Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX NATIONAL CREDIT SYSTEMS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX Subject : Formal Notice of Dispute and Demand for Cease Reporting of Inaccurate Information * * To Whom It May Concern, I am writing to formally dispute the validity of a debt your agency is reporting under my name and to demand immediate cessation of its reporting to the credit bureaus. This negative item is unjustly affecting my creditworthiness and is now impeding my ability to obtain new credit and secure housing for my family.

Your agency has violated several provisions of the * * Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) * * and the * * Fair Credit Reporting Act ( 15 U.S. Code 1681 ) * * in your handling and reporting of this alleged debt. These violations include but are not limited to : # 1. * * Failure to Provide Proper Notice and Validation ( FDCPA 809 ( a ) ) * * You did not notify me within five days of your initial communication regarding this debt, nor did you provide the legally required validation notice, as required by * * 15 U.S.C. 1692g ( a ) * *. This notice must include the amount of the debt, the name of the original creditor, and a statement of my right to dispute the debt within 30 days.

# 2. * * Reporting Without Proper Verification ( FCRA 623 ( a ) ( 1 ) ) * * By reporting this alleged debt to the credit reporting agencies without verifying its accuracy or my liability, you are in violation of * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * *, which prohibits furnishing information to consumer reporting agencies if the furnisher knows or has reasonable cause to believe the information is inaccurate.

# 3. * * Lack of Consumer Consent or Permissible Purpose * * You have not obtained my consent to access or report information about this alleged debt, and there is no clear permissible purpose under * * 15 U.S.C. 1681b * * for doing so.

# 4. * * Case Law Support * * In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ), the court held that reporting a debt without verifying its validity and failing to comply with consumer dispute rights constitutes a violation of the FDCPA. Furthermore, in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX ), it was ruled that failure to provide validation before reporting to credit bureaus could form the basis of FDCPA violations. 

-- - # # # DEMAND FOR IMMEDIATE ACTION Accordingly, I demand that you : 1. * * Immediately cease and desist * * from reporting this alleged debt to any and all credit reporting agencies ( including XXXX XXXX XXXX XXXX XXXX 
2. * * Delete any and all existing negative entries * * related to this alleged debt from my credit reports.

3. * * Cease all collection activities * * until you can provide full validation of the debt, including : * The original creditors name and account number * A copy of the original contract bearing my signature * A complete payment history * Proof that you are legally authorized to collect this debt Failure to comply with these demands will result in my filing a formal complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my state Attorney Generals office. I will also consider seeking remedies under state and federal laws, including statutory damages for violations of the FDCPA and FCRA.

This letter shall serve as formal notice under the FDCPA that I dispute this debt and request its immediate removal from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation