Date Received: 2022-08-11
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: This company contact me about a debt after I asked them not to. After confronting representative and sending them an affidavit of Truth that is still unrebutted, they have agreed to committing the usc/consumer violations and continue to harass me.
Company Response:
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Company Response:
State: NV
Zip: 89030
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on my credit report.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been contacting the following companies for 5 years and they have refused to remove the debt. They insist that the debt was verified but has not shown proof. I have provided a police report and disclosed my full identity. My home was broken into year XXXX, where all of my personal information was stolen, and a police report was filed. My car was broken into XXXX where my purse was stolen. A police report was filed. I filed another police report in South Carolina when I discovered my personal information on the deep dark web. I have filed a police report in both the state of Georgia and South Carolina. No one has assisted me. I was advised to file a police report in every single state that I found fraud activity which I believe is unnecessary. I have been dealing with identity theft for 5 years now with no solution. I demand all information to be removed immediately. This is affecting my life, personal and business development. I do not know anything about the people or person who stole my identity. I also found my personal information such as address, credit score, D.O.B, and full name on a website called " XXXX XXXX' I have emails and screenshots of this information that I will also provide if requested. Company : XXXX XXXX : {$15000.00} XXXX XXXX {$11000.00} TXXXX XXXX XXXXXXXX XXXX : {$2200.00} Collection Agency : XXXX XXXX XXXX XXXX : bought debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : bought debt from XXXX XXXX Georgia Police # XXXX ( XX/XX/XXXX ) Geogia Police # XXXX ( XX/XX/XXXX ) South Carolina Police # XXXX ( XX/XX/XXXX )
Company Response:
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Hello, I am reaching out to get more information about a debt so that I can be fully informed. I have recently pulled my report and see this debt collector furnishing a derogatory account on my report ultimately tarnishing and ruining my reputation. They are also prohibiting me from extending credit as well. I am asking for this company to comply with the information in the attached document so that I can be fully aware of this debt to better help me make an informed decision about my next steps with this debt.
Company Response:
State: NE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please see below from my previous landlord : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX To Whom it May Concern : RE : XXXX XXXX XXXX XXXX XXXX XXXX Please be advised there is a debt collection on the above referenced persons/tenant by National Credit System through XXXX XXXX XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. This collection is due to a software system glitch and should not have been placed. The XXXX XXXX is in the process of getting this collection removed from all the reporting agencies. Please disregard this debt collection. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have already filed a complaint but was unable to add to it so I went ahead and filed this report in order to add what I missed. Confirmation number for complaint filed is XXXX. I keep getting letters in the mail with the wrong amount on debt owed. XXXX XXXX XXXX has already contacted National Credit Systems with the request to remove my son 's name from the account and make the corrections to the amount owed. Here 's the correct amount something that I didn't include in the first complaint. Sorry I got the amount wrong. Charged : Market rent for XX/XX/XXXX {$1100.00} Credit from XXXX XXXX XXXX Then a month-to-month fee XXXX Total rent due for XXXX {$1200.00} Renters Insurance waiver XXXX Utilities billed in XXXX XXXX usage for XXXX Total due {$1300.00} XX/XX/XXXX received payment of XXXX XX/XX/XXXX late fee charged XXXX XX/XX/XXXX received payment of {$86.00} {$1200.00} Balance due for XXXX XXXX file was sent to attorney on XX/XX/XXXX for non-renewal Market rent for XX/XX/XXXX {$1100.00} Month to Month Fee XXXX Renters Insurance waiver XXXX Utilities billed in XXXX {$120.00} usage for XXXX Total due for XXXX, XXXX {$1300.00} Keys turned in XX/XX/XXXX XXXX prorated rent and month to month fee credit for XXXX Total owed for XXXX {$690.00} Rent, Utilities and insurance waiver {$1900.00} ( open balance ) That was owed for the two months you stay without paying. Prorated rent was done from when system moved you out on XX/XX/XXXX so we can credit back the 3 days off your balance. {$680.00} credit given for XXXX {$700.00} should have been the credit for ( XX/XX/XXXX XXXX ) {$22.00} additional credit Balance {$1900.00} minus additional credit {$22.00} balance due {$1800.00} Attorney Fees charged since your file was sent to the attorney for evictions since we failed to receive keys. XX/XX/XXXX and the charge is {$240.00}. This is a set charge ; ( These fees were assessed once file is received at attorneys office for not moving out on the non-renewal ) Insufficient Notice fee Penalty charged {$680.00}. You are correct with the nonrenewal this fee should have never been charged, I will back out the charge. Standard Charges : Damage and cleaning addendum : Pictures attached all charges for the unit cleaning fee, paint and carpet clean were charged at a minimum. The damages of Vertical blinds, Blind slats were charged at cost. Total {$390.00} Moving out and disposing of furniture left behind {$350.00} Total Charges {$740.00} Total charges for move out {$3500.00} Minus Insufficient notice fee XXXX Minus your deposit - XXXX Total Due {$2100.00}
