Debt collection -- Attempts to collect debt not owed -- Complaint #18050260
Complaint Overview
Complaint ID: 18050260
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 78748
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> NATIONAL CREDIT SYSTEM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation under the FDCPA To Whom It May Concern : I am writing in regard to an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ), I dispute the validity of this debt in its entirety and hereby request full validation of the same. Because this matter directly impacts my credit history, I am requesting the following documentation : 1. Proof of responsibility for the debt A copy of the original signed agreement or any document that confirms my legal obligation with the original creditor. 2. Details of the amount owed A detailed breakdown of all charges, including interest, additional fees, and payments made. A copy of the last billing statement issued by the original creditor. The exact balance owed at the time of transfer and any subsequent charges applied. 3. Information about the original creditor Full name and address of the original creditor. Original account number. The date the debt was transferred and the entity that acquired it. 4. Proof of authority to collect this debt Documentation proving your agency is legally authorized to collect this debt. A copy of your debt collection license in my state, including license number and issuing regulatory authority. 5. Additional requested information The original due date of the debt and the date it was first considered delinquent. Confirmation that the debt remains within the applicable statute of limitations. Under the Fair Credit Reporting Act ( FCRA ), if you can not provide proper validation, I request that this debt be removed from my credit report. Reporting inaccurate or unvalidated information may constitute a violation of the FCRA, and I reserve the right to pursue all appropriate legal remedies. If adequate validation is not provided within the legally required timeframe, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant state and federal authorities. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #18050260 about?
Complaint #18050260 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 2025-12-01T12:00:00-05:00.
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.