Debt collection -- Written notification about debt -- Complaint #10825718
Complaint Overview
Complaint ID: 10825718
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Indiana
ZIP Code: 462XX
Date Received: 2024-11-16T12:00:00-05:00
Date Sent to Company: 2024-11-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Debt and Rights Violation I am writing to formally dispute the debt that you claim I owe, as listed on my credit report. I am disputing all amounts that you allege I owe and require full validation of this debt in accordance with federal consumer protection laws. Additionally, I am revoking any and all rights of communication with me via phone, email, or text message. Any further attempts to contact me outside of written correspondence will constitute a violation of federal law. Violations and Legal Citations I have identified several violations of my consumer rights as outlined under the following regulations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has failed to provide validation information but has still placed the collection on my consumer report. 2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account as required by law. 3. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) : The collection agency is unlawfully furnishing information to consumer reporting agencies without providing the necessary disclosures mandated by law. 4. 15 USC 1692k : If you continue to contact me in any manner other than written correspondence after this notification, you will be in violation and subject to damages of {$1000.00} per infraction. Requests for Validation and Documentation To address this matter, please provide the following : 1. Debt validation information as mandated by federal law. 2. The purchase agreement between your agency and the original creditor that legally assigns this debt to your company. 3. Proof that your agency is licensed and bonded to collect debts in my state. Failure to comply with these requests within 30 days will result in further action, including but not limited to submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for the violations outlined above. Please consider this letter as a formal revocation of all rights to contact me by phone, email, or text message. All communication must be in writing and sent to my mailing address listed above.
Frequently Asked Questions
What is Complaint #10825718 about?
Complaint #10825718 was filed against National Credit Systems,INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-11-16T12:00:00-05:00.
How did National Credit Systems,INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against National Credit Systems,INC.?
Yes, visit the National Credit Systems,INC. company profile at readthecomplaint.com/company/national-credit-systems-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.