Debt collection -- Attempts to collect debt not owed -- Complaint #12073971
Complaint Overview
Complaint ID: 12073971
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: Georgia
ZIP Code: 30228
Date Received: 2025-02-12T12:00:00-05:00
Date Sent to Company: 2025-02-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute and escalate the removal of an account from my credit report that I believe has been reported inaccurately. Despite my previous attempts to resolve this matter, it remains unresolved, and I am requesting immediate attention and action. Details of the Disputed Account : Creditor Name : [ National Credit Systems ] Reported Account Status : [ delinquent/derogatory ] Date Reported : [ XXXX XXXX ] Amount : [ {$15000.00} ] I have previously submitted a dispute on [ XX/XX/XXXX & XX/XX/XXXX ] regarding this account, but as of today, I have not received a satisfactory resolution. I request that you review this matter thoroughly and remove the account from my credit report for the following reasons : [ This balance is incorrect, and I have no knowledge of this company. Also, when I called the phone number provided on my credit report, that company had no knowledge of the debt but had my name in their database. That company then transferred me to someone stating that they were a lawyer and that I needed to pay that amount in full before they take legal actions. Upon asking multiple questions, the person was very rude to me and demanded money from me which made me feel uneasy. ] [ On the date of XX/XX/XXXX, this account closed resulting in the decrease of my credit score. Then a week later, the same account appeared back on my credit report. ] Given that the information in question has not been correctly addressed and continues to negatively impact my credit score, I request that you expedite this process and remove the disputed account from my credit report. I would appreciate a prompt response within the legally required 30-day period. Please provide a written confirmation of your actions regarding this matter and an updated copy of my credit report once the account is removed. Thank you for your attention to this matter. Should you require any further information, I am happy to provide it to facilitate a swift resolution.
Frequently Asked Questions
What is Complaint #12073971 about?
Complaint #12073971 was filed against National Credit Systems,INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-02-12T12:00:00-05:00.
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.