National Credit Systems,Inc.

I have made multiple attempts to contact this company directly to request validation of this debt, including requests for a signed lease agreement, payment history, and proof of my legal responsibility. To date, I have received no response. Despite this, the company continues to report this account to credit bureaus while it is under dispute. I am also requesting that the credit bureaus explain their method of verification for this account.

I am requesting immediate removal of this collection account from all credit reporting agencies because the debt collector ( National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX ) reported and continued collection activity on a disputed account before providing proper validation after a timely written dispute and request for validation. The account has been reported on the credit files of two consumers, myself and my son. Despite repeated written and verbal requests for validation and attempts to resolve this matter in good faith, the company proceeded with credit reporting without substantiating the alleged debt or providing the requested validation as required under the Fair Debt Collection Practices Act, and further provided materially contradictory information regarding validation and credit reporting practices. I timely disputed this alleged debt in writing on XX/XX/XXXX, and requested validation pursuant to my rights under federal law.…

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I dispute the collection account reported by National Credit Systems , Inc. relating to XXXX XXXX because the information is inaccurate and has not been reasonably verified. I first disputed this account through NCSs website on XX/XX/XXXX, and again on XX/XX/XXXX. NCS simply confirmed the account with XXXX instead of resolving the actual discrepancy. On XX/XX/XXXX, I sent NCS both an email and a letter urging it to investigate. NCS replied that it had investigated, but the only support it provided was email communication with XXXX and XXXX own ledger. Those records are internally inconsistent. XXXX Final Account Charges page states that I paid {$470.00} on XX/XX/XXXX. However, the ledger in the same set of records shows that my payment was {$820.00}. My bank statement confirms a payment of {$820.00}. I pointed out this specific discrepancy again through NCSs website on XX/XX/XXXX, but received no meaningful response, and the account has continued to be reported.…

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I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

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I DO NOT OWE ON THIS DEBT. I FINISHED MY LEASE AND STAYED XXXX EXTRA MONTHS BY PAYING MY MONTHLY RENT. THIS COLLECTION IS A TRUE VIOLATION OF MY FAIR DEBT COLLECTION PRACTICES ACT RIGHTS. In XXXX, terminating a lease requires written notice at least XXXX full rental period plus XXXX day before the move-out date for month-to-month agreements. For fixed-term leases, notice is not required to end on the expiration date, but XXXX days ' notice is recommended. Landlords must now mitigate damages if a tenant abandons the property. Your collection agency has ruined my credit, even though I did everything right. My landlord is trying to collect on a debt I do not owe. Im consulting a lawyer to fight this and I believe the CFPB should take sanctions against this agency. Currently, I demand copies of my original documentation that proves responsibility of a posted collection against me personally.

Ive been dealing with XXXX XXXX at National Credit Systems, first contact was on XX/XX/year>, they are trying to collect {$2600.00}, I explained to her that I have made several payments to the Clerk of XXXX XXXX courts in XXXXXXXX XXXX, she stated that I could file a dispute which I did later on XX/XX/year>, I provided the receipts from XXXX & the clerks office in the amount of {$1200.00} to their online dispute page, I called back on on XX/XX/year> and XXXX told me to check back In 2 to 3 weeks, I received a notification on XX/XX/year> that their investigation did not find any payments, I called XX/XX/year> at XXXX spoke to XXXX and asked about the investigation she stated that they did not find any payments and the full amount is owed, I explained that I provided receipts from the clerks office and proceeded that explain that those records are public information and can be found on mycase.gov, I tried to continue and she tried to talk over me, I told her not to interrupt me and let…

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* * * * * THIS IS CONGRUENT TO COMPLAINT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX You closed the complaint without proper resolve. Please have human eyes run across this complaint, they refuse to acknowledge they never properly notified me of the debt. The following is their response XXXX : National Credit Systems , Inc. is a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX XXXX Charges were not assessed by XXXX. The consumer has disputed their debt, and XXXX has submitted their dispute to the CRAs as required by law. The original creditor contends that the debt is in fact owed and has provided documentation supporting the charges they assessed. If the consumer has additional information supporting their claim ( s ), please have them provide the documents to XXXX for further investigation and action if appropriate.…

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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.

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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am submitting this formal complaint against National Credit Systems regarding their handling of the alleged debt associated with my account XXXX XXXX Since XX/XX/year>, I have been in active communication with the agency via email and clearly informed them that I am located outside of the United States. I also explicitly requested that communication be conducted via email due to my international location. Despite this, the agency sent a time-sensitive written notice dated XX/XX/year>, indicating their intent to report the account to credit bureaus. Given their clear knowledge of my location and communication constraints, they knew or should have reasonably known that I would not receive this notice in a timely manner, if at all. It is important to note that the agency initiated communication via email on XX/XX/year>, providing me until XX/XX/year> to dispute the debt. I formally disputed the debt on XX/XX/year>.…

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Cleaned the apartment at move out. The landlord asked for a 'professional '' receipt. I provided a hand-written receipt from a private cleaner who cleans their common areas. The landlord claims it ( receipt not the quality of the cleaning ) to be not professional. After paying the cleaner {$120.00}, I agreed to pay an additional {$160.00} to the landlord to close the issue ; landlord still insisted amount close to {$500.00} for cleaning. I told them I consider it unreasonable and inaccurate. The landlord sent their invoice to collection. The collection asked for {$570.00}, an inaccurate amount, which is about twice of what they reported to the credit bureaus as derogatory claim amount. I have attached back up documents. There are several reviews for this landlord ( XXXXXXXX XXXX XXXXXXXX, WA ) regarding the cleaning charges at the moveout.

Failure to properly investigate Reporting inaccurate information Failure to validate disputed details ( dates ). I have made multiple attempts through phone, email, and formal disputes to obtain the exact date of first delinquency and the timeline of this alleged debt. To date, the company has failed to provide this required information. My dispute is not about who owns the debt. My dispute is about the accuracy of the reporting, specifically the failure to provide a verifiable and consistent Date of First Delinquency and a clear accounting of when the debt began. Under the Fair Credit Reporting Act, any information reported must be accurate and verifiable. If this account is scheduled to remain on my credit report until XXXX 2028, then the company must be able to clearly document and provide the exact date the delinquency began. They have failed to do so despite multiple requests.…

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I am disputing an inaccurate and unvalidated collection account reported by National Credit Systems Inc. ( NCS ) on behalf of XXXX XXXX XXXX. The dates being reported are contradictory and do not match my actual tenancy or my certified 60day notice to vacate. 1. False Delinquency Date Reported : XXXX is reporting a delinquency date of XX/XX/XXXX, even though I was never notified of any balance due, never received a final account statement, and had already submitted my certified 60day notice on XX/XX/XXXX. No delinquency occurred on that date. 2. XXXX Own Statement Contradicts the Reported Delinquency : After my dispute, XXXX sent me a notice stating : On XX/XX/XXXX, your NATIONAL CREDIT SYSTEMS INC account was classified as a collection account and assigned to XXXX XXXX XXXX. This means XXXX is claiming the account did not even exist as a collection account until XX/XX/XXXX, which is 43 days AFTER the reported delinquency date of XX/XX/XXXX.…

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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.

I am filing a complaint regarding a collection account reported by National Credit Systems , Inc. in the amount of {$10000.00} I sent a written request for debt validation, which was delivered on XX/XX/year> ( proof of delivery attached ). As of today, I have not received any documentation validating this debt. The account is being reported without any itemized statement, lease ledger, or move-out documentation. The companys online portal also does not contain any supporting documents or breakdown of charges. Additionally, the original property management company is no longer in operation, and it appears that proper records may not exist. Despite this, the account continues to be reported with a {$10000.00} balance.

I am writing to formally dispute an eviction-related account that appears on my credit report. This letter serves as a request for investigation pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is inaccurate and incomplete for the following reasons : 1. Inaccurate Amount Owed The balance being reported is incorrect and does not reflect the true amount, if any, that may have been owed. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report. The current reporting fails to meet this standard. 2. Improper Sale/Assignment to a Third Party This alleged debt has reportedly been sold or assigned to a third-party collection agency. However, I have not received proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.…

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I paid this company {$270.00} in full. However, they failed to remove the collection from my XXXX credit report. Because of this, I was denied housing and could not move into an apartment. Additionally, they are now denying me access to my account, which prevents me from verifying or resolving this issue. This situation has caused me significant financial and personal harm. I request immediate removal of this collection and confirmation that the account is closed and paid in full.

CFPB Complaint National Credit Systems ( NCS ) Company : National Credit Systems , Inc . Issue : Debt collection / inaccurate credit reporting What happened : National Credit Systems is reporting three separate collection accounts on my credit report that were all opened on the same date ( XX/XX/XXXX ). The accounts have different balances, and two of them were admitted to be duplicates by an NCS representative. The accounts being reported are : {$7500.00} XXXX XXXX {$2700.00} XXXX XXXX ( XXXX XXXX ) {$4800.00} XXXX XXXX These inaccurate and duplicate accounts are harming my credit, lowering my score, and affecting my ability to obtain housing and credit opportunities. On XX/XX/XXXX at approximately XXXX XXXX, I called NCS and was transferred to XXXX XXXX, who stated she oversees these accounts. During the call, she admitted that two of the three accounts are duplicates, but she could not explain why NCS waited until now to correct the issue.…

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On XX/XX/year> I received a notification from XXXX XXXX that my XXXX credit score went down XXXX points because of a collection from an XXXX XXXX in XXXX, FL. Filed a dispute report with XXXX I own and lived in my home for XXXX years. Never co-signed for anyone. Collection Company : National Credit System Apartment Complex : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

I am filing a complaint against National Credit Systems regarding an alleged rental debt they claim I owe in the amount of * * {$1400.00} * *. I dispute this debt and the amount being reported. I do not believe this balance is accurate, and I have not been provided with sufficient documentation to support this claim. In addition, I have received * * repeated phone calls at times before XXXX AM and after XXXX PM * *, which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX ( a ) ( XXXX ), which prohibits communication at unusual or inconvenient times.…

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National Credit System XXXX XXXX XXXX XXXX XXXX, GA XXXX I am writing in response to your recent communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. I do not acknowledge this debt and request that you provide proper verification. Please provide the following information : XXXX. The name and address of the original creditor XXXX. The full amount of the alleged debt, including an itemization of any interest, fees, or charges XXXX. Copies of any documentation bearing my signature that shows I agreed to this debt XXXX. Proof that your agency is authorized to collect on this debt XXXX. The date the debt was incurred and the date of last payment XXXX. Documentation showing that the statute of limitations has not expired Until you provide the requested validation, you must cease all collection activities and reporting to credit bureaus regarding this account.…

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I am submitting this complaint to formally report unlawful debt collection practices by National Credit Systems , Inc., which I believe are in violation of multiple federal consumer protection laws. I am also providing notice that I dispute owing any and all alleged debt that National Credit Systems claims I owe. Furthermore, I hereby revoke any and all consent for this company to contact me via telephone calls, text messages, or email. All future communications must be in writing only. National Credit Systems has engaged in conduct that fails to comply with the debt validation and disclosure requirements mandated under Regulation F of the Fair Debt Collection Practices Act. Specifically, pursuant to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide a validation notice containing a clear and itemized accounting of the debt.…

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The address the original creditor claims the bill was attempted to be sent to is the same address we had already vacated, and therefore we were not properly notified before the account was referred to collections. Additionally, we have documentation showing that the property had significant habitability issues, including the roof caving in, and that it took numerous months for the matter to be addressed. These conditions materially affected the premises and are directly relevant to the alleged balance.

National Credit Systems XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Credit Reporting Account : XXXX XXXX XXXX Apartments Dear National Credit Systems, I am writing to formally dispute the reporting of the above-referenced account. Upon reviewing my credit reports from XXXX XXXX XXXX XXXX, I have identified multiple inconsistencies, inaccuracies, and violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards. Disputed Issues : Conflicting Account XXXX and XXXX : XXXX reports this account as an open account with status no information, yet the comments indicate placed for collection. XXXX XXXX XXXX report the account as a collection account. Payment history is unavailable on all bureaus. The conflicting account type and status is a violation of XXXX XXXX compliance and e-OSCAR reporting standards, which require accurate and consistent classification of accounts.…

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I am writing to escalate my dispute regarding a fraudulent collection account reported by National Credit Systems on behalf of XXXX XXXX XXXX, claiming I owe over {$11000.00}. This account is not mine. I have never lived at or near this property. On XX/XX/XXXX, I vacated a residence in XXXX XXXX, Florida, where I lived with my wife and children under a signed lease making it physically impossible for me to have simultaneously resided at XXXX XXXX XXXX. This is the fourth fraudulent collection account tied to my identity, and the only one that remains after XXXX investigation removed the other XXXX. Notably, I successfully disputed a separate fraudulent National Credit Systems account for a different apartment complex in XX/XX/XXXX, which was removed establishing a clear pattern of my identity being used to fraudulently obtain housing.…

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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.

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

This man from this company National Credit Systems continues to call my phone every day.I have requested him to stop calling me because that debt is not mine and he consistently still does it. He has called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX, all XXXX and is using bad language, not professional at all

On XX/XX/year>, I submitted a written dispute regarding an alleged debt being reported and/or collected by XXXX XXXX XXXX XXXX In my dispute, I requested validation of the debt, including documentation verifying the amount owed XXXX proof that the company has the legal authority XXXX collect the alleged debt. As of today, I have not received any response or validation documentation from XXXX XXXX XXXX regarding my dispute. Under the Fair Debt Collection Practices Act ( FDCPA ), when a consumer disputes a debt, the debt collector must cease collection activity until verification of the debt is provided XXXX the consumer. Despite my dispute submitted on XX/XX/year>, XXXX XXXX XXXX has failed XXXX provide the required validation.…

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On XX/XX/year> I submitted a complaint to CFPB about National Credit Systems ( NCS ) disclosing my private account information to an unauthorized third party. That complaint described a phone call in which NCS disclosed account details to my son even though he is not on the lease, not on the account, and has no power of attorney or written authorization. After I filed that complaint, NCS continued to disclose and attempt to collect on the same account. On XX/XX/year> at XXXX, NCS sent a text message to my son at ( XXXX ) XXXX from XXXX ( XXXX ) XXXX offering a settlement for Latitude at XXXX XXXX and stating he would receive account messages from National Credit Systems Inc. My son is not authorized to receive communications about my account.…

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