Debt collection -- Attempts to collect debt not owed -- Complaint #4615771
Complaint Overview
Complaint ID: 4615771
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30328
Date Received: 2021-08-09T12:00:00-05:00
Date Sent to Company: 2021-08-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This letter is regarding account # XXXX, which you claim I owe {$940.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I sent a letter responding to an item on my credit report that should not be there. I have no recollection of the amount this company says I owe to them. It seems to be an apartment building, but I have never lived here nor know anyone that has lived here. I submitted a dispute letter on XX/XX/2021 and they responded back telling me that I can settle the amount. I am not paying any amount because this is being reported inaccurately. There is no proof that I am obligated to this place. Please have them remove this from my credit report as it is impacting my ability to apply for a mortgage.
Frequently Asked Questions
What is Complaint #4615771 about?
Complaint #4615771 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 2021-08-09T12:00:00-05:00.
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.