Consumer complaint received 2026-03-03 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am filing this complaint against NATIONAL CREDIT SYSTEM ( also reported as NATLCRSYS ) for WILLFUL VIOLATIONS of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Georgia state licensing laws regarding an alleged debt of {$12000.00} from XXXX XXXX. EXHIBIT LIST ( Attached ) : Exhibit Description Exhibit A My XX/XX/XXXX dispute letter to NATIONAL CREDIT SYSTEM ( Account # XXXX PARC Apartments, {$12000.00} ) Exhibit B Certified Mail Receipt showing mailing in XX/XX/XXXX to Georgia address Exhibit C NMLS Consumer Access screenshots showing NO LICENSE for NATIONAL CREDIT SYSTEM in Georgia or any state In XX/XX/XXXX, I sent a formal written dispute via CERTIFIED MAIL RETURN RECEIPT REQUESTED to NATIONAL CREDIT SYSTEM regarding an alleged debt of {$12000.00} from XXXX XXXX ( Account # XXXX ). My dispute letter explicitly stated : " THIS DEBT IS NOT MINE '' " I have no knowledge of this account '' " CEASE ALL COLLECTION ACTIVITY including credit reporting '' " DELETE this tradeline from Equifax, Experian, and TransUnion '' CRITICAL EVIDENCE - PERSONAL STATEMENT : My credit reports already contain a consumer statement ( Exhibit XXXX ) stating that my father had a XXXX XXXX and I had to break the lease. This statement : Confirms I have PREVIOUSLY DISPUTED this debt Demonstrates NATIONAL CREDIT SYSTEM has been on notice of my dispute for an extended period Proves they have continued reporting despite knowing the debt is disputed NMLS Verification ( Exhibit C ) : Search for " NATIONAL CREDIT SYSTEM '' and " NATLCRSYS '' in the NMLS database returns : NO COLLECTION AGENCY LICENSE FOUND Only result is an individual ( XXXX XXXX XXXX ) associated with a credit union - NOT this collection agency NATIONAL CREDIT SYSTEM HAS NO LICENSE TO COLLECT DEBTS IN GEORGIA OR ANY STATE. I reside at XXXX XXXX XXXX XXXX XXXX, GA XXXX. They are operating in Georgia WITHOUT A LICENSE. XXXX validation period expired : XXXX [ DATE ], XXXX ( 30 days from mailing ). Current status ( XX/XX/XXXX ) : NATIONAL CREDIT SYSTEM has : FAILED to provide any validation of the alleged debt FAILED to delete the tradeline from my credit reports CONTINUED reporting to all three bureaus ( Exhibit D ) NEVER responded in any manner, despite my previous dispute ( evidenced by consumer statement ) REPORTING INCONSISTENCIES : Bureau Account Name Status EQUIFAX NATIONAL CREDIT SYSTEM '' Unpaid '' EXPERIAN NATLCRSYS '' Collection '' TRANSUNION NATLCRSYS ( blank ) VIOLATION # 1 : 15 U.S.C. 1692g ( a ) FAILURE TO PROVIDE VALIDATION NOTICE NATIONAL CREDIT SYSTEM failed to provide the written validation notice required within XXXX DAYS of their initial communication. I have never received any notice from them regarding this alleged debt, despite my consumer statement showing I disputed this previously. This is a PER SE VIOLATION of 1692g ( a ). VIOLATION # 2 : 15 U.S.C. 1692g ( b ) CONTINUED COLLECTION WITHOUT VALIDATION After receiving my certified written dispute in XX/XX/XXXX, NATIONAL CREDIT SYSTEM was required to CEASE ALL COLLECTION ACTIVITY until validation was provided. Instead, they CONTINUED REPORTING this disputed debt to all three credit bureaus. Legal Authority : Russell v. Absolute Collection Services , Inc., 763 F.3d 385 ( 4th Cir. 2014 ) Credit reporting during the validation period constitutes " collection activity '' prohibited by 1692g ( b ). Duration : From XX/XX/XXXX through present ( XX/XX/XXXX ) XXXX days of continued reporting and counting.

Company response to consumer: Closed with explanation