Date Received: 2022-06-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: FAIR DEBT COLLECTIONS PRACTICES ACT ;, NOTICE OF DISPUTE OF DEBT, CEASE AND DESIST, DEMAND FOR VERIFIED DOCUMENTATION Account # XXXX Dear Whom may concern., This letter is in response to a notice that was sent to me on the above-mentioned date. Please note that this is NOT a refusal to pay, but rather a NOTICE being dated XX/XX/XXXX, ; a. ) You have received this NOTICE in compliance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809, about the above-mentioned account. This is a request for VALIDATION submitted pursuant to the above-mentioned Title and Section, not for " verification '' or evidence of my mailing address. I respectfully request that your offices supply me with competent evidence that I am obligated to pay you under Federal law. Under the FDCPA, I have the legal right to demand proof of the alleged debt you claim is owed to you. I'm demanding evidence that I am the party you're asking to pay this debt, and that I am obligated by some contractual responsibility to pay this amount. Furthermore, you are not permitted to pursue any collection operations, including putting this information on my credit report, unless you present me with legal documentation of this debt. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. DEMAND : I hereby DEMAND that you provide me with the following verified ( sworn to by affidavit ) documentary evidence in substantiation of your alleged debt claim. CERTIFICATION OF AUTHORITY : Please provide ( a ) : verified certificate of authority, or fictitious/assumed name certificate from the State of Texas authorizing your company to transact business in the State of Texas ( b ) : your license number ( s ) and Registered Agent. 2. AUTHORIZATION CONTRACT : Please send me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above alleged account, and naming you as an authorized collection agent/claims adjuster. 3. ORIGINAL CONTRACT : Please send me a verified copy both FRONT and BACK of the alleged ORIGINAL contract/agreement/promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged original creditor who states that he/she has PERSONAL FIRST HAND KNOWLEDGE that said front and back verified copy is that of the original alleged contract/agreement/promissory note. 4. CUSTODIAN OF CONTRACT : Please provide the name, title, address and phone number of the natural person who is the CUSTODIAN of the actual alleged contract/agreement/promissory note. If the physical location of said alleged contract is different from that of the CUSTODIAN, please provide the address of that location also. 5. COMPLETE BOOKKEEPING ENTRIES : Please provide the original account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original CUSTODIAN of the books and records sworn to be true, correct, and complete, upon his or her commercial liability. 6. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 7. Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are non transferable. 8. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt may constitute MAIL FRAUD and a complaint will be filed with the U.S. Postal Inspection Service and the F.T.C. pursuant to applicable law and any litigation that ensues will name you in your personal capacity as defendant. 9. Provide Proof That National credit systems Inc is not governed by Code of Federal Regulations? 10. Provide Proof that the FDCPA 15 USC1692 applies to National Credit Systems , Inc 11. Provide Proof that National Credit Systems , Inc didnt participate in violations of 18 USC 894 12. Proof this wasnt a consumer credit transaction At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Consumer reporting agencies XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in appropriate action against you for the following : Violation of the Fair Debt Collection Practices Act Violation of the Fair Credit Reporting Act Defamation of Character Please be aware that I realize that validation requires the production of an account and a general ledger statement signed and dated by the person in charge of the account. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. See Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P. 936 ( XXXX ), GE Capital Hawaii , Inc. v. Yonenaka 25 P. 3d 807, 96, Hawaii 32, ( Hawaii App XXXX XXXX, Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super. XXXX ), Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A. 2d 1218, 201 Conn. I ( XXXX XXXX, and Solon V. Godbole, 163 III. App. 3d 845, 114 I11. XXXX XXXX 516 N.E. 2d 1045 ( 3Dist. XXXX XXXX. If your offices are able to provide the proper documentation as requested in this Declaration, I will need at least 30 days from the date of receipt to investigate this information, during which time all collection activity must cease and desist, which means that all collection activity must cease and desist until you have provided me with all of the information requested in this letter and I have had 60 days to review it. You must refrain from contacting anyone or anything in any way. You may only write to me at the address mentioned on this letter via certified mail. As an act of good faith I am extending to you thirty ( 30 ) days from the receipt of this notice to perform in compliance with the aforesaid demands. If your office fails to respond to this validation request within 30 days from the date of your receipt, If you refuse, the legal notions of acquiescence and admittance will apply, and the claimed obligation will be ruled invalid and so completely rejected. In the meanwhile, you are not entitled to contact the undersigned unless in writing and solely in relation to the subject matter set forth below. All future communications with me MUST be in writing and addressed via USPS to the address listed in this letter. I, XXXX XXXX, do hereby confirm and affirm that all facts stated herein are true, correct, complete to the best of my knowledge, not misleading, admissible as evidence, and are signed under the penalty of perjury.
Company Response:
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Firstly, according to court order the actual owed amount was a little over 2 grand and they sent me to collections for XXXX grand. The debt is from 2015, meaning the 7 year line has nearly hit. Since about 3 months ago they have repeatedly removed and re-sent me to collections making my credit score fluctuate. This is only to XXXX, I have disputed on XXXX off the basis it was removed from XXXX which is what I believe started this. They have also called family members not involved with this debt and sent mail to every address I had prior and after the debt.
Company Response:
State: NM
Zip: 87112
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I found out on XX/XX/22 I was a victim of identity theft bc leasing consultant at XXXX by the name of ( XXXX XXXX ) contacted/XXXX the address on my ID. Because the person pretending to be me was caught in a lie about rather the address was a house or apartment complex. XXXX tells the purp that on the ID it says apartment # XXXX and the phone disconnects. XXXX finds the apartment complex on my ID and calls them to verify the information on the application and ID. I only find out what was going on bc my sister whose address ( XXXX XXXX XXXXXXXX XXXX XXXX ) was faced with a 7 day eviction notice. Once that happened her boyfriend contacted me to let me know whats going on in XXXX XXXX, Fl. Once I found out I went to XXXX twice to meet law enforcement to file a report of Identity theft. XXXX gave her account to Sheriff Officer XXXX and so did I. When it comes to these apartment complexes they are just placing debts on peoples accounts rather they verified it wasnt you or not! They dont care they only care about revenue that was never theirs to begin with I never lived at any of the places that are on my account none of this is falls under fair credit anything far as I know I never been a victim of identity theft and have to go through so much to get these false reports off after they knew it wasnt me. They have my social and ID not bc I gave it to them now theyre trying to hold me responsible for the debt to be paid.. In what world are we in??
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: National Credit Systems showed up on my credit report this month. I never received any initial contact ( phone call, email, etc. ) that I even owed a debt. I could have resolved this prior to it going to collections.
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a duplicate reporting on my credit that I tried to dispute from the same company and its hurting my credit. The creditor is XXXX I for the amount of XXXX and one is dated XX/XX/XXXX and the other is dated XX/XX/XXXX. It was sent to collections XXXX XXXX and XX/XX/XXXX for the same amount.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: According to this invoice I was charge twice for the month of XXXX and a reletting fee. The amount owed is incorrect/fraudulent and would like National Credit Systems , I to remove this collection from all three credit bureaus XXXX, XXXX, and XXXX XXXX XXXX The amount and dates Im referring to is XX/XX/2019 for {$890.00} and XX/XX/2019 for {$890.00} plus the reletting fee {$760.00} on XX/XX/2019, also showing a balance of {$940.00} XX/XX/2019. Under state rental law a leasing property can not charge rent twice in one month and a reletting fee. Furthermore, the amount of {$35.00} were added for XXXX XXXX, and {$25.00} for XXXX XXXX which should have not been billed because the reletting fee of {$760.00}. Reletting Expenses means all costs and expenses incurred by Landlord in connection with the reletting of the Premises following a default by Tenant, including, without limitation, the expenses of obtaining possession of the Premises, the costs of cleaning, renovation, and repairs.
Company Response:
State: TX
Zip: 77081
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Listen to this please In XXXX I was in school I was kid in the XXXX grade going through a lot and I didnt have a job ok next XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contact me saying that have to pay they have my social number and my email address Im on the phone with telling them I didnt apply to no college campus in XXXX and then I said I was a kid so i dont how yall got my in information I didnt signature nothing an second I dont know where that at an third I havent seen college campus or havent been one and I told them Im not paying for something that not true and I ask them so yall going to make me pay for something I didnt do and they said yes no matter what you do or do got a job and next I had contact them and said Im a police report they said that wont help, i keep telling them over and over I didnt do it in respectful way and they was being rude to me an yes I got rude back Because I dont appreciate someone rude to me and I being nice and telling the truth I should have record them but I couldnt I didnt have other phone, Me and my auntie even told them to check my medical records that proof right there that Im XXXX I hope and pray yall believe me and I know they going to disagree because they know they wrong for this they could of taking me off of repeatedly over and over telling them I didnt do it but like I said I hope and pray yall believe me and I know they going to disagree because they know they wrong for this
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was notified on Friday, XX/XX/2021, that there would be people walking around that would be doing an inspection of my apartment. This inspection came as a result of my neighbor in apartment XXXX having pipes burst caused by the unexpected winter storm. Upon leaving my apartment, the inspector made it clear that the apartment was unlivable. They marked off several walls with blue tape indicating that they needed to be taken down for repair, and a dehumidifier was placed in my apartment. On Saturday, another dehumidifier was placed in my apartment in addition to a floor plan of my apartment taped to the front door. The floor plan showed all of the areas of repair that needed to occur. I called Friday XX/XX/2021, Saturday XX/XX/2021, Monday XX/XX/2021, and Tuesday XX/XX/2021 to speak with XXXX XXXX in an effort to find out what exactly was going on as well as what the expected resolution would be. I made the leasing representative aware that we had XXXX XXXXXXXX XXXX XXXX XXXX and have documentation from the XXXX XXXX. I was told on 3 days out of the 4 days I called that my name was not on the list of affected apartments. I made it clear that I wanted to get ahead of what may come. I had turned in my intent to vacate the apartment prior to these findings with no response from the leasing office. Upon speaking to XXXX on Tuesday, XX/XX/2021, she indicated that she was made aware of my intent. XXXX offered to move me to another apartment as my lease was up in XXXX. I expressed that since my apartment became unlivable, I wished to terminate my lease. XXXX indicated that I still needed to pay for XXXX lease. However, upon conducting necessary research, I have been made aware that is not correct. According to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, You can terminate your lease Before you stop paying rent, you must give your landlord written notice that you are canceling your lease because your unit is no longer livable due to damage caused by a disaster. If you need help writing your notice of termination letter, you can contact your local Legal Aid, Texas Legal Aid, or another legal support organization for help. Make sure you send your letter by certified mail, return receipt requested, registered mail, or delivered in person to provide a record of them receiving the letter. You are entitled to your deposit and prorated rent. Once your lease is terminated you are entitled to a prorated refund of rent from the day you move out. You are also entitled to the return of your security deposit, minus legal deductions for normal wear and tear. Make sure your landlord has your forwarding address. Your landlord can offer you an undamaged unit to move into. If your landlord has an undamaged unit that they own, they can make it available for you to move into. If you choose to move into another unit your landlord owns, the terms of your current lease will apply. They can not make you sign a new lease. Your landlord can not make you move into another one of their units. Based on the provided information, I provided the adequate notification that was required. My information was sent to a creditor after I was billed over {$3000.00} for insufficient notice fees and early termination even though XXXX knew that I could not stay in my unit. I was cooperative with the national credit systems investigation, but XXXX refused to be compliant. As a result of their noncompliance XXXX decided to send my information to an attorney to try to collect money that was not genuinely owed to them. I cooperated with the attorneys investigation of the events as well. XXXX XXXX gave several different reasons as to why they said that I owe the charges none of which recognize the winter storm. I have in my possession photos and videos as well as two recorded conversations with the manager XXXX XXXX. The recorded phone calls prove that I was not responsible for any of the charges that XXXX has placed on my credit. The only thing I old was {$50.00} for some scratches on the wall what should have been taken from my deposit. I was not given my deposit back, I was not given prorated rent, and they have continuously lied about the charges on my credit file. I did speak to an attorney over at XXXX XXXX XXXX and he said that I follow the proper steps and protocol the next step would be small claims court. I am trying to avoid going to court as I do have to work and they should have been resolved a long time ago.
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 Section 602 : States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: When my lease ended on XX/XX/20, XXXX at XXXX XXXX XXXX submitted {$1400.00} straight to collections ( National Credit System ). I did not receive any notice to dispute or pay directly to them via email, mail, or phone call since I had to move immediately. I would have paid XXXX at XXXX XXXX XXXX directly since they charged me for not making the rent until they found a replacement renter which I also knew nothing about. I ended up paying the {$1400.00} since I could not reach XXXX at XXXX XXXX XXXX and out of fear since this was the first time I've ever had anything submitted to collections ( without communication to me ) until it was too late and past due.
Company Response:
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A