Date Received: 2021-07-22
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: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested on numerous occasions to see a detailed, itemized bill for why I owe this debt, but the company has not provided this information. They also have sent me several low settlement offers but when I call, they tell me the settlement has expired and I have to pay the full amount. They refuse to allow a settlement despite what they send me in the mail, nor will they provide details on what this debt is for. Not only do I want an itemized bill, I also want proof that the itemized bill is accurate.
Company Response:
State: NC
Zip: 28403
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter from a debt collector regarding a debt that is not mine. I am a victim of identity theft. The debt collector is National Credit Systems , INC and the original creditor is XXXX XXXXXXXX XXXX / XXXX. I have never lived at, applied or done any business with this apartment complex. I have lived at my address for years, I still live there and have no intention of moving. This debt is not mine.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I was living at XXXX XXXX XXXX in XXXX. I lived at the apartment complex for two years. The department manager filed an illegal claim against me due to racism, and for a compliant I filed a complaint with HUD against the maintenance man. Later XXXX XXXX file an illegal claim for rent and possession. I did not owe rent. I was not late, and the apartment manager told me that she was going to file this claim against me, and would not post my rental payment to my account. XXXX XXXX lawyer file an illegal claim for rent and possession. The court granted XXXX XXXX possession, but they got a XXXX money judgment. I was not served properly, and XXXX XXXX submitted a false affidavit that I waived my rights during the pandemic. I was checking my credit scores when I found that they use a company NATIONAL CREDIT SYSTEMS and put this on XXXX XXXX credit report. My credit scores went down XXXX points.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Company Response:
State: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Received a phone call from person named Mr. XXXX from National Credit System, who said that I own almost {$1000.00} amount to an apartment I was renting before leaving in XX/XX/XXXX to join the XXXX XXXX. The individual have said that my security deposit ( {$500.00} ) and my pet deposit ( {$400.00} ) didnt cover the amount to fix the apartment even though I called the leasing office and asked them about it and about the water bill if it could cover it and she said yes, it will cover. Anyway, I kind believed the person at first and said yes I will pay it once I get paid, but what caught my attention was he insisted in providing my debt card number, which I responded I dont have any money right now and I will pay half of the amount by Friday, but he got frustrated and said that if I dont provide my debt card number right now, my debt will be unprotected status. Can someone please explain what does that even mean? I asked him to send me an email plus documentation that proves that I own money to XXXX XXXX XXXX in XXXX Florida and I want to pay it online but he said yeah, yeah sure I will send it ( he asked for my email in the beginning of the phone call ) and repeated that my debt will be unprotected status. Last thing, the person said he is from the National credit system therefore I am assuming he works for them. So, the company name is National Credit system and this is their website : https : //XXXX Also, attempted to contact the alleged company and their phone doesnt work and sounds weird. Therefore, I dont own no one my hard earned money.
Company Response:
State: MO
Zip: 654XX
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There has been no consent for this collection agency to furnish derogatory information on my consumer report. They had no right To buy and use my consumer report information from another debt collector and they have not validated the alleged debt with the original document showing the original creditors contract. Below are Federal Codes in which have been violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: National Credit Systems has been contacted multiple times by the credit reporting agencies asking for them to validate the account they are attempting to collect on that is in my name. I am a Texas resident and have never lived outside the state of Texas. This debt is for an apartment complex in Missouri. I also have reported identity theft to all the credit bureaus and have had an extended alert on my credit since 2007. I have disputed this debt multiple times and NCS has yet to provide validating information.
Company Response:
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: OH
Zip: 43209
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A