Date Received: 2021-08-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021 a letter was sent to XXXX asking them to verify the account National Credit systems XXXX XXXX XXXX. On the same date I also requested for the investigation done to determine the account is mines be sent to me as well in which the Creditor has not done so still to this day. XXXX is the only credit reporting agency who continues to report this creditor although they have violated my rights covered under FCRA laws. With each dispute I have sent they keep changing information that theyre reporting. XXXX has a copy of my Identity theft report, my police report for identity theft, and my complaint with the office of the Attorney General as well, yet they are still reporting inaccurate information.
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Only XX/XX/XXXX, we recieved a phone call from National Credit Systems stating we owed them {$160.00} based on a collected from our previous landlord. Because we didn't believe we truly owed them money, we asked them to send a verification/proof of this debt to my husbands email. That email never came. A week later, we recieved another call, and again we told them we would not pay until there was proof. This time, I took it upon myself to send a " proof of debt verification '' to their P.O. box. That was on XX/XX/XXXX. They have up to 30 days to reply to this proof of debt letter. After sending that, we continued to recieve harrasing calls from them. Finally, the 30 days had gone by and we continued to recieve phone calls from them so I send an email stating that the 30 days to prove we owed them {$160.00} had passed, and they no longer had any legal grounds to continue calling us. I also sent that via an email. I did not receive a reply to that email. We continued/continue to recieve phone calls from them with no proof that we owe anybody any money.
Company Response:
State: WI
Zip: 53711
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: National Credit Systems and XXXX XXXX XXXX It is against the law in Arizona to not do a final walk through with a tenant. Remove this false non legitimate information from my credit report. Both companies are committing a crime by taking action and it needs to be resolved. I have not been worked with by NCS they have NCS REP XXXX ONLY acknowledged the fact that what I am saying is true. XXXX XXXX XXXX failed to follow the law and preform the final walk through. XXXX at XXXX XXXX says NCS has the authorization to remove this not XXXX XXXX. However, NCS states it is ONLY up to XXXX XXXX XXXX to approve the removal of the false and defamatory information being reported. This is non legitimate debt not supported by Arizona state law because no walk through was done by the XXXX XXXX XXXX representative XXXX as scheduled for XXXX on XX/XX/XXXX he no showed. I waited until after XXXX. Please resolve this!
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a notification on XX/XX/XXXX stating that a collection account from an apartment I resided in was being placed on my credit reports ( XXXX, XXXX and XXXX ). I was never contacted about this debt when I moved out in XXXX of XXXX. I contacted the company on XX/XX/XXXX for a debt validation and waiting the allotted time of 30 days and did not receive anything from this company to my address in this time frame. I contacted them again on XX/XX/XXXX for a second time, still had not receive anything. I called the original company that issued the debt to be placed on my report, they do not have any record of this debt and can not verify with me where this debt came from.
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent a validation letter with National Credit System that was sent on XX/XX/21, after a month I received a letter from another collection agency name XXXX XXXX XXXX XXXX XXXX dated XX/XX/21 collecting the debt of {$1800.00}. They did not even provide a valid proof that the account is mine. Not even with my signature. I have then send couple more letters trying to get the proper documents that I've asked for. But National Credit System never responded to me. please help me with this matter.
Company Response:
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent a validation letter with National Credit System that was sent on XX/XX/21, after a month I received a letter from another collection agency name XXXX XXXX XXXX XXXX XXXX dated XX/XX/21 collecting the debt of {$1800.00}. They did not even provide a valid proof that the account is mine. Not even with my signature. I have then send couple more letters trying to get the proper documents that I've asked for. But National Credit System never responded to me. please help me with this matter.
Company Response:
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, National credit system added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA National Credit System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I've repeatedly tried to dispute and resolve this issue with National Credit Systems as well as the credit bureaus. They are in violation of FCRA 15 usc 1681, furnishing and reporting inaccurate information on my reports. They're also misstating the balances. The documents that National Credit Systems sent me to attempt to verify the alleged debt owed from the original creditor is {$1600.00}, however NCS is furnishing a new balance of {$1600.00} showing 1 % of the debt was recently paid on all my credit reports. Again I have no account or business with this company or gave my permission or written consent to allow them to report anything. They have been in default with providing me ALL requested documents or documents producing my wet signature of agreeing to allow them to collect. They refused to provide agreement between the legal stand on this collection in SC with the original creditor. There has been no payment made at all that supports the false information and different balances. The credit bureaus as well as National Credit Systems are not upholding the law but instead are using deceptive measures to collect and furnish obsolete inaccurate information. Under the law this account should have been removed and not allowed to continue to be a defamation of my character. This should be removed immediately from all my reports. Failure to do so will force me to sue and take legal civil actions against all parties.
Company Response:
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my credit and saw a debt from NATIONAL CREDIT SYSTEM with the Original creditor being XXXX XXXX XXXX XXXX for {$6300.00}. I have never had a lease at this apartment community. My daughter resided at this address but I was never there nor was I added to the lease.
Company Response:
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A