Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
Via Certified Mail From : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX To : National Credit System , Inc. 


Re : * * Second Request for Debt Validation and Proof of Assignment * * Account : XXXX XXXX XXXX XXXXXXXX {$8700.00} Alleged XXXX XXXX XXXX XXXX Balance * * -- - Dear National Credit System, This letter serves as my * * second and final demand * * for validation of the alleged debt referenced above under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *. 

I previously disputed this account, yet you failed to produce competent proof of ownership or liability. As I have * * no contract with National Credit System * *, you must demonstrate legal standing to collect. 

You are hereby required to provide : 1. A * * copy of any signed lease or agreement * * containing my * * wet signature * * that forms the basis of this alleged debt ; XXXX. A * * complete chain of assignment or title * *, showing all transfers or sales of this debt from * * XXXX XXXX XXXX XXXX * * to * * National Credit System * *, including dates, amounts, and authorization ; XXXX. Documentation confirming you are * * licensed and authorized to collect in Georgia * *. 

Failure to produce these documents within * * 30 days of receipt * * will confirm that this debt is * * unverified and unenforceable * *, and any continued collection or reporting will be treated as * * willful noncompliance * *. 

-- - * * Unauthorized Furnishing of Consumer Information * * Be advised that you have * * no permissible purpose * * under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ) * * to access, use, or furnish my consumer information without my * * express consent * * or a * * valid contractual relationship * *.

Your agencys continued reporting of unverifiable data constitutes * * unauthorized furnishing * * and a violation of * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * * ( duty to report accurate information ). 

Courts have repeatedly held that furnishing or obtaining consumer information without consent or a valid debt relationship violates both FCRA and privacy law : * * * XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) * * No permissible purpose exists where the consumer did not initiate the transaction giving rise to the debt. 
* * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) * * Accessing or reporting a consumers credit file without authorization violates FCRA. 
* * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) * * Debt collectors can not share or disseminate private consumer data absent consent or legal necessity. 

Therefore, any further credit furnishing, reporting, or third-party dissemination of my information absent verified consent will be treated as an * * unauthorized disclosure * * in violation of FCRA and FDCPA. 

-- - * * Civil Liability for Failure to Validate or False Reporting * * Under * * 15 U.S.C. 1692k * * ( Civil Liability ), any debt collector who fails to comply with the FDCPA is liable for * * actual damages * *, * * statutory damages up to {$1000.00} per violation * *, and * * attorneys fees and costs * *. Likewise, the * * FCRA 1681n and 1681o * * authorize recovery for * * willful or negligent noncompliance * * with its provisions. 

If you continue to report, collect, or share information that you can not substantiate with the requested documents, I will pursue * * legal action * * for damages arising from the publication of false credit data, invasion of privacy, and emotional distress. See : * * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) * * Consumers may recover damages for negligent reinvestigation of disputed accounts. 
* * * XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) * * Furnishers of inaccurate data may be held liable under FCRA. 
* * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) * * Willful failure to ensure accuracy of credit reporting supports civil damages. 

You are therefore on notice that * * failure to validate * * or * * continued reporting of inaccurate data * * after receipt of this letter will be treated as * * intentional misconduct * * and subject to full statutory and equitable relief in court. 

-- - * * Cease Collection Notice * * Under * * 15 U.S.C. 1692g ( b ) * *, all collection activity must * * cease * * until you mail the requested validation. 
You may contact me * * only by mail * * at the address above. 

Failure to comply will result in immediate complaint filings with the * * Consumer Financial Protection Bureau * *, the * * Federal Trade Commission * *, and the * * Georgia Attorney General * *, and will be documented for a private right of action under * * 15 U.S.C. 1692e, 1692f, 1692g * *, and * * 15 U.S.C. 1681n * *. 

-- - Sincerely, * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Disputed Account under * * FCRA 623 ( a ) ( 3 ) * *

Company response to consumer: Closed with explanation