Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
I am writing to follow up on my previous complaint ( s ) against National Credit Systems ( XXXX  ) regarding their failure to provide proof that they own the alleged debt they are attempting to collect from me, as well as their violation of laws in reporting this debt to my credit report without proper validation. 
After submitting my initial complaint to the CFPB on XX/XX/year>2024 ( XXXX ), XXXX took the full 60 days to respond. However, their response did not resolve my issue. Instead of providing the necessary proof that they own the alleged debt and deleting the erroneous item from my credit reports, XXXX only provided a lease and a move-out statement. These documents do not constitute proof of debt ownership or validation as required by the Fair Debt Collection Practices Act ( FDCPA ). 

As outlined in the FDCPA, a debt collector must provide, upon request, validation of the debt, which includes : XXXX. Proof that the debt exists. 
XXXX. Evidence that the debt is legally owned by the debt collector. 

XXXXs failure to provide this validation remains a direct violation of the FDCPA. Furthermore, the lack of proper validation documentation raises serious concerns about the legitimacy of the debt they claim I owe. The only piece of communication I have received from XXXX is a single email on XX/XX/scrub> 2024 stating that I have failed to make arrangements for this alleged debt and it will soon report on my credit reports. XXXX has not properly notified me of this alleged debt, which is another violation of the FDCPA. 

On XX/XX/scrub> 2024, I dispatched a formal letter to National Credit Systems requesting legal documentation substantiating their ownership of the debt in question. Additionally, I requested that XXXX remove the item from my credit reports. Regrettably, XXXX has yet to furnish the requested information and has persisted in violating the law by failing to validate the alleged debt. 
Despite their non-compliance with my validation request and proper notification, XXXX has reported this alleged debt to the credit bureaus, negatively impacting my credit score and overall credit report. This action appears to be in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and substantiated debts can be reported to the credit bureaus. 

I am requesting that the CFPB re-investigate NCSs practices regarding : XXXX. Their failure to provide proof of debt ownership and validation as required by the FDCPA. 
XXXX. Their failure to properly notify me of the alleged debt. 
XXXX. Their reporting of unverified debt to the credit bureaus in potential violation of the FCRA. 
I kindly request that the CFPB assist in resolving this matter by ensuring that XXXX complies with federal regulations and that the erroneous information is removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation