Debt collection -- Written notification about debt -- Complaint #17894970
Complaint Overview
Complaint ID: 17894970
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: Louisiana
ZIP Code: 70605
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a collection against me from XXXXXXXX XXXX XXXXXXXX XXXX. I have not received any communication from the company or the collections agency on ways to resolve this debt or a settlement offer. The collection agency continues to report this debt on my credit report without notifying me of any solution for correcting it. I am writing regarding a collection account your company claims I owe in connection with XXXXXXXX XXXX XXXXXXXX XXXX. This letter serves as a formal request for full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay. I request that your office provide proper documentation so I can verify the accuracy and legitimacy of the account. Please provide the following : Verification that I am legally responsible for the debt, including a copy of the original signed lease agreement with XXXXXXXX XXXX XXXXXXXX XXXX. A complete, itemized statement of all charges, fees, rent, damages, or penalties being claimed. A copy of the final move-out statement, including inspection notes, deductions, and dates. Documentation proving National Credit Systems has the legal right to collect, including proof of assignment or transfer of the debt from XXXXXXXX XXXX XXXX XXXX. A complete payment history for the account, including all payments, credits, and adjustments. A copy of your collection agency license authorizing you to collect in my state. Until you provide validated proof of the debt, you must cease all collection efforts, including phone calls, letters, and reporting or updating this debt with any credit bureaus. If you can not validate the debt, you are required to : Remove the collection from my credit reports, Cease all collection activity, and Notify any credit bureaus you have reported to.
Frequently Asked Questions
What is Complaint #17894970 about?
Complaint #17894970 was filed against National Credit Systems,INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
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.