Date Received: 2021-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I audited my credit reports, saw that this company, National Credit Systems reporting an alleged debt on my reports. Never have I received a dunning letter from this company, and never have I done any business with them. I sent them a certified letter on XX/XX/XXXX demanding that they validate this alleged debt. As of XX/XX/XXXX, I still have not received anything from them. Furthermore, I am not liable for this debt with The XXXXXXXX XXXX XXXX XXXX XXXX. To add insult to injury, I do not have any contract with this company, National Credit Systems, and they failed to provide me with the legal document that I demanded that they send me. Account number : XXXX XXXX : {$420.00} Date opened : XX/XX/XXXX I demand that this company delete this account from my credit reports immediately.
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2021-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I was sent a letter from the Law Office of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The letter was addressed to a " XXXX XXXX ''. That is not me, not my name, nor has it ever been and I do not know the person whom they are trying to contact. It stated that I owed a debt of {$2700.00} for an apartment leased in XXXX. I have never lived in XXXX and I own a home in XXXX. I ignored the letter since it was for a different person. Then, several days later, on XX/XX/XXXX, I received an email from XXXX that my credit score dropped. I went online and saw the debt collection company " National Credit Systems Inc '' had filed a debt collection against me. I am not the person who owes that debt. Both the Law firm of XXXX XXXX XXXX and the company " National Credit Systems '' have wrongfully filed a claim against me and have affected my credit score. They have a responsibility to research information prior and to be certain that any negative actions on their part, do not harm innocent individuals. This has caused a lot of distress and I have had to spend most of my day today to rectify this. I have had to file reports online, dispute charges, and have also had to call my local police department in XXXX County XXXX to file a complaint with them. I want the companies responsible for this error to correct it immediately. They need to remove the false debt collection claim and cease any further contact with me and no further actions taken against me.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I reached out to National Credit Systems on XX/XX/2021, and requested that they remove the account on my consumer report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove this account. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that NCS was in violation of a United States Code and was told that I needed to contact the original creditor to request removal. NCS is in violation of the following United States Codes ( as well as others ) : Title 15 USC 1681b - Permissible purpose of consumer reports Title 15 USC 1692b Acquisition of Location Information
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: National credit systems is reporting an account that does not belong to me to credit bureaus. I never opened any account XX/XX/XXXX and although I have disputed the entry it remains on my credit report past due as of XX/XX/XXXX. I never opened an account with the original creditor shown on the credit file either. It appears fraudulent, discriminatory and deceptive practices are being used by this agency. I have not received my credit file from XXXX. I have attached a copy of the entry from my XXXX report received today. The fraudulent entry appears on my XXXX report with varying information.
Company Response:
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Court ordered documents attached - demanding company remove from all 3 credit bureaus immediately. Misrepresentation on my credit profile and threatening phone calls have caused mental and financial damages
Company Response:
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt is not mine and I have no idea why they are reporting on my credit report.
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Starting about XXXX of last year ( maybe earlier ) I started disputing National Credit Systems for said amount of XXXX. I did not validate this debt, nor has verification, or evidence of prior contact or proof which links me to the owed amount, has been provided to me. No evidence was sent back to me in regards to this account. This company never informed me that a debt was owed back in 2015, whether by phone or mailing, which erases the debt all together from my profile. Not to mention, this company has blatantly caused harm to myself and my financial situation. On XXXX occasions, this company has removed the account from my profile, only to have placed it back on, moments later. I have questioned not only their acts and clear violations of 15 U.S.C, but also their inaccurate reporting of their name on my profile, along with other inconsistencies. All in all, this company violated a few laws and never contacted me to validate that not only a debt was owed, but also prove that the debt was mine. No evidence has been provided from this company. Please delete, immediately!
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: National credit systems-XXXX XXXX. account XXXX This is stolen identity. I have filled all of the necessary paperwork including a police report and reported it to the federal trade commission as well. The amount was for XXXX. This is not my debt. I have never even lived in Texas.
Company Response:
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is regarding account # XXXX, which you claim I owe {$940.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I sent a letter responding to an item on my credit report that should not be there. I have no recollection of the amount this company says I owe to them. It seems to be an apartment building, but I have never lived here nor know anyone that has lived here. I submitted a dispute letter on XX/XX/2021 and they responded back telling me that I can settle the amount. I am not paying any amount because this is being reported inaccurately. There is no proof that I am obligated to this place. Please have them remove this from my credit report as it is impacting my ability to apply for a mortgage.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I was wrongfully evicted, I assumed the responsibility when my wages were garnished. For a little over a year I was garnished, the garnishment was paid in full. I have documents from my employer stating this. I called the National Credit System ( XXXX ) XXXX to inquire about the {$380.00} that is still on my credit. They could not tell me why I still have a balance even after my garnishment was paid in full. I have disputed this with XXXX, I submitted my documents of proof to them and they refuse to remove it from my credit. Please help me with this matter so I can move my children into a house.
Company Response:
State: AZ
Zip: 85716
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A