Debt collection -- Attempts to collect debt not owed -- Complaint #17970734
Complaint Overview
Complaint ID: 17970734
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: Indiana
ZIP Code: 46218
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
National Credit Systems has reported that my husband and I owe over {$4000.00} in rental charges. I dispute this debt because it is legally invalid and improperly calculated under Indiana law. My landlord ( XXXX XXXX XXXX XXXX violated Indiana Code 32-31-3-12 and 32-31-3-14 by failing to provide an itemized list of damages within 45 days of my move-out ( XX/XX/year> ). The statement was sent XX/XX/XXXX, OVER 100 days later. Under Indiana law, this FORFEITS the landlords right to retain the security deposit or pursue damages. The statement sent was inflated, inconsistent, and included duplicate charges ( e.g., rent for XXXX twice, early termination fees for a month-to-month tenancy ). The balance fluctuated repeatedly from {$4000.00} to {$1000.00} to {$600.00}, suggesting deceptive practices. The landlord never provided a legally valid, itemized statement. National Credit Systems was notified of my dispute under the FDCPA ( 15 U.S.C. 1692g ) but did not respond or provide validation, yet reported the debt to credit agencies, VIOLATING the FDCPA.
Frequently Asked Questions
What is Complaint #17970734 about?
Complaint #17970734 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 2025-11-27T12:00:00-05:00.
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.