Complaint Review: National Credit Systems Inc

 I received a letter from National Credit Systems for an alleged debt that I owed to an apartment complex. Immediately upon receipt of letter, I responded with a reply letter dated April 26, 2014 requesting verification of alleged debt pursuant to the FDCPA. Instead of sending the requested information afforded to me via the FDCPA, in June and July 2014 and February 2015, derogatory information was placed within my credit bureau files.

Hence, I have been unable to rent/purchase a place to call home. Presently, I am homeless and desperately need a place to call home. I have initiated complaints with the BBB; GA State AG, FTC, etc seeking help. I have tried several times to contact them only to encounter a very rude gentleman. When confronted with pertinent information I had located against them, he was quick and in a hurry to get off the phone. In response to my complaint with the BBB, he states that I (allegedly) rented an apartment online and the charges were valid. Being a victim of identity theft, I am unable to rent, apply for credit or the like online due to the inclusion of a fraud alert contained within my file.

The story that they provided the FTC was that I was upset and that the charges were accessed by Post Park and not NCS as the third party collection agency. Ever since I learned about this (alleged) debt, I have been fighting to have it removed from the reports and have the debt validated for which my repeated requests have gone unanswered. As of right now, my credit is being held 'hostage' and I remain homeless and my government security clearance is in jeopardy. Yet, this company continues to run rampant and repeatedly violate the FDCPA among other violations.