National Credit Systems,Inc. Complaint: Disclosure verification of debt

#1780137 9 Feb 2016

Debt collection Other (i.e. phone, health club, etc.)

Complaint #1780137 submitted on 02/09/2016 relating to National Credit Systems,Inc.. Complaint relates to Debt collection Other (i.e. phone, health club, etc.) - Disclosure verification of debt Right to dispute notice not received.

Complaint was submitted via Web and sent to the company on Thursday 11th February 2016.

Narrative (may be redacted).

The reason for my complaint is because this debt was added to my credit report without a debt validation letter. I do not agree that I owe the creditor that the collection agency is attempting to collect the debt on behalf of. I feel that the creditor concocted a debt and sent it to a collection agency without sending it to me to avoid me questioning the debt. I feel the creditor did this because I chose not to extend my lease, even after they offered to reduce my rent. When I originally signed my rental agreement, this home was owned by XXXX.It was later sold to XXXX while I was still under lease agreement. At the end of my lease, I chose to move. I was not aware that this company reported a debt to a collection agency until I attempted to advance in employment and a credit report was pulled. I have sent numerous request to the collection agencies to remove this item, but they continue to find the debt valid. On XXXX XXXX, 2015, I sent a debt validation request to the collection agency, but they have not responded. I sent the letter by regular mail, but I know that the letter was received because I requested that they remove a duplicate item from my report and the item was removed. Please assist me with resolving this issue.

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