Date Received: 2022-04-13
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: This account was sent to collections without my knowledge. I received a notification from XXXX about a collections account that I know nothing of. I never received notification nor had I any knowledge of any debt accrued by the company listed. I dont even know what I was being charged for by the company. Its not only fraudulent, but definitely a misuse of my information.
Company Response:
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: My credit infobis being reported as wrong and the account manager threatened that I would pay one way or another. My debt is not with collection company and they are only reporting bad info and not good info
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent you guys my Identity theft report according to my certified letter receipt you guys received this letter on XXXX XXXX, 2022. I have not received any proof that this lease agreement is mine. You guys have not sent me any Signed XXXX agreement nor have you proven that this debt is in fact mine! I demand this be removed immediately!
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: National Credit System for XXXX XXXX in XXXX Texas shows that I was living there with mother XXXX XXXX and I did move to XXXX Tx until XX/XX/XXXX. I sent XXXX, XXXX, and XXXX this info i have regarding me not being in Texas until XX/XX/XXXX. I have my job offer letter from XXXX that I was starting in XX/XX/XXXX so there was so way I could have been there. And still XXXX won't remove this with all the info that was given and is messing up my credit badly I never signed no paperwork or anythign for my name to be on the apartment
Company Response:
State: FL
Zip: 32926
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is in response to complaint # XXXX. NATIONAL CREDIT SYSTEMS provided documentation in the complaint in regards to the XXXX XXXX XXXXXXXX XXXX XXXX. I am a private natural man and will be addressed as so and the documents they provided proved what my initial complaint was about which is they are a third party which means pursuant to 15 USC 1692c I never gave permission directly or indirectly for this third party to communicate with me. Pursuant to 15 USC 1692c I demand you cease all forms of communication including the CRA 's. Credit reporting is a form of communication orally, in writing, and electronically. The documents you provided also proves I have no contract with NATIONAL CREDIT SYSTEMS so this company indeed unlawfully have my private location information and credit card information. This company does not have my authorization to have that private information. They have no authority.
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was emailed a final move out statement from XXXX XXXX. They told me that my final payment was to be made with PDQ. I made that payment with XXXX. Years later, Nation Credit Systems is trying to collect for something I dont owe. This has been paid through XXXX.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I lived in XXXX XXXX from XXXX to XXXX, during that time period COVID-19 happened, I was unable to pay rent due to job loss and only having XXXX for my son as income, I had a phone conversation with the property manager XXXX, XXXX was stated that if I agreed to move out by XXXX, that no action would be brought against me for this account. I wasnt aware of the collection until it was on my credit report for {$10000.00}. I have disputed across all three reporting agencies. I moved into my new apartment on XXXX and have been here since at XXXX XXXX It was reported to National Credit Systems and Ive never received contact from them about this debt or that I could dispute. I will upload pictures of my lease starting on XXXX and pictures of the falling ceiling that was never fixed inside the apartment that me and my XXXX young children occupied. I also never received a eviction notice or any type of notice from this apartment prior to the debt showing up on my credit accounts.
Company Response:
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEMS for committing identity theft and violating my consumer rights. On several occasions, they have manipulated the debt amount to make it seem like there has been activity on the account and that I have paid, when I have not. They also have reported past due balances to the credit reporting agencies and per FCRA on furnisher rules, it is against the law. I have included screenshots of all these egregious actions. I also have never given NATIONAL CREDIT SYSTEMS permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I haven't even received any documentation requesting validation from NATIONAL CREDIT SYSTEMS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT SYSTEMS cant provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence, like a trilateral contract, and receipts of when I paid money on the alleged debt that would make the price increase and decrease ; and that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: These people are rude and unprofessional they did not want to help me at all they hung up in my face when I simply ask to speak to supervisor they threaten me and told me this wold XXXX XXXX my credit they are called XXXX XXXX XXXX I never stayed there never will stay there they refuse to delete this off my credit report doing high pandemic times it has effected me rapidly with great financial hardship they refuse to comply.
Company Response:
State: GA
Zip: 30117
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My apartment Was destroyed by a fire I was then notified To vacate the premises and that my lease would be terminated I was given 15 days to evacuate property. I left. I never gave forwarding address because I was never informed of liability. The Fire Was deemed as accidental with no known cause of fire.
Company Response:
State: MO
Zip: 63020
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A