Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against National Credit Systems ( NCS ) for knowingly and repeatedly furnishing false information to credit reporting agenciesspecifically Equifaxconcerning a rental debt allegedly owed to XXXXXXXX XXXX XXXX 

Summary of Issue : National Credit Systems has reported an account associated with XXXX XXXXXXXX XXXX that is false and inaccurate and has been verified as disputed by me multiple times since XXXX. Despite ongoing disputes, updated credit reports from XX/XX/XXXX and XX/XX/XXXX show shifting balances and manipulated reporting dates which continue to harm my credit score and stability, making it impossible to secure safe and stable housing for myself and my children. 

* In XX/XX/XXXXXXXX XXXX showed the balance as {$9400.00} * In XX/XX/XXXX, the balance suddenly dropped to {$5300.00} with no valid explanation. 
* NCS altered balance and status dates but still verified the account as accurate, which is a violation of FCRA guidelines that require verifiable proof of accuracy upon consumer dispute. 

I have contacted both XXXX and NCS to validate the debt and requested documentation of the original lease or signed agreementwhich was never provided Yet, XXXX states that NCS verified the debt as accurate, even after updates, without any supporting documentation provided to me. 
Supporting Facts : Multiple disputes have been submitted via XXXX, including in XXXX and XXXX, each time clearly stating that the account is not accurate.

* NCS has been under federal investigation by the CFPB for practices including furnishing inaccurate information to credit reporting agencies and failing to respond appropriately to consumer disputes. 
* The apartment complex involved has been previously sued, and the credibility of this debt is severely questionable.

Impact : This false account has had devastating consequences : * Prevented me from securing housing multiple times.

* Lowered my credit score unfairly.

* Caused emotional and financial stress for my family, including my minor children, leaving us functionally homeless and insecure.

Requested Resolution : I am requesting the following actions be taken by the CFPB : 1. Investigate NCS for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

2. Require NCS to provide documented proof of the debt or have the account immediately and permanently deleted from all three credit bureaus.

3. Impose sanctions or penalties for NCS 's failure to follow dispute protocols and for willfully furnishing false information.

4. Require XXXX  ( and any other bureaus involved ) to remove the account unless legally validated within XXXX  days.

Attached are : * Credit reports from XXXX XXXX XXXX  showing inconsistencies and false updates.

* A federal petition showing NCS 's prior refusal to comply with the CFPB investigative demand.

Thank you for your attention to this matter. I am requesting urgent review and resolution to prevent further harm.

Company response to consumer: Closed with explanation