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I XXXX XXXX XXXX contacted XXXX, XXXX, XXXX, AND NATIONAL CREDIT SYSTEMS on XX/XX/22 XXXX XX/XX/22 XX/XX/22 XX/XX/22 via FAX -EMAIL AND CERTIFIED MAIL TO DISPUTE WRONGFULLY & FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNTS they did not investigate DELETE.nor block the information from appearing on my personal credit report yet the companies are reporting inaccurate information which is defamatory of character under Law 2243.. due to me being a victim of identity theft nor did they send me any proof of investigation results or SHOW ME PROOF OF THIS DEBT! XXXX CLAIM THEY WILL INVESTIGATE HOWEVER THEY DID NOT THE INQUIRIES ARE BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ANY OTHER INQUIRIES THEY ARE FRAUDULENT I HAVE SENT XXXX MY IDENTITY THEFT INFORMATION A VALID POLICE REPORT DRIVER LICENSE XXXX HAVE BLOCKED ME FROM ACCESSING MY ACCOUNT VIA PHONE THEY HAVE NOT UPDATED MY ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they have other fraudulent addresses I also sent all companies SECTION 605 of the fair credit reporting act IVE ALSO SENT IT TO NATIONAL CREDIT SYSTEMS XXXX $ IS NOT MY ACCOUNT ITS NEGATIVE and fraudulent!! XXXX IS ALSO IN VIOLATIONS OF SECTION 605 AFTER I SENT PROOF VIA CERTIFIED MAIL OF MY DISPUTE TO BLOCK OR REMOVE THE FRAUDULENT ACCOUNT : XXXX XXXX LATE PAYMENTS OF POSSIBLE FINANCE AND LATE PAYMENT WITH XXXX Im filing a CIVIL SUIT IN THE COURT OF LAW FOR REPORTING INACCURATE AND FRAUDULENT ACCOUNTS OR INQUIRIES AND WILL HOLD THESE COMPANIES LIABLE I WILL ALSO SEEK MONETARY DAMAGES FROM XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS FOR VIOLATING MY CONSUMER RIGHTS AND DAMAGING MY PERSONAL CREDIT
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2022, NATIONAL CREDIT SYSTEMS flagged my account as collections without any prior notification of the said debt. The original creditor did not contact me about the reported debt either. As I was not contacted prior to this action, I was not allowed to exercise my right to either dispute or agree on a payment arrangement for the said debt. I was also not given a chance to request evidence/proof of reported debt. I am therefore reporting the creditor and appealing for the removal of the reported debt from my credit report. Details of reported debt - NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX Amount : {$1500.00} Original Creditor - XXXX XXXX XXXX Thank you.
Company Response:
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In the Fall of XXXX we made the decision relocate to Florida. I spent several months investigating various communities that would meet the needs of my family and that we could afford. I submitted an application for a four-bedroom unit advertised as AVAILABLE for our tentative move-in date. XXXX does hourly/daily updates of availability of properties. We paid the required two applicant fees of {$170.00} with a deposit of {$350.00} to hold the floor plan we chose. Nothing in the Contract we received alluded to anything about these fees being non- refundable prior to submitting the payment information. The fees were immediately subtracted from our bank account. We received a letter of approval and congratulations affirming our contract. The following day after having received this letter of acknowledgement, we further received, via email, notification that there were no four-bedroom units available to us ; and should we choose not to be placed on the waitlist automatically, we had 48 hours to reach out to the property to cancel the contract. Waitlisting was never stated as a possibility in the contract we signed. It was a violation of the aforementioned. AgreemenXXXX. There were 3 different extensions which I dialed so that I could straighten this out with a live agent. NO-ONE answered. We then sent out email inquiries through the page of XXXX XXXX XXXX, and once again received NO RESPONSE to our attempts to reach a live representative. Each time we made phones calls we left voicemails requesting that an agent return our calls. NO ONE called back, ever. I left a XXXX review in hopes that someone at the office would reach out to us in response. Sadly, we realized that we were defrauded ; neither phone calls nor our good faith deposit were returned. We contacted our credit card company to cancel the payment ; fees totaling {$520.00}. Months later we received threatening emails and calls from XXXX XXXX telling us that our account was being sent to Collections ; and legal action against us was initiated. We called AGAIN and this time, someone, named XXXX XXXX, senior collector answered. After explaining our situation, he was hostile, disrespectful, and said he is submitting our account to collections at that moment. I requested to speak to a higher-level management representative who was also of NO HELP and dismissive. I emphasized that due to my husband 's prospective employment ; our childrens school dates, and the termination of our current lease- that flexibility in move-in dates were not an option. Reviews on XXXX for XXXX XXXX XXXXXXXX from others who had similar experiences, confirmed my allegation. As a result, my husband lost over 100 points on his credit report while my credit dropped XXXX points. Ultimately, the points were reinstated after I filed disputes with each credit reporting agency. Subsequently, we learned that a collection of {$520.00} was again placed on our credit report through a different collection agency, National Credit System. I have emailed them a copy of my above letter and thus far received no response. We filed a dispute with all three credit reporting agencies, and had the collection removed. Nevertheless, shortly afterwards, the collection demands reappeared on our rating. This has been going on since XX/XX/XXXX. We are in the process of trying to buy a home and this false credit report is preventing us from good faith negotiation.
Company Response:
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A