Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems , Inc . 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Account / Reference No. : XXXX  XXXX Also : Request to Verify/Correct Furnished Information to Consumer Reporting Agencies To Whom It May Concern : I am writing regarding the above-referenced account that your company is reporting/attempting to collect in my name. This letter is to notify you, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I hereby request you * * immediately cease all communications with me * * regarding this alleged debt. After receipt of this letter, you must not contact me by phone, mail, electronic message, or any other means except as permitted by 1692c ( c ) ( for example, to notify me that you or your client intends to take a specific action such as filing suit ). ( [ XXXX XXXX XXXX ] [ 1 ] ) Additionally, I dispute the accuracy of the information you are furnishing about this account to consumer reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), furnishers must investigate disputes brought to them ( or via a consumer reporting agency ) and must correct or delete information that can not be verified as accurate. If you continue to furnish information about this account to any consumer reporting agency, please treat this letter as a formal dispute of the accuracy and completeness of the reported information and initiate any required investigation. If you can not verify the accuracy of the information you furnished, you must promptly correct or delete it with each consumer reporting agency to which you reported it. ( [ XXXX XXXX XXXX ] [ 2 ] ) To assist your investigation, please provide the following documentation within 30 days of receipt of this letter : 1. The name and address of the original creditor.

2. A complete account history showing the date the account was opened, the dates and amounts of all payments and charges, and the date of first delinquency ( if any ).

3. Copies of any signed agreement or contract bearing my signature that you allege authorizes this debt.

4. Documentation showing that you are authorized to collect this debt on behalf of the creditor ( assignment/chain of title ), if applicable.

5. The name ( s ) of any consumer reporting agencies to which you reported the account ( if not already known ).

Please provide your response and any supporting documentation in writing to the address shown above. Do not contact me by telephone. If you have already reported this account to any consumer reporting agency, please provide me with the name ( s ) of those agencies and the date ( s ) of reporting.

I prefer to resolve any inaccuracy or confusion without escalation. If you confirm that the information you furnished is accurate, please provide a clear explanation and the documentation that supports that conclusion. If you can not verify the accuracy of the information, please promptly notify all consumer reporting agencies to which you furnished the account so the inaccurate or unverifiable information will be removed or corrected. 

This letter is written without prejudice to any of my rights or defenses under federal or state law. I request written confirmation that you have received this letter and that you will cease communications as required by law, and that you will initiate any related verification or correction with consumer reporting agencies as required. Please respond within 30 days.

Company response to consumer: Closed with explanation