Date Received: 2022-07-15
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: National Credit Systems Have used illegal practices, also this account was removed from My XXXX, XXXX, and XXXX reports then pops back up. This needs to be removed immediately.
Company Response:
State: NC
Zip: 28792
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts and Inquiries on my credit report are fraud. I would like for them to be removed, because it is affecting my credit score and me and my family being able to rent and get a car. National Credit Systems {$3000.00} Acct # XXXX National Credit Systems {$1600.00} Acct # XXXX XXXX XXXX XXXX XXXX {$4500.00} Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CO
Zip: 80831
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My girlfriend and I moved out of our ( XXXX at XXXX XXXX ) apartment on XX/XX/XXXX. We paid our rent in full, in addition to the required fees per the online invoice. Nine months later ( late XXXX ) we received a collections request from National Credit Systems Inc on behalf of XXXX at XXXX XXXX indicating we owed {$210.00}. There was no detailed explanation as to what the debt was for at all. On XX/XX/XXXX we responded ( via registered mail ) to National Credit Systems disputing the debt and asked for debt validation. It wasn't until XX/XX/XXXX we received a letter from National Credit Systems demanding payment or our credit would be affected, and no explanation or validation of the debt owed included in the letter. We checked our credit and found out that National Credit Systems had attached our credit back in XXXX of XXXX. On XX/XX/XXXX we wrote another letter back to National Credit Systems ( sent registered mail ) explaining to them that we still have not received a debt validation letter from them and that they have violated several sections of federal law by their actions and/or nonactions. We have yet to hear back from them.
Company Response:
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I moved out XXXX XXXX XXXX in XXXX of XXXX. Prior to moving out, I called the office back in XXXX of XXXX to make sure I was good to go and did not have any outstanding balances, they told me I was fine and could move out. They did not inform me of any balance on my account then, or anytime after I moved out. Fast forward to XX/XX/XXXX, I see XXXX XXXX XXXX has sent a bill of {$180.00} to NATIONAL CREDIT SYSTEM, however I was NEVER notified of this. To this day, I have not received a single letter, email, or phone call from either creditor notifying me of this debt. I found out because it is now reflecting negatively on my credit. By not notifying me of this and sending the debt directly to collections, they are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). I have included an email from XXXX XXXX I received after a phone call with them on XX/XX/XXXX, where they admit they " mixed '' things up, meaning they did not notify me of this balance or debt previously.
Company Response:
State: NV
Zip: 89503
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Ive been contacting National Credit Systems about them saying that I owe money for a place that I do not live at. Ive asked them for a copy of the lease, and information about what I owe. They just say I have to pay the debt. They will not give me any information about what is going on with the debt. Ive been asking for proof, copy of lease, copy of utilities something saying that I supposed lived there. Ive been trying to find answers from them n keep getting the run around. I had to call them to even find out what was going on with this debt. They are rude n hang up on people too. Say I owe {$470.00} XXXX apartments at XXXX. I contacted them. They never contacted me about this. 2019 I need proof. Thanks
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I did not receive any notice if this Debt Collection. I contacted the debt collector about this debt, The advised me to Pay half to remove off of my credit report. I then could not help but notice i have never received any information regarding this Debt in the mail or via Email.
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I reached out to XXXX to dispute information on my credit report from National Credit Systems Inc from XXXX XXXX XXXX. It previously stated that I owe XXXX and is now showing that I owe XXXX as of XX/XX/XXXX. XXXX XXXX filed an XXXX on XX/XX/XXXX with the XXXX XXXX Justice court and got a judgement for {$710.00} Case # XXXX. I was on XXXX XXXX XXXX, I was working and did not update my information and owed money on rent. My mistake. XXXX XXXX wanted me out because they wanted to raise the rent. I did not damage the apartment. Palm terrace then submits a report to National Credit Systems on XX/XX/XXXX for the amount of XXXX. There is a big difference between {$710.00} and {$7100.00}. It has been on my credit report for some time. This has had a big effect on my life. This amount is incorrect. I did not do XXXX of damage, and if it was the case, they would have submitted it to the XXXX XXXX Justice Court when they XXXX me. They have no documentation, photographs, or receipts that show I did this that is why they did not present this to the court. XXXX XXXX even pays a vacancy amount when tenants are evicted. I believe it is a 30 to 60 day vacancy fee. I would appreciate you looking into this matter. I am sure XXXX XXXX XXXX has done this to other tenants.
Company Response:
State: AZ
Zip: 85006
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Reference : XXXX My friend and I wanted to move into an apartment. We called up the XXXX at XXXX at XXXX XXXX and were told that we could fill out an application that would cost us XXXX $ each. My friend and I filled out our applications and paid the fee, which can be proven by submitting our bank statement. No apartments were available but we were shown XXXX that had recently been vacated and would be available, after cleaning and repairs, at the end of the month. We were told that we would not be getting the apartment, we were just shown the apartment so we could see what the layout was. The XXXX told us that we would be contacted if something became available, in the meantime our application would be processed. At no time were any other fees mentioned, nor was any paperwork given stating that any other fees, except for the already paid application fee, were due. We were turned down because of my friend 's credit report. I received a notice from National Credit Systems in XXXX stating that I owed XXXX at XXXX XXXX {$240.00}. The letter did not state why I owed money. When I attempted to contact XXXX at XXXX XXXX, the number we had for the XXXX was disconnected. I am therefore disputing this bill as I have no idea what the charges are for, and certainly know that, other than the XXXX $ application fee, I am not responsible for any fees. Thank you for your kind attention to this matter, XXXX XXXX
Company Response:
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Accounts # XXXX National credit systems, has violated my rights. In accordance with the fair credit reporting act XXXX Accounts # XXXX XXXX XXXX XXXX has violated my rights. 1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: GA
Zip: 30161
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed multiple times with XXXX concerning the collections account being reported on my consumer credit report from National Credit Systems INC. In lieu of the disputed information, XXXX willfully failed to conduct a reasonable investigation and their determination of the account being " accurate '' and updating unrelated information to my dispute, such as an invalidated " Account # XXXX *STATUS DATE *BALANCE DATE '' were intentional and negligent violating my FCRA right under section 609. On XX/XX/2022, I sent certified letters ( USPS ) requesting a written validation notice requesting the original contract with my signature for an account with National Credit Systems Inc. XXXX willfully failed to delete the disputed information as requested. Furthermore, National Credit Systems Inc. violated my FCRA rights by intentionally returning the certified USPS written validation notice request with no signed contract, forfeiting the accuracy and validity that the collection being reported on my consumer credit report is valid.
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A