Date Received: 2022-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX am stressed out about this Company call National Credit Systems. They are on my Consumer Reports holding me back financially by staying on it, attempting to collect a debit on behalf of a Creditor. They also even state they are collecting for another Creditor which is illegal. This practice makes National Credit a 3rd party Collector. I have no contract with National Credit nor ever gave them any permission to report anything on my Consumer Report. They are required by law to notify me 1st before they want to post on my Consumer Report. 15 U.S. Code 1692 ( c ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. National Credit Systems have been contacted by me several times and each time they have stood by their efforts to insist that i owe them a debt. I have sent them an Affidavit Of Truth which stands as truth in a court of law. They sent my mail back to me but yet i sent the mail to the address listed on my Consumer Report they had as their listed address. I had to find another address for them online. They clearly are playing games trying to avoid truth. They have not sent back a rebuttal by Affidavit. My word stands as Truth in a court of law. 15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. The debt is reported in positve amount not in a negative amount as owed debt. Also the amount of debt reported has been different amounts. Amounts from {$3500.00} to {$3700.00}. They even sent me a copied contratct where a column for credits listed a security deposit of {$250.00} was added to a credit of {$3400.00}. Then that total what listed in the charges column in positive for of {$3700.00} It makes no sense. This is not fair to me and this is inaccurate and illegal. I have attatched documents with close ups of the copied contracts and my Consumer report where they clearly show they are not Creditors in fact, i point out the XXXX XXXX who listed on the contract. XXXX XXXX XXXX XXXX. If is not even the name that National Credits Systems listed as the Creditor XXXX XXXX.
Company Response:
State: TX
Zip: 77502
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have told them to stop contacting me all communication shoud be thru mail a " cerified letter '' and thee con tinue to call me according to 15 USC 1692 ( d ) DA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX I called National Credit Systems and they do not even own the fraudulent debt but yet they are reporting it as mine on all three credit bureau XXXX National Credit Systems made no attempt to validate the debt as mine and sent me to another company. The documents that, this other company, sent me did not have my signature on them and they were not complete, as they were missing pages, nor did the provide me any type of identification proving it was mine. I demand that this National Credit Systems remove this debt for ALL credit agencies and National Credit Systems has until XXXX XX/XX/2022 to get it done or I shall bill them {$1000.00} per day until this fraudulent debt is removed. Additionally, National Credit Systems or any of it subsidiaries shall NEVER report to any credit report agency ever!! National Credit Systems can't validate that this debt is mine. National Credit Systems can not even prove that they own the debt and National Credit Systems inappropriately place it on my credit report without the legal right to do so. and it MUST be removed!! Thank you, XXXX XXXX
Company Response:
State: MI
Zip: 48036
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This debt is actually a apartment rental debt. This debt was to be paid by XXXX XXXX. I applied to XXXX XXXX and they were to pay this debt due to the Pandemic-Covid 19. the amounts are incorrect as well. I submitted all documentation to XXXX XXXX for amount to be covered
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: NATIONAL CREDIT SYSTEMS is reporting an account to my consumer report causing defamation to my character. NATIONAL CREDIT SYSTEMS has identified XXXX XXXX as the supposed original creditor for this alleged debt. I contacted XXXX XXXX and they informed me that they filed a XXXX Cancelation of debt with the IRS for this account and the account has been paid. NATIONAL CREDIT SYSTEMS is attempting to collect the same amount XXXX XXXX wrote off with the IRS. This is tax fraud and I will report you to the IRS. The IRS defines a written off account as income and income is NOT reported on a consumer report. NATIONAL CREDIT SYSTEMS is attempting to extort me by furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ACCOUNT NUMBER : ( Original Creditor : ) ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : NATLCRSYS ACCOUNT NAME : XXXX
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A collection from an apartment complex sent a bill to collections under my information. Which is not mines at all.
Company Response:
State: TX
Zip: 77036
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit systems has reported an invalid debt to XXXX XXXX credit file. After reviewing the documents sent to XXXX XXXX after debt was already reported to his credit file was totally out of line and did not follow the guidelines set by the FCRA. XXXX XXXX should have been notified prior to account being placed on his credit file. Also after reviewing the documents National Credit System sent theres not a signature or agreement between XXXX and XXXX XXXX. XXXX XXXX did not sign or agree to any contract with XXXX. National Credit System did not and can not provide any signed agreements between XXXX and XXXX XXXX. As XXXX XXXX council representative if this account is not removed immediately we will file sue with XXXX XXXX XXXX house accordingly. My firm advised XXXX XXXX to withdraw/ void payment. We also reached out to Elevations XXXX they also agreed there were no contract signed between XXXX XXXX and XXXX. We have reviewed all documents thoroughly and there is no signature or contract between XXXX and XXXX XXXX. Once again we will pursue damages caused by client National Credit Systems if collection account is not remove from credit bureaus. The penalty is up to {$1000.00} per reporting inaccurate information per each credit bureau. National Credit system has used illegal and unethical tactics to collect monies not owed which has damaged XXXX XXXX credit rating. My law firm will see this through entirely. XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case NATIONAL CREDIT SYSTEM is attempting to collect as XXXX XXXXXXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. NATIONAL CREDIT SYST XXXX Opened XXXX. XXXX, 2017 Balance {$3700.00}
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A