Date Received: 2021-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: National Credit Systems Inc has been reporting a erroneous information on my XXXX and XXXX credit profiles as a collection account. They are reporting this account as a joint account which it is not. I belongs solely to the primary on the account. They have also recently over the last coupled days updated the amount of the collections from {$1500.00} to {$1500.00}. Neither of these amounts reflect an accurate balance. I am demanding that all reporting attempts on this account cease and desist and be immediately deleted from my XXXX and XXXX credit profiles permanently.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: National Credit Systems , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX ) ( NCS ) is causing us intentional harassment, and financial harm due to invalid debt collection/ reporting to credit agencies. NCS is intentionally concealing the accurate description of this invalid debt, as they know it is not subject to collections in AL. I have reached out to NCS to dispute the validity of this debt, from our previous Landlord ( XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX ), in XXXX AL. NCS is attempting to collect {$490.00} from us for 'carpet damage ', however, 'carpet stains ' are not considered 'damage '. In Alabama Landlord / Tenant Law : 'stains on carpet ' are considered 'normal wear and tear ' in the legal sense, and not subject to collections. NCS must know this. ( There are additional details omitted from this complaint specific to the carpet / Landlord deficiencies not relevant to the collections company ( NCS ) ) NCS sent photos of the carpet stains, but did not call them stains, NCS listed the 'stains ' as 'damage '. I have included this NCS XX/XX/XXXX letter for reference. Also, in this letter specifically, the XX/XX/XXXX Security Deposit Statement letter included from XXXX, and the XXXX XXXX XXXX were never sent to us by US mail. Furthermore, I do not know the stains are even from our carpet. From the beginning, I have requested debt validation documents- like an actual bill, ( none was ever sent to us by XXXX ), and each letter I write to dispute the debt, NCS and XXXX collude to fabricate fake documents I have never received by US mail from XXXX. NCS will send these fake documents, and avoid to accurately describe the actual details of the charge as carpet stains, and instead mislabeling it as carpet 'damage'- which is subject to collections. National Credit Systems sent collection letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Now NCR has reported this invalid debt to the credit reporting agencies, and our credit scores have fallen. This is intentional harassment, and NCSXXXX XXXX XXXX is causing us financial harm due to this invalid debt, that I have requested re-evaluation, and additional documentation on. NCS knows this is not a valid debt, and is trying to conceal that fact, in order to harass and harm us for the predatory LandLord - XXXX XXXX is the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX, NY ), XXXX XXXX is the XXXX XXXX at XXXX at XXXX XXXX XXXX XXXXXXXX AL ). NCS needs to restore our credit rating, and retract this harmful, false, and derogatory information from the record. I hope you can help, and we look forward to a resolution soon.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I started a dispute with National Credit systems on XX/XX/2021 and I was told 30 business days for a decision and update to be made. The date for it to be due was XX/XX/2021 and I have not received any updates regarding the dispute or a confirmation of the results. I have contacted them and they have been reluctant to provide additional information. They attempted to collect money from me while the dispute is open and the collection representative stated information about having law experience when I told them they were not following the guidelines put in place to protect consumers. They are not filling dispute guideline or the Fair Credit Reporting Act. I have been patient during this process but, I am currently in the process of applying for housing and this agency in reporting incorrect information.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have National Credit Systems on my credit report for a debt ( {$6500.00} ) I have no knowledge of, they are collecting a debt they bought from a company I used to have dealings with but they never told me about this debt. I have asked XXXX XXXX to remove it from my report and they refuse, I have asked them to validate the debt and they refuse, there is no contract between them and the other company for them to collect on their behalf, I have also received threats from this company and harassing phone calls to not only me but one of my relatives. I sent a validation letter to them with a response of they didn't have to validate this debt and they state that there is a law suit against me but when I check with the courts they would've had to go through they state there is no suits or judgements against me.
Company Response:
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Company Response:
State: AL
Zip: 35401
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from the national credit systems XX/XX/2021 stating that I owe a debt with an apartment complex Ive never stayed at in my life. I reached out to national credit systems XX/XX/2021 regarding this debt of {$450.00} and try to settle it because its damaging my credit which is actually being charged twice on my credit report. I demanded proof and they responded that the proof is only for them to see and they cant provide me with documentation however they did send me over the itemized list from the original creditor and its insufficient as if charges were made up. I have never stayed there and I want it deleted from my report. And I am willing to pay for a delete or settle the account ( due to my current financial standings ) and have it deleted
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: National credit systems has a XXXX balance from a old apartment complex I was living at.. due to coronavirus my job was affected and I lost my job .. fell behind in my rent and when I did find a agency to help pay the back rent XXXX XXXX did not accept it instead they terminated my lease..
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I just receive a notification of collection on my name which Im not aware of, I own a house which I live in it for about 4 years now, and I have never made any deal or contract with this apartments I would love for them to show me copies of prove of my social, driver license and my signature on their papers which those things are required to get someone in collection because I know they shouldnt have because I wasnt the one that do this any recordings about me entering to their office to do this I would like them to provide just as the same way they stating this is my account I want prove of that
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Good Morning, This debt has been settled and paid multiple times. However XXXX XXXX XXXX XXXX continues this fraudulent behavior. I have tried contacting them, along with XXXX. These were all settled in XXXX or 2015. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go homeless because of greed.
Company Response:
State: OR
Zip: 978XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A