Consumer complaint received 2026-03-08 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: NC

Complaint narrative:
Date : XX/XX/year> National Credit Systems , Inc . P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute and Request for Validation of Alleged Debt To Whom It May Concern, I am writing to formally dispute the alleged account your company claims I owe. I do not recognize or acknowledge this debt, and I request full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Your company has reported and attempted to collect a debt associated with my identity without providing proper verification that the account belongs to me. Because this debt is not recognized, I am requesting that your office provide complete documentation and verification demonstrating how you concluded that this account is legitimately associated with me. Specifically, please provide the following : 1. A copy of the original signed contract or lease agreement bearing my signature that created the alleged obligation. 2. All identification documents used to open or verify the account, including any drivers license, identification card, or other credentials. 3. The Social Security number used and the method used to verify it, including whether your company accessed any third-party databases or credit reporting data. 4. The address used to open or associate this account and the documentation proving that I lived at that address during the time the alleged debt was incurred. 5. The telephone number and email address listed on the account records. 6. A complete itemized statement of the alleged balance, including the original creditor, date of default, and all fees added. 7. Proof of your legal authority to collect this debt, including the chain of assignment or purchase agreement between your company and the original creditor. If your company can not provide the above documentation, you must immediately : Cease all collection activity Delete the account from all credit reporting agencies Provide written confirmation that the account has been removed Failure to provide proper validation may constitute violations of federal law, including but not limited to : 15 U.S.C. 1692g Failure to provide proper debt validation under the FDCPA 15 U.S.C. 1692e False or misleading representation of a debt 15 U.S.C. 1692f Unfair collection practices 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation of disputed information under the FCRA 15 U.S.C. 1681e ( b ) Reporting inaccurate information to consumer reporting agencies Additionally, if my Social Security number or identity was used without proper verification, this raises serious concerns regarding potential identity theft and unauthorized use of personal identifying information. Please treat this letter as a formal dispute and provide the requested documentation within 30 days. If you can not validate this account, you must remove it from my credit report and cease all further collection activity. I reserve all rights to file formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the North Carolina Department of Justice should your company fail to comply with federal and state law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation