Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am submitting this complaint to formally report unlawful debt collection practices by National Credit Systems , Inc., which I believe are in violation of multiple federal consumer protection laws. I am also providing notice that I dispute owing any and all alleged debt that National Credit Systems claims I owe. Furthermore, I hereby revoke any and all consent for this company to contact me via telephone calls, text messages, or email. All future communications must be in writing only. National Credit Systems has engaged in conduct that fails to comply with the debt validation and disclosure requirements mandated under Regulation F of the Fair Debt Collection Practices Act. Specifically, pursuant to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide a validation notice containing a clear and itemized accounting of the debt. The notice I received was deficient and did not include a proper itemization of the amount owed, including interest, fees, payments, and credits. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors must provide a clear and conspicuous statement of the consumers rights to dispute the debt. The communication I received either failed to include this disclosure or presented it in a manner that was unclear and misleading, thereby hindering my ability to exercise my rights. Further, 12 CFR 1006.34 ( d ) requires that any validation information be provided in a manner that is clear, conspicuous, and not overshadowed by other content. In my case, the information provided was overshadowed by contradictory or confusing statements, which made it difficult to understand my rights and the details of the alleged debt. Moreover, National Credit Systems appears to have furnished inaccurate or incomplete information to consumer reporting agencies, in violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ), which requires furnishers to provide notice of a dispute when reporting information that is contested by the consumer. Despite my dispute of this alleged debt, the company has continued reporting it without properly noting that it is disputed. In addition, I am formally requesting full validation of this alleged debt. This includes, but is not limited to : A complete and itemized accounting of the alleged debt ; A copy of any original contract or agreement bearing my signature ; Documentation evidencing the purchase or assignment of the debt from the original creditor to National Credit Systems ; Proof that National Credit Systems is properly licensed and bonded to collect debts in my state. These actions have caused me financial harm and distress and undermine the integrity of the consumer reporting system. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against National Credit Systems. I also request that the inaccurate information be corrected or removed from my credit reports and that National Credit Systems be required to comply fully with all applicable laws and regulations. Thank you for your attention to this matter. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation