Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I am filing this urgent complaint against CREDIT SYSTEMS INTL IN, a debt collector operating from XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX, for engaging in a pattern of illegal, unlicensed, and deceptive debt collection practices that have directly harmed me in violation of federal consumer protection laws. 

This company has placed a collection account on my credit reports with XXXX, XXXX, and XXXX  for an alleged debt of {$190.00} that absolutely does not belong to me. I have never opened any account with XXXX  XXXX XXXX that resulted in this collection. I have never received any contract, statement, or validation notice regarding this alleged debt. This is either a case of mistaken identity or an outright attempt to collect on a debt they can not prove exists. 

Despite my formal written dispute sent via Certified Mail on XX/XX/XXXX, this company has continued to report and update this false information to the credit bureaus, which is a clear violation of federal law. They updated XXXX  on XX/XX/XXXX, just XXXX day after receiving my dispute, and updated XXXX  on XX/XX/XXXX, a full eight days later. These actions prove they received my dispute and chose to ignore it while continuing to harm my creditworthiness. 

The most damning evidence against this company is their complete lack of legal authority to operate in my home state of Georgia. On XX/XX/XXXX, I searched the XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX  XXXX  database and discovered that CREDIT SYSTEMS INTL IN has absolutely no license to collect debts in Georgia or any other state. The search returned " No matches found '' when searching for this company. This means every single collection activity they have directed at me is unlawful per se. They are operating as a rogue collection agency with zero regulatory oversight. 
The legal violations committed by this company are numerous and serious. Under the Fair Debt Collection Practices Act, they have violated 1692g ( b ) by continuing collection activity, specifically credit reporting, after receiving my written dispute and before providing any validation. The Fourth Circuit in XXXX XXXX Absolute Collection Services made crystal clear that reporting to credit bureaus constitutes collection activity.

They have violated 1692e ( 8 ) by reporting this disputed debt to all three credit bureaus without ever noting on my reports that the debt is disputed by the consumer. The Seventh Circuit just confirmed in XXXX  v. Security Credit Services, decided XX/XX/XXXX, that this section imposes a negligence standard, meaning they must exercise reasonable care to avoid reporting false information. Their failure to note my dispute is negligent and deceptive.

They have violated 1692f by engaging in unfair and unconscionable means to collect a debt, specifically by attempting to collect in Georgia without the required state license. The Eleventh Circuit in XXXX XXXX Unifund CCR Partners established that unlicensed collection activity is an automatic violation of 1692f. This is not a technicality, this is operating outside the law entirely.

Under the Fair Credit Reporting Act, they have violated 1681s-2 ( b ) by failing to conduct a reasonable investigation upon receiving notice of my dispute. The Fourth Circuit in XXXX XXXX Carter-XXXX, decided XX/XX/XXXX, held that furnishers must investigate both legal and factual inaccuracies. My dispute raises both : the debt is not mine factually, and they lack legal authority to collect it. They ignored both.

They have also violated 1681s-2 ( a ) ( 1 ) ( A ) by furnishing information they know or should know is inaccurate. The reporting across the three bureaus is internally inconsistent : XXXX  shows " Unpaid, '' XXXX  shows " Collection account, '' and XXXX  shows no status at all. This alone proves they are not reporting with the " maximum possible accuracy '' required by XXXX XXXX Branch Banking & Trust Co.

Company response to consumer: Closed with explanation