Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/2025 To : National Credit Systems XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Request for Debt Validation under FDCPA 809 ( b ) Account/Reference Number : XXXX Dear National Credit System, I am writing in response to a notice I received from your agency regarding an alleged debt purportedly owed to XXXX XXXX XXXXXXXX. This letter serves as a formal request for validation of the alleged debt, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 

Please consider this letter a dispute of the alleged debt in its entirety, and a request that you provide full validation and verification before any further collection activity is pursued. 

Until you provide the documentation requested below, you must cease all collection activity, including reporting to credit bureaus, telephone calls, or any written communication, except for providing the requested validation as required by law. 

XXXX. Verification of the Alleged Debt Please provide the following : The amount of the alleged debt, including a complete breakdown of : Principal balance Any interest, late fees, penalties, or other charges, with an explanation of how these amounts were calculated. 

The name and address of the original creditor, including the property name and address related to this debt. 

A complete and legible copy of the original lease agreement and any amendments, renewals, or termination documents signed by me. 

An itemized list of charges claimed, including : Rent owed ( with exact dates ) Any alleged property damages ( with itemized repair invoices, receipts, and move-out inspection reports ) Any cleaning, replacement, or other fees Proof of ownership or assignment, demonstrating that your agency has the legal right to collect this debt, such as : A copy of the assignment or purchase agreement from the original creditor to your agency Documentation showing the chain of title or ownership of the debt. 

Proof of my liability, including : Copies of any correspondence between myself and the landlord or property manager Move-in/move-out inspection reports signed by both parties ( if applicable ) Any notices of damage or charges sent to me before this alleged debt was assigned. 

XXXX. Notice Regarding Credit Reporting Please also confirm in writing whether this alleged debt has been reported to any credit reporting agencies. If it has, note that continuing to report unverifiable information to a credit bureau after receipt of this dispute letter may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and the FDCPA. 

If you have reported this debt to any credit bureau, please immediately : Mark the account as disputed, and Refrain from further reporting until the debt is properly validated. 

XXXX. Cease and Desist Notice If you continue any collection activity, including phone calls or further correspondence, without providing full validation, such activity will be documented and considered a willful violation of the FDCPA. Please limit all communications to writing and send them to the address listed above. 

XXXX. Legal Reminder Under the FDCPA, you are required to cease collection of this debt until you have mailed the requested validation. If you fail to provide proper verification or continue collection activity without doing so, you will be in violation of federal law, and I will not hesitate to exercise my rights by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation