Date Received: 2022-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NATLCRSYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My dad got in apartment/ home in his name when I was under age XXXX but he had to list his children in the lease since we would be living there as well. I am not sure what happen but they also put this apartment on my credit even though I wasn't the lessee as I am not responsible for this debt and should not be on my credit and it has been sent to a collection agency. I have made many attempts to remove this dept with no progress made. Please help as I am a young man trying to excel in life, I pay my debt. Creditor XXXX XXXX XXXX XXXX Apartment account # XXXX account type : Collections Bureau Code : Joint date open : XX/XX/XXXX on XXXX, XXXX XX/XX/XXXX Balance : XXXX Payment Status : Collections/Chargeoff last reported : XX/XX/XXXX on XXXX, XXXXlast active XX/XX/XXXX, on XXXX, XX/XX/XXXX
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, National Credit Systems and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication would be National Credit Systems is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. It is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as National Credit Systems allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit A.
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been trying to get this off my credit report since 2 things off my credit report. I never lived at this place and don't owe them anything. i talk to the leasing company and was told they was going to fix it and it will be removed give 30 days nothing happened I see that they sold it to a collection company. National Credit System {$6300.00} XXXX {$450.00}
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a phone call from National Credit Systems , Inc. on XX/XX/2022. However, when I asked for the representative to verify the debt, they had hung up on me. The phone call lasted for 1-minute. See attachment.
Company Response:
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I would like to make the complaint to XXXX XXXX XXXX, XXXX XXXX-CA and National Credit System regarding my scam debt. I did not sign the lease agreement and moved it or took the room key, but they put me on collection. I did have a apartment tour, before they asked me to sign the tour papers. They did not explain or disclosed what in the papers, and I got their debts on my credit report as collection {$570.00}. They were scam. Please investigate
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
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: Hi, I XXXX XXXX XXXX XXXX, am a consumer with protected consumer rights. After careful review of my consumer report and in comparison with the Federal Consumer Laws it is apparent that your company is violating my consumer rights. If you look at the law 15 USC 1681a 2 ( A ) ( i ) it clearly states my consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Furthermore, those transactions and experiences are excluded. Your reporting of experiences and/or transactions on my consumer report is a direct violation according to congress.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: National Credit System is in violation of the federal law 15 USC 1681 ( b ) permissible purpose of consumer reports in which I the consumer never gave written instructions to furnish these items on my report. National credit system is reporting on my consumer report and the account had got deleted off my XXXX account. Whenever I dispute the information with this company, they don't give me any proof of the alleged debt. The company did not send me documentations with my written signature, According to Section 604 ( a ) ( 2 ) of the FCRA permits a consumer reporting agency to provide a consumer report when it is " in accordance with the written instructions of the consumer to whom it relates. ''
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/21 a letter was mailed with certified receipt asking for validation of this debt and I havent received a response within the 30 day threshold from XXXX XXXX XXXX I called in to verify my letter was received and they confirmed over the phone please remove this account I now consider it to be invalid after failing to validate it.
Company Response:
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A