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 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose.
Company Response:
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and have filed a FTC report and police report and notified every accounts company that was opened fraudently.
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, On XX/XX/XXXX i sent an email over to the property manager, stating i will be moving out. My lease was fully signed for the new complex. Due to the pandemic the leasing office was closed. I was instructed to send an email to the main office, and they will attach it to my account. Nothing was ever done and about 4 months later i received an invoice saying i owe a balance that i didn't owe. I need to speak to whom ever to help me get this off my credit. I have exhausted all my resources and this is unfair and blocking me from moving again. someone please help me please
Company Response:
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: You are fraudulently and falsely reporting HOW ARE YOU FALSELY & INACCURATELY REPORTING MONTHLY LATE PAYMENTS TO CREDIT BUREAUS/AGENCIES ON A VEHICLE/PROPERTY YOU HAVE IN YOUR POSSESSION? The account you are reporting on has been IDENTIFIED as a VOLUNTARY REPOSSESSION or ILLEGAL EVICTION & NO MONTHLY PAYMENT ACCOUNT SHOULD APPEAR or EXIST after a the vehicle/apartment was repossessed/vacated I have a right to factual reporting on my credit profile You have falsely reported XXXX late payments since XX/XX/2017 the vehicle/property was sold/rented and was covered by gap insurance or renters insurance or homeowners insurance or my security deposit you have refused to show proof of CHECKS or/and MONEYS received from GAP INSURANCE/Renters Insurance Homeowners Insurance/ Security Deposit COVERAGE. Since the vehicle or apartment is no longer in my possession or occupied by me it is impossible for me to DEFAULT or INCURE LATE PAYMENTS after the fact I have a right to have an accurate and FACTUAL CREDIT FILE & DISCREPANCIES like this are UNACCEPTABLE and VIOLATE MY CONSUMER RIGHTS. So please immediately remove this account and its entirety from all my credit files/reports
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt has to do with an apartment lease that the apartment complex broke in XX/XX/2020. A company that buys debt from apartment companies called National Credit Systems has posted this debt on my XXXX Credit report has described the debt as " XXXX at XXXX XXXXXXXX XXXX '' and listed the debt amount as {$2500.00} I was current on my lease, reported my HVAC unit had broken in the middle of the summer on a Friday afternoon and even though the apartment complex had an after hours repair people, they did not fix my HVAC system until the following Monday. As they had broken the terms of the lease agreement and after that, I could not depend on them to honor the terms of the lease, I moved out before the end of the lease as the lease was, at that point, invalid.
Company Response:
State: TX
Zip: 78747
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on XX/XX/XXXX I was notified about {$9200.00} needs to be paid to National Credit system. XXXX inform me that debt was due to XXXX XXXX at XXXX XXXX XXXX, I called XXXX XXXX and was told someone used my ID to rent and did not pay some times between XXXX XXXX to XXXX XXXX.
Company Response:
State: TX
Zip: 76107
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: National Credit System XXXX XXXX XXXX XXXX, Ga XXXX ; XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX I received a notice from National Credit System on XX/XX/2022 requesting payment for an alleged debt owed to XXXX XXXX XXXX XXXX I wrote to them on XX/XX/2022 via certified mail return receipt, requesting documentation for this debt. As of this date they have not responded or sent any documentation. I do not owe this debt! They reported this to the credit bureaus. My credit rating went from " Exceptional '' dropping to " Good '' which is two categories down and my rating dropped XXXX points because of their reporting.
Company Response:
State: FL
Zip: 32312
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had no knowledge of the amount of {$4400.00} that's been added to my credit. I did not agree nor did I sign paperwork for such. I attended court and there was no eviction.I was wrongfully evicted without notice after giving notice of court but no ruling of eviction were given. I have no documents of the amount or an afee statement..
Company Response:
State: MS
Zip: 39213
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: this is not my debt
Company Response:
State: MO
Zip: 63137
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the accounts to all three credit reporting agencies and they have not corrected this information and identity theft packets. No action has been taken to remove these fraudulent accounts. Also, inconsistency on credit report, derogatory inquires, and reports errors.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A