Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This complaint concerns an unlawful and inaccurate collection account being reported by National Credit Systems ( XXXX  ) on behalf of XXXX XXXX XXXX in XXXX, GA. The alleged balance of {$830.00} is based entirely on improper post-lease charges for normal wear and tear, including carpet cleaning, bathtub resurfacing, painting over patched nail holes, and general cleaning. Under O.C.G.A. 44-7-34, landlords can not charge tenants for ordinary wear and tear or deduct such amounts from a security deposit.

Crucially, the original creditors report shows the account was closed on XX/XX/XXXX, with a {$0.00} balance ( evidence attached ). This confirms there was no remaining debt to assign or collect, and any subsequent collection or reporting by XXXX is unlawful and unsupported. Despite this, XXXX opened a new collection account in XX/XX/XXXX, and I received no notice, communication, or documentation at that time. I only discovered the account through XXXX XXXX in XX/XX/XXXX, after being denied housing due to this false reporting. 

The original creditors records show the account was closed on XX/XX/XXXX, with a {$0.00} balance, meaning there is no valid debt to collect or report. Aside from the validation sent on XX/XX/XXXX, which was well beyond the five-day period required under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), the only written communication I have received was a settlement offer in XX/XX/XXXX. The documents provided by the law office of XXXX XXXX XXXX, not even XXXX, do not prove ownership, assignment, or authorization to collect, and they do not override the {$0.00} balance closure by the original creditor. 

This account was previously marked closed on my credit report XX/XX/XXXX but was then reactivated, further demonstrating noncompliance and unlawful reporting practices. By continuing to report and reinsert this account, XXXX is violating the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) ( 5 ) ( B ) ( unlawful reinsertion without notice ) and 623 ( a ) ( 1 ) ( furnishing inaccurate or unverifiable information ). These actions also violate FDCPA 807 ( 2 ) ( A ) ( false representation of the amount or legal status of a debt ).

To be clear, I am not requesting validation again. XXXX has already provided insufficient documentation long after the fact. This issue must now be resolved immediately not delayed further. 

I have repeatedly disputed this account through multiple verified letters, state and federal complaints, and direct settlement attempts, all of which have been ignored. This false, unverified reporting has caused ongoing harm, including repeated housing denials, financial damage, and emotional distress.

I am demanding that this account be immediately and permanently deleted from all credit reporting and tenant screening systems ( XXXX, XXXX, XXXX, and XXXX ) and that all collection and reporting activity cease at once. Written confirmation of deletion and closure must be provided.

This is my third CFPB complaint regarding this same matter. I am requesting full and final resolution within three business days, based on the attached proof that the original creditor closed my account with a {$0.00} balance and that XXXX continues to report and pursue an invalid debt.

Company response to consumer: Closed with explanation