Debt collection -- Attempts to collect debt not owed -- Complaint #14935439

Complaint Overview

Complaint ID: 14935439

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: Georgia

ZIP Code: 30339

Date Received: 2025-07-28T12:00:00-05:00

Date Sent to Company: 2025-07-28T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Subject : Formal Dispute and Demand for Validation Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX Alleged Balance : {$9000.00} To Whom It XXXX Concern, This letter is a formal dispute and demand for full validation of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. You are legally obligated to provide the following documentation within 30 days : A copy of the original lease agreement bearing my signature. A full and itemized breakdown of all charges, including rent, damages, late fees, and any deductions. Documentation of all payments made, as well as a final account ledger or billing statement. A copy of the move-out inspection report, photographs, or repair invoices if damages are being claimed. Proof that National Credit Systems has legal authority to collect this debt, including a signed bill of sale or assignment from the original creditor. Full account details including the date of default, account number, and contact information for the original creditor. Until and unless this documentation is provided, you are legally prohibited from collecting or reporting this debt. Failure to comply with this request will constitute a violation of FDCPA 807 and 809 and FCRA 1681s-2, subjecting your agency to liability for actual, statutory, and punitive damages. Furthermore, I am invoking my rights under FDCPA 805 ( c ) and demand that you cease and desist from all further communication with me regarding this alleged debt. This includes but is not limited to telephone calls, mail, email, text messages, and third-party contact. In addition, I hereby demand that you cease and desist from reporting or continuing to report this account to any consumer reporting agency, including XXXX, XXXX, or XXXX. If you are currently furnishing this data, you are to remove it immediately unless and until you provide full and complete validation of the debt as required by federal law. Continuing to report a disputed and unvalidated debt constitutes a willful violation of FDCPA 807 ( 8 ) and FCRA 1681s-2 ( b ), and may subject your company to regulatory penalties and civil litigation. Please be advised that I have an active extended fraud alert on file with all three major credit reporting agencies. Reporting unverifiable or fraudulent information under these conditions further compounds your liability under federal law. If you are unable to validate this debt within 30 days of receipt of this letter, you must remove all references to it from all credit reporting agencies and cease any and all collection activity. This communication is being formally documented for evidence and may be used in a future legal proceeding. I expect a timely and complete response.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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