Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX National Credit Systems XXXX XXXX XXXX XXXXXXXX XXXX XXXX Re : Debt Validation Request and Cease & Desist Formal Notice of Dispute To Whom It May Concern, I am in receipt of your recent communication regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, this letter serves as my formal dispute of this debt and a request for full validation. I do not acknowledge ownership or liability for this alleged obligation and demand strict proof of your legal standing to collect. I formally request the following documentation : 1. Proof of Ownership and Legal Standing - A signed agreement bearing my signature creating the obligation. - A complete chain of title, including the bill of sale and assignment from the original creditor to your agency. - The full purchase agreement detailing the sale of the debt. 2. Full Debt Validation & Itemized Accounting - A detailed ledger from the original creditor. - A breakdown of the amount claimed and how it was calculated. 3. Securitization Verification - Confirmation of whether the debt has been securitized. - Identification of any associated trust, pool, or financial instrument. - Related documents such as pooling and servicing agreements. 4. Collector Authorization - A copy of your companys state license to collect in XXXX. - Any agreements authorizing you to collect on behalf of the original creditor. 5. Consumer Rights Compliance - All notices of assignment or sale. - Any arbitration agreements or jurisdiction clauses applicable to this alleged debt. Cease & Desist Notice : Under 15 U.S.C. 1692c ( c ), I am also invoking my right to demand that you CEASE AND DESIST from any further communication with me regarding this or any other alleged debt, except as required by law. This includes but is not limited to phone calls, emails, letters, or third-party contact. Continued collection efforts without validating this debt or ignoring this cease and desist demand may constitute willful noncompliance and harassment under federal law. Final Demand : Until you provide the complete documentation above : - I do not acknowledge any debt or obligation to your agency. - You must cease all collection activity, including credit reporting and communication. - This account must be marked as disputed with all credit bureaus per 15 U.S.C. 1692e ( 8 ). Failure to comply will result in complaints filed with the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and other regulatory bodies. I reserve the right to take legal action for any violations of the FDCPA, FCRA, or other applicable laws. Please respond in writing within 30 days from the date of your receipt of this request. If you can not validate this debt with legal evidence, I expect confirmation that the account has been closed and any related credit reporting has been deleted. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation