Debt collection -- Attempts to collect debt not owed -- Complaint #17896346
Complaint Overview
Complaint ID: 17896346
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: Texas
ZIP Code: 765XX
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
National Credit Systems received my certified debt validation request on XX/XX/year> ( USPS tracking confirms delivery ). They failed to provide any debt validation within the required 30-day period under FDCPA 1692g ( b ). Despite this, they continue reporting two alleged debts ( XXXX XXXX and XXXX XXXX ) to credit and tenant screening agencies. This is illegal reporting of unvalidated debt and an FDCPA violation.
Frequently Asked Questions
What is Complaint #17896346 about?
Complaint #17896346 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 2025-11-29T12:00:00-05:00.
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.