Date Received: 2021-12-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I moved out of XXXXXXXX XXXX XX/XX/XXXX my lease was broken early. I was contacted by XXXX XXXX in XX/XX/XXXX to advise an amount via email. I personally went to the office and met with XXXX the manager who acknowledged the termination fees were charged twice in the amount of {$3900.00} The fee in the lease shows two months rent. My rent was {$980.00} the fee was {$1900.00}. We agreed to settle for {$1500.00} for the mix up. They didnt give me enough time to pay the debt. I noticed it was sent to collections for {$5300.00}. I was contacted by XXXX XXXX XXXX in XX/XX/XXXX attempting to collect a debt. I was contacted again by XXXX XXXX representatives in XXXX, XXXX, XXXX of XXXX attempting to collect a debt. I filed a dispute with the credit bureaus as well as the debtor that the balance {$5300.00} was incorrect. I provided emails between XXXX and myself with the amount of {$3400.00}. I tried to settle the debt but at the correct amount of {$3400.00} not {$5300.00}. My credit report was updated XX/XX/XXXX. This has caused XXXX XXXX and XXXX as Im unable to refinance my home and my autoloan was given at a higher interest rate due to this inaccuracy.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I wrote a contract with XXXX XXXX XXXX but I change me told them to cancel and they didn't. It was free to cancel within XXXX days. I did twice. It was in XXXX. I was living in other places during that time. until today XX/XX/XXXX I'm trying to apply for a XXXX credit card. I find some dread happened. I got {$7700.00} debt. Clearly, the XXXX XXXX XXXX didn't do their job and without notification. I go back to check email and others. There has no bill from this apt .
Company Response:
State: TN
Zip: 37604
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have already provided photos and documents proving that I fulfilled a lease that I was taken to court for. The attorney on behalf of the company who sold the debt to the collection agency did not object to the eviction and the debt being dismissed with prejudice during the eviction hearing. Months after the hearing XXXX XXXX XXXX sent me all the documentation that I used to prove my case in court in the form of validating my debt for collection. I have tried numerous times to have this item removed from my credit report and also requested that if the company who originally reported the debt wanted to collect they should take me to court. No court action has occurred, as the previous case was dismissed with prejudice, however, the Collection agency continues to report negatively on my report. I gave notice of intent to vacate on XX/XX/2020. I turned in the key on the last day of my lease agreement on XX/XX/2020. A walk through was denied due to COVID, however, I took photos of the entire house prior to returning the key.
Company Response:
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: NATIONAL CREDIT SYSTEM CONTINUOUSLY REPORT A DEBT COLLECTION OF {$2700.00} I HAVE BEEN TOLD SEVERAL TIMES BY EACH CREDIT AGENCY THAT ITS NOT ON MY CREDIT THEN WHEN I APPLY FOR LEASING IM BEING BECAUSE OF A DEBT I HAVE NO VALIDATION OF!!! WHEN I CONTACT THE NATIONAL CREDIT SYSTEM THE REP XXXX WAS VERY NASTY AND UNPROFESSIONAL & CLAIM SHE WAS GOING TO EMAIL ME THE DEBT!!! THIS IS EFFECTING MY LIVELIHOOD & HARM TO MY CREDIT PROFILE!!! ASKED IF THERE WAS A SETTLEMENT OFFER DUE TO PANDEMIC & WAS TOLD BECAUSE OF ORIGINAL DEBTOR ISNT OFFERED BUT AGAIN THERE IS NO PROOF THIS IS MY DEBT!! THIS CREDIT AGENCY REPORT INACCURATE INFORMATION ALL THE TIME AND SEVERAL INVESTIGATIONS AND FINDINGS FOR INACCURATE INFO BEING REPORTED
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The XXXX XXXX, my property management company, sent my account to collections for a previous unit i lived in and I pretty much lost access to even see the adjustments after an XX/XX/XXXX move in on XX/XX/XXXX. In XXXX my property manager told me she'd get it to me the next day. Unfortunately I didn't receive anymore correspondance until I received a collections notice on XX/XX/2021, but didn't even get a ledger until XX/XX/XXXX. My fiancee received a collections notice XX/XX/XXXX.
Company Response:
State: NE
Zip: 68137
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On the date of XX/XX/2021 I questioned the Balance : {$1800.00} of obligation that you are endeavoring to gather from me for alleged account # XXXX. Also, I mentioned confirmation of the supposed obligation according to my privileges under the FDCPA. Concerning my confirmation demand under the FDCPA, I mentioned a duplicate of a marked agreement too assuming any security store was held to balance the equilibrium, evidence of mailing of any assertion of charges itemizing the justification behind keeping store assets, and verification of the letter mailing date. Any agreement or understanding sent should be with the first bank and marked by all gatherings to it You have neglected to acquire and send confirmation of the supposed obligation by not mailing me an agreement. Rather than sending me a consented to agreement or arrangement as mentioned, you sent didn't give any reaction Consequently you don't have an agreement with me and I don't approve this obligation. There are additionally state laws that expect you to send me a report by affirmed mail which and should involve the subtleties of the leftover store sum. Moreover, I mentioned that you cut it out all assortment movement, counting credit announcing. That is, I mentioned that you erase all announcing made to any purchaser revealing organizations. You have neglected to address my quite certain legitimate demands and are in clear infringement of the FDCPA. Under the FDCPA, it is unjustifiable or inappropriate to endeavor to gather a supposed obligation in any sum that isn't explicitly approved by an arrangement making the obligation or allowed by law. Because of the previous, you have caused me extra pressure, disappointment, credit harm, and expenses. You have likewise deferred your chance to agreeably resolve this issue without the need to prosecute. I expect to advance this make a difference to a lawyer or start case against you under the FDCPA. Until you are officially served process, you might resolve my FDCPA guarantees by doing the accompanying : ( 1 ) stop this instant assortment, ( 2 ) erase all of your credit detailing, and ( 3 ) delicate {$1000.00} U.S. The {$1000.00} U.S. should be made payable to the request for XXXX XXXX and got inside 14 days.
Company Response:
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NATIONAL CREDIT SYSTEMS & BAL. {$1900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my credit report on XX/XX/XXXX & seen these accounts that was either charged off or in collection under my name. I contacted the 7 company an informed them this was a fraud account & asked the companies to provide me with documentation of the original contracts with dates & both parties ( my Signature & the Companies ) signature on the documentation. I also have tried disputing it thru the credit bureau, but the companies have not provided me with these contracts/documentations, but instead continues to report these accounts to credit bureau XXXX The following 7 Companies I am writing these formal complaints on : 1st Company Compliant Company : XXXX XXXX XXXX XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balanced Reported on Credit Report : {$3600.00} Date Reported on Credit Report of Charge Off Date : XX/XX/XXXX Contact Information on Credit Report : XXXX XXXX XXXX, XXXX XXXX Tx XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 2nd Company Complaint Company : XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$4900.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX, WA XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 3rd Company Compliant Company : National Credit System/ XXXX XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$2400.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 4th Company Complaint This Account is reported on my Credit Report Twice Company XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX & XX/XX/XXXX Balance Reported on Credit Report : {$1100.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX XXXX Company Complaint Company XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$920.00} Contact Information on Credit Report : No Address Given on Report Contact Number on Credit Report : XXXX ( XXXX ) XXXX XXXX XXXX Company Compliant This Account Reported on my Credit Report Twice Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit ReportXXXX Balance Reported on Credit Report : {$130.00}, {$140.00}, {$180.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX, SC XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Number on Credit Report : XXXX ( XXXX ) XXXX & XXXX ( XXXX ) XXXX 7th Company Complaint Company : XXXX XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$150.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2021 NATIONAL CREDIT SYST was removed my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021, I called to dispute a debt from my old landlord asking for money to pay for move out fees. I disputed this debt with National Credit Systems Inc, and awaited a reply from them on it. I never received a reply. On XX/XX/2021, I called them to see what was going on and they said my old landlord responded on XX/XX/2021, that I owed 100 % of the debt in question. To my understanding, this is days past the 30 day deadline the company has to investigate a debt and report the findings to me. I believe my rights have been violated through a lack of communication about this debt and the investigative process, as I both never received a notice that the investigation was complete and it was completed past the deadline.
Company Response:
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A