Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington, D.C. 20552 I am writing to formally dispute the debt claimed by National Credit Systems.. I categorically deny owing this debt, and I am requesting an immediate investigation into this matter. The debt in question occurred more than six years ago, and under Arizona law, A.R.S. 12-548, the statute of limitations for written debt contracts, including apartment leases, is six years. Since this debt occurred over six years ago, I believe it is no longer legally enforceable, and I have supporting documentation to prove this.

I request that the Consumer Financial Protection Bureau ( CFPB ) take appropriate action to ensure that this debt is thoroughly investigated, and I demand the removal of any and all information regarding this alleged debt from my credit file.

In addition, I formally revoke all rights of communication related to this debt, including any and all phone calls, text messages, and emails. I believe that these communications violate my rights under the following consumer protection laws, and I request that you act to prevent further violations.

Consumer Laws : 12 CFR 1006.34 ( b ) ( 5 ) This law prohibits debt collectors from communicating with a consumer in a manner that is inconsistent with legal requirements. This includes harassing or otherwise unlawful communication practices.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) This regulation prohibits debt collectors from contacting a consumer after the consumer has requested that communications cease. I am hereby requesting that all forms of communication regarding this alleged debt cease immediately.

12 CFR 1006.34 ( d ) According to this provision, once a consumer requests that a debt collector stop communicating, the collector must immediately cease all communication. I am making this request and expect it to be honored immediately.

15 USC 1681-S2 ( 7 ) ( A ) The Fair Credit Reporting Act requires that furnishers of information, including collection agencies, conduct a reasonable investigation into any disputed debt and ensure that accurate information is reported. If this debt is inaccurate or outdated ( which I believe it is ), they are in violation of this provision.

Request for Validation of Debt Proof of the original purchase agreement between the collection agency and the original creditor, including any documentation showing the transfer of debt.

A detailed breakdown of the alleged debt, including any interest, fees, or other charges, along with the dates these charges were applied.

Evidence that this debt is within the statute of limitations and that I am still legally obligated to pay it.

I assert that the debt is no longer valid due to the expiration of the statute of limitations, and I request that this debt be immediately removed from my account and any relevant credit reporting agencies. Please ensure that all records of this debt are corrected or erased in accordance with the law.

As noted above, I revoke any and all rights of communication regarding this alleged debt, including but not limited to phone calls, emails, and text messages. I am exercising my legal right to stop all communications, and I ask that you honor this request in compliance with applicable laws.

I trust that the CFPB will take immediate action to investigate this matter and ensure that my rights are fully upheld. Please confirm that the debt will be removed from my account and any credit reporting agencies and that all communication related to this matter will cease. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation