Debt collection -- Written notification about debt -- Complaint #15512540
Complaint Overview
Complaint ID: 15512540
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: North Carolina
ZIP Code: 287XX
Date Received: 2025-08-25T12:00:00-05:00
Date Sent to Company: 2025-10-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Company : National Credit Systems , Inc . Account : XXXX ( Apartment collection XXXX XXXX, now XXXX XXXX XXXX XXXX ) Amount reported : {$290.00} I am disputing a collection tradeline reported by National Credit Systems ( NCS ) for an apartment I previously rented at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). At move-out, the property manager emailed me that my balance was {$0.00} ( see attached email with full headers dated [ XX/XX/XXXX | XXXX | Assistant property Manager XXXX XXXX ) XXXX I also had an NDA/release with XXXX XXXX following the final walk-through that excused me from any balance ( see attached email thread referencing my executed NDA/release ). I was never notified that I owed anything after move-out. Despite this, NCS began reporting a {$290.00} debt approximately a year later ( first reporting around [ XX/XX/XXXX ] ). When I attempted to dispute, I mailed a certified dispute to the address NCS furnishes on my credit report, but USPS returned it undeliverable ( proof attached ), meaning the furnisher address on file is incorrect and blocked my ability to exercise dispute rights. I then called NCS. A supervisor was extremely rude and dismissive. A higher-level supervisor told me to send my evidence and said she would forward it to the client, but cautioned the client might still refuse to dismiss or settle. NCS has not provided proper validation, has not corrected the tradeline, and did not respond substantively to my dispute. I also have call recordings and detailed notes available upon request. Requested Relief : Delete the NCS tradeline from XXXX XXXX XXXX XXXX, or correct it to {$0.00} / Closed Paid or Settled, and mark it disputed by consumer. Require NCS to conduct a reasonable investigation under FCRA 623/Reg V, reconcile the propertys {$0.00} email and NDA/release with any ledger, and provide documentation ( itemized ledger, move-out inspection/photos, deposit disposition with proof of timely mailing, and client authorization to furnish ). Require NCS to update a valid current business address with the credit bureaus so consumers certified disputes are deliverable.
Frequently Asked Questions
What is Complaint #15512540 about?
Complaint #15512540 was filed against National Credit Systems,INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-08-25T12:00:00-05:00.
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.