Date Received: 2022-03-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Step 1 : Sent off dispute letter. National Credit Systems respond in 30 days. Letter was sent off and delivered certified mail XX/XX/XXXX XXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX. Company Responded XX/XX/XXXX not being able to validate debt or records and proceed not to remove the reporting collection off my credit. Step 2 : Sent off letter 2 dispute letter. National Credit Systems responds in 30 days :. Letter was sent off and delivered certified mail XXXXXXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. No response. Step 3 : Sent off dispute letter. National Credit Systems respond in 30 days. Letter was sent off and delivered certified mail XX/XX/XXXX XXXXXXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Company Responded XXXX XXXX still not being able to validate debt or records and proceed not to remove the reporting collection off my credit.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021 I reviewed my credit reports with all three credit bureaus and noticed a collection from a company by the name of National Credit Systems , Inc . I wrote them a letter on XX/XX/2021 requesting for " Validation '' of the alleged collection. I never received a response. I then wrote another letter dated XX/XX/2021 and sent this letter via Certified Mail. ( see attached proof ) I still recevied no response. I wrote a third ( 3rd ) letter dated XX/XX/2021, mailed via certified ( see attached proof ). I received a simple letter from National Credit Systems Inc dated XX/XX/2021 with no documentation for validation, only a " Identity theft Victim 's Complaint and Affidavit. ' As I reviewed this letter and the attachments sent I notice that they did not have my correct name. I then wrote to them again on XX/XX/2021 informing them that what they sent as " validation '' of a debt was insufficent as well as letting them know that the name addressed on the letter was not me ; mailed via Certified Mail. ( see attached proof ) On XX/XX/2021, National Credit Systems , Inc. mailed me the exact same letter as they did on XX/XX/2021 with the same documentation for me to complete. I have never received anything from them " proving '' what they have reported under my name and social security actually belongs to me. I can not identify this debt, who they are and why they feel that I owe them anything.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: As of XX/XX/XXXX I receive a Call from National Credit system in behalf the past due balance for the XXXX at XXXX XXXX the representative use an aggressive demanding language in which I reacted defensively. National credit claims they have sent a notice to me with the apartment address in which I stated The XXXX have my forwarding address and it was clearly written on the Move In Move out, We argue about this and I asked to speak with a supervisor leave a voicemail to them at National and no answer as of today from. I did told representative about the deceptive action and in violation of FDCPA which she denied claiming even if I didn't receive my Validation notice I will still receive a call. The representative was requesting money/pay plan on this debt that was in conversation within " validation period '' even when I repeatedly said above. I was call by the collection agency within the 30 days validation period without me receiving a Validation notice, I did request verification that XXXX have paid for the replacement of the carpet the amount said. I was at the move out inspection, my carpet was never steam after multiple request and at move out inspection the representative ripped off the carpet and said was to be replaced I signed the move out but pricing was written after at her office. I did provide vacate notice on time and also forwarding address on XXXX. I did attempt to set a payplan even when I knew it was unfair what I was getting charge and on fear I didn't want any negative remarks against my credit or cosigner Who never live at property. I told representative at national I was waiting for corporate for The XXXX call and still waiting. I not sure Why I don't have yet the information I request. My rent was always paid on time and even paid everything owe on the portal prior move out. The XXXX wanted me to paid in full within 60days from move out regardless or face collections they said and provided me National info as collection agency and await to be contacted. XXXX came as said above and as of today No validation notice is being receive. I called today XXXX and spoke with Representative again, this time I called. I have all notification for mail that comes on my Mail and nothing is being receive from National. I asked for the following information over the phone today from them. Date of placement from the XXXX at National Credit : XX/XX/XXXX Date of 1st call from National Credit XX/XX/XXXX Representative claims placed on Dispute due to my disagreement, I requested a Validation notice since National Credit have Fowarding address on Move out form but didn't place accordingly As of Today validation notice not receive but they claimed was mail XX/XX/XXXX Again I have nothing Date of a 2nd call XX/XX/XXXX from myself to National Credit I was told account is on a temporary hold and what National Credit to the XXXX is not being receive as of today. I told representative at National Credit is being 30 days since placement date XXXX this debt is invalid they defaulted to send Validation Notice as required by Law and they are pursuing a debt without the Invoice to substantiate the charge.
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I saw a collection account on my credit report for National Credit Systems, but I did not know who they were. I contacted the credit agency and they came back with a generic response stating that it was verified, but that is impossible. I was victim of a car break in where my wallet was stollen a couple of years back, but I never noticed this item on my report. it only came up because I went to buy a new car, but was unable to because this plummeted my score. when I look at the report it says National Credit Systems and says that the original creditor is XXXX XXXX. the problem with that is that I have lived in the same home for the past 17 years with my parents and I am only XXXX. According to this creditor they have had me in collection since XX/XX/XXXX. I have lived no where else, I have received no correspondence. I also sent a letter to National Credit Systems asking for a copy of what ever agreement or document that proves my signature but there still has been not response to date and that was in XXXX or XXXX
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have filed police report and ftc report and they still refuse to properly handle this situation
Company Response:
State: GA
Zip: 30117
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The XXXXXXXX XXXX are trying to say I owe them {$430.00} because they lost income because I moved out without proper notice. They sent my debt to National Credit XXXXystems and now my credit score went down. I do not owe them any money. I have signed documents from the apartment manager saying I will move out per my leave. I also got another housing voucher from XXXX XXXX XXXX XXXX because I moved out and couldnt stay month to month. Attached it my request to move form that was signed my apartment manager saying I moved out XX/XX/2021. Also attached is my payment history where XXXXXXXX XXXX gave me a move out credit. For two months after my lease ended XXXX XXXX tried to collect rent from XXXX but it was reversed because I no longer lived there.
Company Response:
State: TX
Zip: 78212
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/ 2022 I constructed the attached letter and mailed it certified. No response was every received to verify this information. I have asked that this be removed from all credit reporting agencies. I was removed from one but not the other two. Please advise. Thank you
Company Response:
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone fraudulently applied for an apartment under my name and didnt get the apartment. I contacted the apartment company and they cleared out the bill and sent me a email with a zero balance.
Company Response:
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: XXXXNational Credit Systems -no action taken XXXX National Credit Systems handed collection over to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX, Georgia and I am being sued in a state where I have never lived and I did not sign for this debt in the state of Georgia!
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I moved into an apartment in XXXX XXXX XXXX XXXX called XXXX XXXX and a few months after moving in I went home to XXXX for 2 weeks for a family emergency. I had gotten a call from a neighbor next door that they were several people in my unit. I called the 24 hour security the second I found out and he went right to the unit and a female opened the door while I was on the phone with him. He specifically asked her if she was ( my name ) she replied with yes. They did not make her show ID to prove her identity. I called the police, I called the property several times and there was nothing anyone could do to get her out. I turned off electric to try to run her out. Then very rudely was notified the next day by the office that Im not allowed to turn it off during an active lease so the property had it turned it on again through there company name. I was exchanging emails and phone calls with the company and nothing was done. With signed permission from me to the property through email, I had a friend go to my unit to make sure nothing was damaged. She had to give her ID in exchange for keys to the unit. This was allowing her to go in to make sure things are OK on my behalf. When she was in the unit, all my furniture, TVs, kitchen goods, everything had been gone. Im told I owe over {$8000.00} to this company. I have been fighting for years. I stopped all communication with them as they are not helpful. Always told nothing can be done due to squatters rights but what about my rights as a tenet. They did not protect my unit knowing there was nothing I could do while away. This place has caused me nothing but trouble. I have made police reports hoping it would help resolve the issue.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A