Debt collection -- Written notification about debt -- Complaint #8117801
Complaint Overview
Complaint ID: 8117801
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Montana
ZIP Code: 59801
Date Received: 2024-01-06T12:00:00-05:00
Date Sent to Company: 2024-01-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Below is a list of requirements and violations of the FCRA Act and my consumer rights against National Credit Systems IncXXXX XXXX XXXX XXXXXXXX XXXX. XXXX GA XXXX Statute of Limitations in Florida Written Contracts : 5 years Oral Contracts : 4 years Request for Purchase Agreement required for validation. Debt Validation Requirement According to Section 809 ( b ) ( 3 ), as a consumer, I am entitled to request debt validation. You are required to provide the validation and the address of the original creditor within 30 days of such a request. Absence of Proof and Presumption of Nonexistence of Debt No proof has been provided to establish the debt as per the doctrine of laches and estoppel by silence ( Engleback vs. Grant, Md. 237 A2d 710 ). Consequently, I am led to presume that there is no substantiation for the alleged debt, and thus no such debt exists in reality. Privacy Violation and Unauthorized Reporting Under 15 U.S.C. [ section missing ], I am not recognized as owing any debt. It appears that there is a violation of my consumer rights to privacy in accordance with 15 U.S.C. 1681 ( b ). Furthermore, this company has not obtained my express oral or written consent to report any information, which is a requirement under 15 U.S.C. 1681c ( a ). Evidence of Reporting Inaccuracies I possess photographic and video evidence of inaccuracies that have been reported and demand these to be rectified and deleted as per my legal rights. Infringement of 15 U.S.C. 1681b The permissible purposes of consumer reporting as outlined in 15 U.S.C. 1681b are being violated. A consumer reporting agency may only furnish a consumer report under specific circumstances as delineated in the statute and no other.
Frequently Asked Questions
What is Complaint #8117801 about?
Complaint #8117801 was filed against National Credit Systems,INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-01-06T12:00:00-05:00.
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.