Credit Systems International, Inc.

CR SYST INTR is falsely reporting on my credit. I have never had any accounts with them. Per my research CR SYST INTR is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

If you want to avoid getting dragged into a civil lawsuit where you XXXX have to pay for damages, for something you did not even intentionally do, I suggest you delete the illegal collection accounts from my credit report today. You see, CREDIT SYSTEMS XXXX IN, has furnished a collection account on my credit report without validating this debt with me beforehand. In fact, the following debt collectors never sent me a dunning letter ( which is mandatory to validate a debt ) within XXXX days of the accounts getting reported ( which is also the initial communication ). Therefore, the accounts listed below must all get deleted from my credit report under XXXX USC XXXX. However, there is XXXX way you can leave the items on my credit report unscathed. And in order to do this, you must produce proof a dunning letter was sent to my address ( within XXXX days of the account getting furnished ).…

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I am filing this complaint regarding a collection account reported by Credit Systems International for {$560.00} under account number XXXX ( CR SYST INTR ). I dispute this account and do not recall receiving the required written notice before it was placed on my credit report. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a consumer must receive written notice of a debt and their validation rights shortly after the initial communication. I have requested proper validation of this alleged debt at least three separate times, and it has now been well over 60 days without receiving the documentation required to verify the debt. Instead of providing proper validation, the company sent an invoice, which does not constitute validation of a debt. It is 2026, and consumers have access to the law and publicly available information about what proper validation requires.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

CREDIT SYSTEMS XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT SYSTEMS XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

A collection agency is reporting a debt that I do not recognize. I have not received documentation showing I opened or authorized this service. I am requesting full validation including the service agreement, service address, and itemized billing. If the debt can not be verified, it should be removed from my credit report.

Validation of Debt Request - CREDIT SYSTEMS INTL IN/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Last Four of SSN : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Re : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It XXXX Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist from any and all communication with me regarding the above-referenced alleged debt. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except : To advise that further collection efforts are being terminated ; To notify that certain specified remedies may be invoked ; or To notify that the debt collector intends to invoke a specified remedy. You are therefore directed to : Immediately cease all telephone calls to my home, mobile phone, workplace, or any third party.…

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XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number : XXXX To Whom It May Concern : Pursuant to my rights under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, I hereby demand that you cease and desist all communication with me regarding the above-referenced account. You are to stop all telephone calls, text messages, emails, letters, and any other form of communication to me, my family members, my employer, or any third parties concerning this alleged debt. Be advised that you may only contact me to : 1. Advise that further collection efforts are being terminated. 2. Notify me that you may invoke specified remedies ; or 3. Notify me that you intend to invoke a specific remedy. Any other contact will be considered a violation of federal law.…

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Theres collection accounts thats on my credit report that do not belong to me and it is not fair for me to have collections accounts thats not mine, on my credit report keeping me from getting approved! So can you please provide debt validation and matching Social Security number to prove to me that these my collections accounts. If that information cant be provided PLEASE remove them collections accounts off my credit report. Thanks, XXXX

Theres collection accounts thats on my credit report that do not belong to me and it is not fair for me to have collections accounts thats not mine, on my credit report keeping me from getting approved! So can you please provide debt validation and matching Social Security number to prove to me that these my collections accounts. If that information cant be provided PLEASE remove them collections accounts off my credit report. Thanks, XXXX

XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to

I never received any written notice from Credit Systems International before this collection account was placed on my credit report. I had no prior knowledge of this alleged debt. I do not recognize this account. I was never provided a dunning letter, notice of rights, or an opportunity to dispute the debt before it was furnished to the credit bureaus. This is a direct violation of FDCPA 1692g ( a ), which requires a debt collector to send written notice within five days of initial communication. Instead of written notice, I have received excessive collection calls. Repeated telephone contact without providing written validation constitutes harassment and unfair collection practices under FDCPA 1692d and 1692f. Upon discovering this account on my credit report, I requested proper validation. To date, no lawful validation has been provided. Proper validation requires more than a balance statement or internal notes.…

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I am filing this complaint against CREDIT SYSTEMS INTL IN for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This company is reporting a collection account on my credit reports with XXXX, XXXX, and XXXX for an alleged debt that is not mine. They have no license to collect debts in my state of residence, which is XXXX, yet they continue to report this inaccurate information after receiving my formal written dispute. On XX/XX/XXXX, CREDIT SYSTEMS INTL IN opened collection account number XXXX on my credit reports. I have no knowledge of this account, never received any validation notice, and never signed any agreement with this company or with the original creditor, XXXX Power Company. This is a case of same or similar name confusion. On XX/XX/XXXX, I sent a formal dispute letter pursuant to 15 U.S.C. 1692g via Certified Mail to CREDIT SYSTEMS INTL IN at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.…

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I am filing this urgent complaint against CREDIT SYSTEMS INTL IN, a debt collector operating from XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, for engaging in a pattern of illegal, unlicensed, and deceptive debt collection practices that have directly harmed me in violation of federal consumer protection laws. This company has placed a collection account on my credit reports with XXXX, XXXX, and XXXX for an alleged debt of {$190.00} that absolutely does not belong to me. I have never opened any account with XXXX XXXX XXXX that resulted in this collection. I have never received any contract, statement, or validation notice regarding this alleged debt. This is either a case of mistaken identity or an outright attempt to collect on a debt they can not prove exists. Despite my formal written dispute sent via Certified Mail on XX/XX/XXXX, this company has continued to report and update this false information to the credit bureaus, which is a clear violation of federal law.…

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To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). I do not recognize this debt and dispute it in its entirety. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of disputed information. Additionally, under FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of information must provide accurate information and must correct or delete information that can not be verified.

Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

A man from Credit Systems International IncXXXX called me at my place of employment and said that he was calling because XXXX ( XXXX XXXX XXXX XXXX ) has put me into collections for an amount of {$500.00} and that I must pay this immediately. The phone number he called from was XXXX. I told him that he is not correct, that I am not in collections nor do I owe this amount and to never call me again especially at my place of employment. When we hung up I called the billing department at XXXX XXXX XXXX XXXX XXXX XXXX ) and they said that I am not in collections nor was my account sent to a debt collector because I am in good standings and my balance is only {$370.00}.

Whom It May Concern, I am writing to dispute multiple collection accounts that are currently being furnished to the consumer reporting agencies under my name. I do not recognize any of the alleged debts listed below and dispute them in their entirety. This letter serves as a formal request for validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), as well as a dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The collection agencies and accounts in question include, but may not be limited to, the following : Credit Systems International alleged utility and/or auto-related collection - {$230.00} Automated Collections alleged rent-related collection- {$440.00} Southwest Credit Systems alleged utility and/or auto-related collection- {$260.00} XXXX XXXX alleged utility collection- {$270.00} XXXX alleged telecommunications collection- {$340.00} Ive tried disputing these and speaking with XXXX companies directly

To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the charged-off account ( XXXX ) you are reporting and/or attempting to collect. I do NOT acknowledge this debt. Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I am requesting that you conduct a reasonable investigation and provide written verification of this account, including : The name and address of the original creditor, the date of the alleged charge-off, the complete payment history and itemized accounting of the balance, documentation bearing my wet signature ( not a photo copy ) showing I am legally obligated to pay, proof that your agency has the legal right to collect and report this account, and confirmation that the account is being reported accurately and consistently to all consumer reporting agencies.…

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XXXX XXXX XXXX is reporting a collection account that I dispute as inaccurate. I requested verification and documentation supporting the reported balance and their authority to collect, but I did not receive sufficient documentation. The information being reported can not be verified as accurate, including the amount and ownership of the debt. As a result, the tradeline is misleading and negatively impacts my credit. I am requesting a full investigation and correction or deletion of this tradeline under the Fair Credit Reporting Act if it can not be accurately verified.

Credit Systems International , Inc. is reporting a utility collection account that I did not open, authorize, or benefit from. This account is the result of identity theft. I filed an FTC Identity Theft Report ( Report # XXXX ). Continued reporting of this account violates FCRA 605B, which requires mandatory blocking and deletion of identity-theft-related information.

CREDIT SYSTEMS INTL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT SYSTEMS INTL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. Please help me out this so darn stressing, I have a lot of personal things going on with my life right now don't need to add this as well. Please help me!!!

Good morning, On XX/XX/year>, I received an alert that there was a change on my credit. My reports shows a company called Credit Systems Intl In added a negative balance of {$1900.00} to my credit on XX/XX/year> and states it is a medical bill from over 2 years ago. I have not received any written statements from this company regarding this balance/how to dispute which is a UDAAP and FDCPA violation. I have private insurance and to my knowledge they have paid the bills I have accrued.

I have been left a voice mail by Credit systems international inc. The first message was on XX/XX/XXXX, the second message was on XX/XX/XXXX and the third message was today, XX/XX/XXXX. I have all 3 messages saved and I have screen shots of the voicemails with dates. Each message advices me when I call them back to use a reference number, the same reference number is on all 3 voicemail. It has been 34 days since first message, 6 days since the second message and I have yet to receive any debt validation in the mail. I am making this complaint as a record of their failure to comply with The Fair Debt Collection Practices Act ( FDCPA ) ( specifically 15 U.S.C. 1692g and Regulation F, 12 CFR 1006.34 ) which requires debt collectors to send a written validation notice within five days of their initial contact with a consumer. This notice must include the debt amount, creditor name, and consumer rights.…

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CREDIT SYSTEMS INTL IN is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT SYSTEMS INTL IN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I REFUSE TO PAY THIS DEBT. This is my formal request to cease collection activities and communication. Collection activities include reporting to consumer reporting agencies. My formal request for validation of the account in question. My formal request for ALL Original Account Level Documentation NOT AVAILABLE Original Account Level Documentation. Please provide the name of the person who claims to have requisite/personal knowledge of the facts, and geniuses or authenticity of the account including possession of XXXX documents. This person should be able to establish a prima facie case per XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requisite/personal knowledge can not be based solely upon the books and records from your entity. Proof original account level documentation has been reviewed by the same person. This person must be familiar with the original creditors record keeping practices.…

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A collection account from Credit Systems International for a utility debt appeared on my XXXX credit report even though I am not legally responsible for the account. This collection had previously been removed from my credit report and was later reinserted without any notice. I never entered into an agreement with this collector and they have not provided proof that I am the responsible party for this debt. The reporting is inaccurate and harmful to my credit.