invalidates the alleged debt. Any continued attempt to collect or report this amount is therefore improper. FORMAL DEBT VALIDATION DEMAND ( FDCPA ) This is a formal demand for validation pursuant to 15 U.S.C. 1692g. You are required to provide : A complete, itemized accounting of all charges A copy of the executed lease agreement Proof of actual damages beyond normal wear and tear Documentation supporting the calculation of the alleged balance Proof of assignment and authority to collect Be advised : Failure to provide this documentation renders the debt unverified and legally uncollectible. PROHIBITED COLLECTION AND REPORTING CONDUCT Your actions may constitute, but are not limited to : Reporting inaccurate or unverifiable information ( FCRA violations ) Continuing collection activity without validation ( FDCPA violations ) Misrepresenting the character, amount, or legal status of a debt ( FDCPA 1692e ) Engaging in unfair or unconscionable collection practices ( FDCPA 1692f ) Additionally, any duplicate reporting, re-aging, or multiple tradelines for the same alleged debt will be treated as further violations. DEMAND FOR IMMEDIATE DELETION Given the absence of proper validation and legal foundation, I hereby demand : Immediate deletion of this account from all consumer reporting agencies Immediate cessation of all collection activity Written confirmation of deletion within fifteen ( 15 ) days If you are unable to provide complete and competent validation, you are required by law to delete this tradeline. NOTICE OF INTENT TO PURSUE LEGAL REMEDIES Be advised that failure to comply will result in escalation, including but not limited to : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and The Federal Trade Commission ( FTC ) Initiating civil litigation for willful noncompliance under the FCRA and FDCPA Seeking statutory damages, actual damages, punitive damages, and attorneys fees All further violations will be documented accordingly. his is an opportunity to cure your noncompliance. Govern yourself accordingly.

Company response to consumer: Closed with explanation