Date Received: 2022-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a credit alert from XXXX for National Credit Systems. I contacted the company and was told that the debt was for move out fees for XXXX Apartments. I have never lived in XXXX Apartments so I attempted to file a police report. Police informed me that I needed a lease or proof of the fraud. I requested this information and was provided an invoice for move out fees but no actual proof of a debt in the form of a leasing contract. I have never lived in XXXX Apartments and the collection company refuses to remove this collection item which is adversely affecting my credit.
Company Response:
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: National credit systems inc at XXXX naturally XXXX XXXX XXXX Ga XXXX has been sending me collection notices in the amount of XXXX dollars XXXX cents the collection has been reported to all credit bureau as past do balance. I do not know this company. I have never done business this company. This company does not have a contract with my signature on it
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid for a bond that worked as a security deposit ( XXXX ) at move in that covered an amount up to {$1000.00}. I sent this documentation to the original leasing company and never got a reasonable response. The only charge at move out was for {$120.00} for cabinet cleaning. This charge is not owed by me, as it needs to be charged to the deposit.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
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 was wrongfully evicted after the complex returned 3 months of my rent. I attempted to resolve it with the company by phone, but they still wanted me to pay most of it. Also, I disputed it via XXXX XXXX, but it was not resolved.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is not a Dispute. I am a Victim Of Identity theft. Please do not act in violation of the FCRA 605B, 615 ( f ) and 623 ( a ) ( 6 ). As the consumer, I have done my part in reporting this to all necessary authorities including the FTC and Local Police Dept. My Signature on the FTC report serves as my sworn statement. 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18 USC 1028A Aggravated Identity Theft 18. Invasion of Individual and Family Privacy
Company Response:
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NCS IS ALLEGDING THE DEBT BELONGS TO ME for {$75.00} XXXX please reference complaint # XXXX. The copy responded to my previous complaint with the documents for a tenant that resides in GEORGIA Im disappointed that the cfpb has allowed this account to continue reporting even though they have failed to prove this debt belongs to me, even though Ive expressed I was a victim of theft. Please remove this account from profile. Ive attached my affidavit, as well the documents NCS gave you guys for an account as Ive said for the thousandth time DOESNT BELONG TO ME!!
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: NATIONAL CREDIT SYSTEM Original creditor : VXXXX XXXX XXXXXXXX XXXX {$3500.00} Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2015 Account type Collection I have spoken with this company and was told they would send me proof of this contract as I am not aware of this collection and this needs to be removed from my credit report and have not received a written response over 30 days as requested.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I XXXX XXXX XXXX is a victim of identity theft I contacted National credit systems on XXXX to notify them that I was a victim of identity theft & fraud and they stated I need to send in a police report and theft affidavit which I did the same day XXXX I sent a certified letter XXXX demanding them to remove the said fraudulent accounts from their records and report to the credit report agencies that the said account was fraudulent and need to be removed XXXX XXXX that was handling my account which is the employee of National credit systems stated to me she did indeed receive it and assured me she will get it took care of give me 30 days to investigate I have sent over 70 emails because nothing was done here we are XX/XX/2022 my credit report is still showing negative and the fraudulent account is still there so now Im taking legal action to suit national credit systems for reporting fraudulent inaccurate information the suit will be in affect XX/XX/2022 which they are in violation according to FTC AND THE FAIR CREDIT REPORTING ACT SECTION 605 B
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: By 18 U.S.C Code 1028 ( knowingly transfers an identification document, authentication feature, or false identification document knowing that such document or feature was stolen or produced without lawful authority ). I have been trying to take these collections out of my credit report for a year cause of an identity of fraud.
Company Response:
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A