National Credit Systems,Inc. Debt Collection Complaint

National Credit Systems,Inc. Debt collection department,

Other (phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Tennessee

On or about -/-/2015 I contacted National Credit Systems Inc. and spoke with - - at - Ext. - concerning - or - debts of the same account that appeared on - public credit reports. I questioned the validity of the debts and the amounts owed. - - PROMISED to mail, to my home address which I provided during the conversation, an official document detailing the amounts owed, the original creditor and a statement guaranteeing that the debt amount would be updated on - credit reports if I paid in full. - - explained that this was an attempt to collect a debt and any information obtained would be used for that purpose. I was told the document would be mailed within a few days. Today, - -, 2015, I viewed - public credit reports and noted that the last reported date had been changed from -/-/2011 to -/-/2015. Instead of providing me with an official document or notice that the debt was owed, National Credit Systems Inc. updated their data with - credit reporting agencies as an malicious attempt to place negative data on my credit report for an additional 7 years. The original negative information was scheduled for


no contract with National Credit Systems Inc. and they refuse to provide with any documentation to support their claim of ownership or purchase of the debt. In good faith I was attempting to resolve this matter. I provided my name, address, SSN, date of birth, employer, and both cell phone and home telephone numbers. The debt itself is misleading as it appears on - public credit reports. It is documented as owing $500.00 and then $3600.00. There is a third entry showing an amount owed of $4100.00. Per - - of National Credit Systems Inc., the full amount owed is actually $4100.00. My interpretation based on the manner the debt ( s ) are documented is that I owe someone, a total of $8200.00. In my opinion, considering the amount that this collection agency claims I owe them for debt that they intercepted from the original creditor, a letter or formal communication of some sort is not an unreasonable request. If I request an email or regular mail statement in an attempt to pay a debt, there is no reason for the creditor to penalize me and ruin my credit for an additional 7 years. I called them. According to - -, we had no way to contact you and the debt would have disappeared within months ''. The tactics used by National Credit Systems Inc. appear to be malicious and unfair in nature in terms of making promises and not following through as well as and most importantly not providing PROOF and descriptions identifying themselves as the actual debt collector and owner. If I had paid in full National Credit Systems Inc. on or about -/-/2015, there would not have been any guarantee that at a later date the original creditor or some other collection agency would not have contacted me claiming ownership of the same debt and demanding payment, therefore starting the process over again.