Debt collection -- Attempts to collect debt not owed -- Complaint #12988527
Complaint Overview
Complaint ID: 12988527
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Ohio
ZIP Code: 431XX
Date Received: 2025-04-14T12:00:00-05:00
Date Sent to Company: 2025-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a debt reported by National Credit Systems related to XXXX XXXX XXXX. The debt was taken to court under XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX and was dismissed with prejudice on XX/XX/XXXX, meaning the case is permanently closed and the debt is not owed. On XX/XX/XXXX, I sent National Credit Systems a formal dispute letter along with a copy of the court judgment. I requested they stop collections and remove the debt from my credit reports. I also called their office to follow up, and the representative said they had not received my documentation and provided no resolution. This debt is legally invalid, yet they continue to report it, damaging my credit. I am requesting that the CFPB help me have this debt permanently removed from my credit reports and ensure no further collection attempts are made. I have attached both the dispute letter and court judgment as evidence.
Frequently Asked Questions
What is Complaint #12988527 about?
Complaint #12988527 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 2025-04-14T12:00:00-05:00.
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.