Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
National Credit Systems ( NCS ) on record ( XX/XX/XXXX ) stating that they received a remark or communication from XXXX XXXX employee regarding this debt and debt amount. And have recently confirmed ( XX/XX/XXXX ) the updated amount given by XXXX XXXX. Yet, XXXX XXXX is also on record stating they have had no contact or communication with NCS, and that no such correspondence ever occurred. In fact, XXXX further stated that any communication or ledger updates provided to NCS would have come from original debt holder, not XXXX. XXXX XXXX confirmed, on a recorded phone call ( XX/XX/XXXX ), that they can not change previous management company 's ledger and have not made any modification to the balance. Despite this, I received an email from a XXXX leasing XXXX, not their legal counsel ( XXXX XXXX ), with a new balance that contradicts the original ledger from the original management company, and what NCS originally reported. No formal or original documentation has been provided to support or explain this change. 

This contradiction raises serious concerns about the validity of the balance, the chain of custody, and who is providing data to the collector NCS and NCS reporting. It suggests the debt is being collected and potentially reported based on unauthorized or inaccurate information, which is a direct violation of : 15 U.S. Code 1692e ( false or misleading representations in debt collection ) 15 U.S. Code 1681s-2 ( a ) ( furnishing inaccurate or unverifiable information to credit reporting agencies ) I do not acknowledge this debt and hereby request the following documentation to validate your claim : 1. The name and address of the original creditor ; 2. The original account number and itemized statement of the alleged debt, including interest, fees, payments, and other charges ; 3. A copy of the original signed contract or agreement, or other documents evidencing my liability and your legal right to collect ; 4. A full chain of title for the debt, including : The assignment or sale agreement ( s ) showing your authority to collect this debt ; A signed and dated assignment contract transferring ownership of the debt to your agency or entity ; 5. Verification that your agency is licensed to collect debts in my state, including license number and issuing authority ; 6. Name of any third-party entities involved in the transfer or servicing of this debt. Please be advised that until this requested validation is provided. I consider this matter to be disputed. It is essential that this account be clearly marked as in dispute on all records and credit reports.

Under 15 U.S.C. 1681s2 ( a ) ( 3 )
, once a furnisher ( such as NCS, XXXX XXXX, or XXXX XXXX  ) receives notice of a dispute, they must notify all credit reporting agencies that the information is disputed. Additionally, 15 U.S.C. 1681i ( a ) ( 4 ) requires those agencies to include a clear dispute notation in any consumer report containing that information. 
Proper notation is critical to prevent harm to my housing applications. Further, inconsistent or unauthorized balance modifications must not be reported or treated as valid unless verified with original documentation. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), all collection activity must cease until full validation is provided, and under the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ), reporting unverifiable or inaccurate information to credit bureaus constitutes a legal violation. This letter also demands preservation of all related communications and documents for potential legal review. 

I have recorded calls and documents showing conflicting information

Company response to consumer: Closed with explanation