Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
RE : Cease and Desist Letter for Account # XXXX To whom this May concern, This letter serves as a formal notice to demand that National Credit Systems immediately cease and desist from all further communication with me regarding the alleged debt associated with account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby exercise my right to request that you stop all communication and collection activities. Any further contact from your company will constitute a violation of federal law.

Legal Basis for Cease and Desist : Violation of FDCPA : Under 15 U.S.C. 1692c ( c ), once a debt collector is notified in writing to cease communication, any further communication, except to confirm receipt of the request or inform the consumer of specific actions being taken, is a violation of the FDCPA. 

Supporting Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : The Supreme Court affirmed that the FDCPA applies broadly to all debt collectors, ensuring robust consumer protections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ) : Debt collectors must adhere strictly to cease-and-desist requests issued by consumers. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Failure to honor a written cease-and-desist request constitutes a clear violation of the FDCPA. 

Dispute of Alleged Debt : I also dispute the validity of the alleged debt and demand validation under 15 U.S.C. 1692g ( b ). Until you provide sufficient evidence to substantiate the claim, all collection efforts must cease immediately. Failure to provide validation will be considered a further violation of my rights under the FDCPA. 

Prohibited Actions : You are hereby prohibited from : Communicating with me directly or indirectly through phone calls, letters, emails, or any other means ; Reporting or continuing to report the alleged debt to credit reporting agencies without proper validation ( see XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) ) ; Selling, transferring, or assigning the alleged debt to any other entity.

Consequences of Non-Compliance : Should National Credit Systems fail to comply with this cease and desist request or continue to engage in unlawful collection practices, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Pursue legal action against National Credit Systems for violations of the FDCPA and other applicable laws, seeking damages as provided under 15 U.S.C. 1692k. 

Final Notice : This letter serves as my final communication regarding this matter. No response is required unless you are providing validation of the alleged debt in compliance with 15 U.S.C. 1692g. Any communication beyond this without validation will be deemed harassment and a willful violation of my rights. 

Thank you for your prompt attention to this matter. 

Thank you.

Company response to consumer: Closed with explanation