Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National Credit Systems XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Credit Reporting Account : XXXX XXXX XXXX Apartments Dear National Credit Systems, I am writing to formally dispute the reporting of the above-referenced account. Upon reviewing my credit reports from XXXX XXXX XXXX XXXX, I have identified multiple inconsistencies, inaccuracies, and violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards. Disputed Issues : Conflicting Account XXXX and XXXX : XXXX reports this account as an open account with status no information, yet the comments indicate placed for collection. XXXX XXXX XXXX report the account as a collection account. Payment history is unavailable on all bureaus. The conflicting account type and status is a violation of XXXX XXXX compliance and e-OSCAR reporting standards, which require accurate and consistent classification of accounts. Improper Reporting Frequency : XXXX shows continuous collection reporting from XX/XX/XXXX through XX/XX/XXXX. Continuous monthly reporting of the same collection account without actual payment activity constitutes a violation of the FDCPA XXXX ( XXXX ), which prohibits the use of false, misleading, or deceptive representations in debt collection, and FCRA XXXX, which requires investigations of disputed information. Inaccurate Creditor/Collector Contact Information : XXXX lists National Credit Systems XXXX XXXX XXXX XXXX Southeast, XXXX XXXX, XXXX, GA XXXX. Experian and Equifax XXXX National Credit Systems at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Providing conflicting contact information violates FCRA XXXX ( b ) and e-OSCAR/Metro XXXX reporting standards for XXXX XXXX Lack of Payment History : No payment history is available despite the account being labeled as a collection, which is inconsistent with XXXX XXXX guidance requiring accurate reporting of account activity. Requested Actions : In accordance with FCRA XXXX ( XXXX ), FCRA XXXX ( XXXX ), and relevant e-OSCAR/Metro XXXX reporting standards XXXX XXXX this account immediately and correct all inaccuracies across all three major credit bureaus or remove them immediately due to many violations and inaccuracies. Update account type and status to accurately reflect its true status, or remove the account entirely if it can not be verified. Cease any misleading reporting that conflicts with XXXX XXXX or e-OSCAR standards. Provide written confirmation of your investigation and any corrections made within the XXXX timeframe mandated by law. Please consider this letter a formal dispute under the FCRA and FDCPA, including a demand for verification of the debt. Failure to correct these inaccuracies may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil action under FDCPA XXXX. I am requesting that all corrections and deletions be reported to XXXX XXXX XXXX XXXX to ensure that my credit files are accurate and compliant with federal law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation