Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against National Credit Systems ( NCS ) regarding their reporting of an alleged debt under account number XXXX ( sometimes shown with additional digits, such as XXXX ) on my credit reports with TransUnion, Equifax, and Experian. 
This debt allegedly stems from an apartment lease with XXXX XXXX XXXX. However, I firmly dispute the accuracy, completeness, and legal enforceability of this alleged account based on the following facts and rights under federal law : XXXX. Lack of Proper Debt Validation ( FDCPA Violation ) Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I have the right to request verification of any debt that a collection agency seeks to collect. National Credit Systems failed to provide the following : A copy of the original signed lease agreement bearing my signature ; A detailed accounting or itemization of the alleged debt ; Documentation proving they have the legal authority to collect this debt, including proof of assignment ; A breakdown of the charges and how the balance was calculated. 


Without these, this debt can not be considered verified or legally enforceable. 
XXXX. Reporting Inaccuracies and FCRA Violations National Credit Systems has reported this alleged debt inaccurately under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : They are reporting a balance of {$840.00} with no proof of any payments, dispute notations, or resolution efforts. 


The account is marked as Joint with another individual, yet I was never provided documentation confirming joint responsibility. 


No updates or corrections have been made despite my previous dispute efforts directly with the bureaus and the furnisher. 


This collection account is reported differently across Experian, Equifax, and TransUnion, resulting in inconsistencies and confusion for future creditors. 
3. Failure to Investigate Dispute ( FCRA 611 Violation ) I exercised my rights under FCRA 611 ( 15 U.S.C. 1681i ) by submitting disputes with the credit reporting agencies and National Credit Systems.

Despite this, NCS failed to : Conduct a reasonable investigation ; Provide documentation to verify the accuracy of their reporting ; Correct or remove the inaccurate information. 


XXXX. Harm Caused Their continued reporting of this disputed and unverifiable debt is causing me significant financial and reputational harm by lowering my credit scores and damaging my ability to obtain housing and credit. 
Requested Resolution : I respectfully request that the CFPB : Investigate National Credit Systems failure to provide proper debt validation and documentation. 


Review their inaccurate reporting practices under FCRA and FDCPA. 


Require them to either : Provide full documentation validating this debt, including a signed lease agreement, complete payment history, and proof of assignment ; or Permanently delete the account from all credit reporting agencies if they can not validate it within the lawful timeframe.

Instruct National Credit Systems to cease collection efforts on this alleged debt immediately until proper validation is provided. 


I am an informed consumer and fully aware of my rights under federal law. I am submitting this complaint to seek fair treatment and removal of an inaccurate, damaging, and unverified debt. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation