Date Received: 2022-09-08
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX this is not my account I never live at this address
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Called consumer to confirm personal information, no updates. Dates arent accurate, addresses are incorrect
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Original Creditor : NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from NATIONAL CREDIT SYSTEMS Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ {$480.00} ] In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 3 ). According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly 681.1 Duties regarding the detection, prevention, and mitigation of identity theft. ( a ) Scope. This section applies to financial institutions and creditors that are subject to administrative enforcement of the FCRA by the Federal Trade Commission pursuant to 15 U.S.C. 1681s ( a ) ( 1 ). A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). At this time, please provide debt validation in the form of agreement, an original bill, and a detailed statement of procedures is required, if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any. 3. Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. Sincerely, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Collector has not supplied original contract with guarantor signature provided. Via documentation provided in an attempt to verify with secondary guarantor, documents provided were not sufficient enough to support this claim of alleged debt.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.XXXX XXXX XXXX ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I disputed a collection account from National Credit Systems a few months back about a collection of {$9800.00}. I sent a letter to National Credit Systems asking for validation and verification of this account. Ive asked for an itemized bill for the amount that is alleged I owe and still have not received an itemized and full breakdown of each cost. I was told most of the damages was in result of fire damage. I was given no proof of any fire damages or how/when they occurred. I was not responsible for the fire nor should I be held responsible for any damages. National Credit System has yet to provide me with any accurate description for what this debt is from. I have disputed this inaccurate account two different occasions and as a result of my first dispute National Credit System collection account was removed for less than a month before it was re-entered onto my consumer report twice. I received a letter from XXXX stating they made an error and duplicated this inaccurate account and now the collection was reflecting on my consumer report twice.I reached out to a lender for a line of credit during the same time and was denied credit. I believe if this inaccurate, unverified and invalid account was not reflecting on my account to begin with then this mistake by XXXX would have never have taken place.
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a letter in the mail from a company that I allegedly owed a debt too, which is not the original company that I dealt with. I sent them a certified letter asking them to verify the debt. The letter was mailed on XX/XX/2022 and they signed for it on XX/XX/2022. It has been three months since I have asked them to verify the validity of this debt and there has been no response.
Company Response:
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have asked for a signed copy of the lease agreement from XXXX XXXX XXXXXXXX, XXXX XXXX and National Credit Systems. All have stated they do not have the original lease. They also do not state the terms of any agreement explaining the charges. I have asked for this information, but all parties have refused to provide the terms of any agreement or how the charges were justified and under what terms outlining the costs they are saying that it is owed for. Under the terms of my original lease, which ended on a different apartment than they are stating I owe for, the terms for how I will be charged for breaking that lease were outlined in my lease agreement which begin in XX/XX/2019. For example, I would be charged an additional month of rent to end my lease early or without notice in apartment XXXX as agreed to by the property management company and I. My original apartment lease was for XX/XX/2019 in apartment XXXX. I chose not to renew this lease. The company is saying I also agreed to be charged for breaking a lease for apartment XXXX and are pursuing charges they say are outlined in a XX/XX/2019 lease agreement for a renewal. I've stated multiple times I had no lease to renew and I asked for them to outline the terms for how fees would be calculated to justify the charges that were agreed to for the XXXX lease they are alledging i have broken and they've refused to do so and have admitted that they have no lease with my name for the apartment they ( XXXX XXXX, XXXX XXXX XXXXXXXX and National Credit Systems ) are stating I owe money for. XXXX XXXX, XXXX XXXX XXXXXXXX Property Manager, has specifically stated she does not have a original lease agreement for XXXX and that the lease is with the previous property management company, XXXX XXXX XXXX. She also admits that she has not seen such lease, but assumed my account should be sent to collections because she thought there was one with my name on it. When I told XXXX I did not have a lease, she told me she will not correct her error. I was also told by XXXX XXXX XXXX management and staff that further attempts to retrieve information from them directly regarding the lease they do not have will be met with a lawsuit.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I lived in an apartment community in XXXX XXXX for over several years but I had to move out due to my health as I am XXXX and unable to work anymore. They keep telling all 3 credit bureaus that I owe {$1000.00} in which I do not owe. I went down to tell the apartment manager before the rent was ever due that I could no longer stay there because I faced eviction if I stayed. I was only getting around {$700.00} a month through SSDI at the time and the rent was {$650.00} plus utilities. I decided to go down and face the manager head on with my problem. I did not want to wait to tell her that I was no longer working at the XXXX there in XXXXAs you can see from above I would not have been able to stay in this apartment. I did apply for housing assistance but there was like a 3 year wait list already waiting. I moved in with my daughter which I did not want to intrude on her but had no where else to turn or stay at the moment. When I moved out, I took my keys to the manager and they insected the apartment for damage and found none. They just told me to make sure the appliances were clean as they were going to remodel this apartment anyway. They would tear these apartments down to the bare stud walls and start over. I know, I witnessed this as others had moved out. They also kept my {$350.00} deposit that I gave them when I moved out. No worries there as I was sure they would do this. Now this has been turned over to a collection agency in fact all 3 for {$1000.00} that I do not owe. I did what they asked of me. This is discrimination of my XXXX as well I feel. I can not help what happened to me. To be fair I wished I was still in my apartment and working at the XXXX Best job I have ever had in so many ways. When I tried to contact the Collection bureau they are nasty people and told me that they can not talk to me and that my XXXX is no worry for them. Hateful people and what they said I can not put into this letter. It is awful. I want this erroneous info removed immediately as it is keeping me XXXX No collection agency has a right to treat people this way. Do not rent from XXXX XXXX XXXX Apts. This is terrible I need a place to live. I have disputed this info several times to all 3 credit bureaus as it is wrong and keeping me homeless. To no avail.
Company Response:
State: MO
Zip: 645XX
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This complaint is related to CFPB Complaint XXXX, which CFPB closed prematurely. The Collection Agency, NCS National Credit Systems , Inc. ( NCS ), is collecting an alleged debt on behalf of XXXX XXXX XXXX XXXX ( XXXX ). XXXX was the landlord on a rental property to which I was a lessee. XXXX claims that I owe {$420.00}. This amount consists of a {$730.00} Early Move Out fee and {$370.00} in maintenance/cleaning charges, less the amount from my security deposit of {$680.00}, which XXXX has kept. I established by the terms of the Lease Agreement and documentation of the actual move-out date that the fee was not owed to XXXX. NCS did not investigate my dispute in good faith. In their response to my earlier complaint to CFPB, NCS admitted that all they did was speak with their client, XXXX, who stated that the debt was due and provided NCS with a billing statement and a copy of the lease. THE BILL AND LEASE ARE NOT PROOF THAT A DEBT IS OWED UNDER THE TERMS OF THE LEASE. NCS has clearly not actually investigated this dispute because they have failed to acknowledge ANY of the information I have provided. NCS has ignored the documentation already in its possession from XXXX ( which I have referenced ) and other documentation which I supplied to NCS. NCS is simply agreeing with their client, XXXX, without doing anything to evaluate the facts contained in my dispute. XXXX has only provided NCS with bills stating that I owe money, but not any proof that the Early Move-Out Fee was actually due or that the cleaning and maintenance charges were necessary. NCS is simply taking the word of XXXX while ignoring my proof that no Early Move Out Fee was due under the lease terms. NCS has never once stated it has proof that the tenants moved out early and did not provide a required notice under the lease terms. NCS is acting in bad faith by not actually considering the information before it. The documentation and information supporting my dispute of the {$730.00} Improper Notice to Vacate Fee is : 1 ) the Apartment Lease dated XX/XX/XXXX, which XXXX sent NCS, and which you sent me twice ; and 2 ) a Notice to Vacate, properly executed by all lessees and sent to XXXX XXXX before expiration of the Lease, stating that the tenants would be vacating at the end of the lease, on XX/XX/XXXX. The contractual basis for XXXX {$730.00} Improper Notice to Vacate Fee is contained in two paragraphs of the Apartment Lease, excerpted in relevant part below : 11. EARLY MOVE-OUT. Youll be liable to us for a reletting charge of {$730.00} ( not to exceed 100 % of the highest monthly rent during the lease term ) if you : ( 1 ) fail to give written move-out notice as required in paragraphs 23 ( Military Personnel Clause ) or 37 ( Move-Out Notice ); or ( 2 ) move out without paying rent in full for the entire lease term or renewal period ; or ( 3 ) move out at our demand because of your default; or ( 4 ) are judicially evicted. 37. MOVE-OUT NOTICE. Unless you are moving out on the Lease term ending date, you must give our representative at least 60 days advance written notice of your intention to vacate. All notices to vacate must be in writing and must provide the date by which you intend to vacate. Under paragraph 11, the Early Move-Out fee ( what XXXX calls the Improper Notice to Vacate Fee ) is only owed to XXXX if XXXX of the four listed conditions apply. None of the four listed conditions applied when the tenants moved out. Most importantly, under the first listed condition, the lessees did not fail to give written move out notice, as required under the Apartment Lease. Paragraph 23 is not applicable because the lessees are not Military Personnel. The relevant paragraph controlling Move-Out Notice is therefore Lease Agreement Paragraph 37, which requires 60-days advance written notice of intent to vacate [ u ] nless you are moving out on the Lease term ending date. The lessees were not required to provide 60-days advance notice of intent to vacate since they moved out on the Lease term ending date of XX/XX/XXXX. In fact, as a courtesy, the lessees provided XXXX with a written Notice to Vacate stating that they would be vacating at the end of the lease, on XX/XX/XXXX. A copy of the relevant sections from the Apartment Lease and the Notice to Vacate were sent to XXXX twice. Because the lessees moved out at the end of the lease term, no 60-day notice to XXXX was required, and the lessees therefore did not fail to give written notice as required in paragraph [ s ] 37 under the Early Move-Out provision in paragraph 11. The three remaining conditions listed in paragraph 11 of the Apartment Lease obviously do not apply. The lessees did not move out without paying rent in full for the entire lease term ; they did not move out because of a demand by XXXX or the lessees default ; and they were not judicially evicted. XXXX has not asserted, much less documented, any of these conditions. Therefore, because none of the four conditions which would trigger the Early Move-Out fee ever occurred, the {$730.00} fee is not owed to XXXX. XXXX has not provided any proof that this fee is owed. All they have supplied is a Move Out Statement that lists an Improper Notice to Vacate Fee. But a bill is not proof that the fee is owed. A bill without backup is just an unsubstantiated claim. By contrast, since I have provided documentation and information to NCS substantiating why the fee is not owed, the burden is on XXXX to support their claim. NCS continued to just accept the bill as proof that the debt is owed in the face of the specific, factual evidence to the contrary which I have presented to NCS. Even assuming for the sake of argument that all {$370.00} of the cleaning and maintenance charges were necessary and actually incurred ( which we can not concede absent proof ), XXXX XXXX owes me a refund of {$300.00} from my security deposit. That is, since the {$730.00} Improper Notice to Vacate Fee was improperly taken from my security deposit, even if the {$370.00} in cleaning and maintenance fees were properly charged, XXXX would still owe me a refund of {$300.00}, which is the amount of the security deposit less these alleged cleaning charges ( i.e., {$680.00} - {$370.00} = {$300.00} ). We have repeatedly provided NCS with all of the documentation and information necessary to prove that XXXX is not owed the {$730.00} Notice to Vacate Fee. We have also made clear that XXXX has provided no information or documentation that substantiates its claim for {$370.00} in cleaning and maintenance charges, and that even if it could, there is no debt owed to XXXX since XXXX kept our security deposit, which more than covers the amount of such fees.
Company Response:
State: NY
Zip: 10512
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A