Debt collection -- Attempts to collect debt not owed -- Complaint #18891280
Complaint Overview
Complaint ID: 18891280
Company: National Collection 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: Florida
ZIP Code: XXXXX
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2026-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This collection agency is reporting an account on my credit reports as if it were a loan with monthly payments, even though I have never had any student loan -There is no loan agreement, no promissory note, no payment schedule, and no history of any payments due. Despite this, they are reporting multiple missed payments, which is completely inaccurate. I requested verification from the agency and asked them to provide documentation proving this was a loan, including any signed agreement or payment terms. They have not provided any of the information I requested. They are furnishing false, misleading, and unverified information to the credit bureaus by categorizing this as a loan, reporting missed payments, and reporting a payment history that does not exist. This inaccurate reporting is damaging my credit. I am requesting that the collection agency stop reporting false information, cease all collection activity, and delete this account from all credit bureaus since it has not been validated and is being reported inaccurately.
Frequently Asked Questions
What is Complaint #18891280 about?
Complaint #18891280 was filed against National Collection Systems, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
How did National Collection 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 Collection Systems, INC.?
Yes, visit the National Collection Systems, INC. company profile at readthecomplaint.com/company/national-collection-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.