Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am filing a complaint against National Credit Systems , Inc. ( NCS ) for failing to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have requested full validation of an alleged rental debt more than 80 days ago, yet NCS failed to provide the legally required documentation under 15 U.S.C. 1692g ( b ).

NCS only provided a lease agreement and a rent ledger, which does not validate the debt and does not establish their ownership or assignment of the account. NCS has not provided : The assignment contract from the original rental company Chain of title/ownership A complete account-level breakdown Any documentation proving the accuracy of the balance The original rental property also did not use my income to secure the rental, resulting in an inaccurate and unsupported balance being reported. The alleged amount is not valid and has never been proven. 

Despite repeatedly failing to validate the debt, NCS continues to furnish a charge-off to the credit bureaus. This is a violation of : 15 U.S.C. 1692g ( b ) continuing collection activity without validation 15 U.S.C. 1681s-2 ( b ) inaccurate, unverified reporting after disputes FCRA 623 failure to conduct a reasonable investigation I have disputed this debt with all three credit bureaus and through previous CFPB complaints. The debt still remains on my credit file despite being unverified, unsupported, and inaccurate.

NCS is reporting a rental charge-off, which is improper and misleading, and is continuing to collect a debt that has not been validated for over 80 days. The alleged balance being reported is inaccurate, unreliable, and unsupported because the rental property failed to use my income to qualify or secure the rental. As a result, the charges being claimed by National Credit Systems are based on an improper and incomplete underwriting process.

My income information was never used to determine rental eligibility, amount due, or the financial terms of the lease. This failure directly impacts whether the debt is valid, accurate, or enforceable. Because the rental company did not use my income during the application process, the amount being claimed is not correctly calculated, not based on verified ability-to-pay, and does not reflect a legitimate or properly authorized account obligation. 

When a rental property does not use a consumers income to approve the tenancy, any resulting alleged balance is inherently inaccurate and can not be reported as a verified debt. The collector can not legally represent this balance as valid when the underlying account was not properly established.

National Credit Systems continues to report a charge-off to the credit bureaus even though the underlying debt has never been validated, never been properly created, and is based on an application process where income verification was never performed.

At this time, NCS has no more time to provide : 1. Full validation ( not just a lease and ledger ) 2. The assignment contract proving they own or were assigned the debt 3. Complete, itemized, account-level documentation

Company response to consumer: Closed with explanation