National Credit Systems,Inc. Debt Collection Complaint

National Credit Systems,Inc. Debt collection department,

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

Hello, My name is - - - and my Fair Credit Report Act rights were violated. On - -, -. I was contacted by National Credit Systems on behave of - - -. The letter was to collect a debt of -. I have no knowledge of a balance with - - -. I moved out -/-/-. I was never contacted by the - - - saying a owed them money. So when I got the letter from National Credit Systems a year later, I was shocked and surprise. I then wrote a letter on - -, -. ( See Dispute letter attached ). I wanted them to validated the debt. On - -, -. I received a letter saying they investigated the debt. However, the document they sent me are not sufficient evidence saying I owed this money. Print out with no signature, no hand written date and my lease. Just an electronic print out that could be doctored up to reflect dates they want to reflect. Around - -. I wrote and sent another letter ( trying to locate that letter ). I asked for postmark date mailing to prove that they tried to contact me before placing


of proof is on them to prove they did their due diligence. On both letter, it states national credit systems will revise or delete the information it may have reported on my credit report. On - -, -, I applied for a car loan and was denied mainly for having time since delinquency is too recent, serious delinquency filed and time since collection is too soon. So after being denied for delinquency and collection ( See - Load attachment ). I paid - so I can look at my report. On - -, - a collection was place on my credit report by National credit systems ( see - attachment ). However, my first contact with them was - -, -. On - -, -, I place a dispute with dispute with -/-/- and a few hours later National credit system collection was removed. ( see - investigation attachment ). National credit systems put a collection on my credit report before ever validating the debt. Also, the failed to remove the collection while my case was under investigation. I was denied car loan I desperately need, because of these legal act and practices by National Credit systems. My Fair Credit Report Act right were violated, National Credit systems were negligent and careless. My credit profile with my bank put me in a bad light. They did n't report my collection as a dispute. NCS defame my character.