Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I originally disputed this complaint but it was marked as a duplicate- THIS IS NOT A DUPLICATE - This is one of several accounts that this company is financially harming me on my account. National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX , XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 1. Date Opened is listed different on multiple credit bureaus. 2. This account XXXX Has FCRA Violation. 3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 3 different dates on each credit bureau. - Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX, XXXX, and XXXX correct and remove this inaccurate info from my credit report.
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation under the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. I WANT TO EDUCATE THE COMPANY THAT A CONTRACT OR ITEMIZED BILL/ STATEMENTS IS NOT A METHOD OF VERIFICATION AND PURSUANT TO 15 USC 1692G I AM THE ORIGINAL CREDITOR SO ONLY I CAN VALIDATE THIS ALLEGED DEBT AND I DONT VALIDATE THIS ALLEGED DEBT SO I NEED THIS ALLEGED DEBT REMOVED FROM MY CREDIT REPORT IMMEDIATELY OR I CAN SEEK MONETARY RELIEF FAILURE TO PAY WILL RESULT IN US JUST SETTLING THIS OUT IN COURT I HAVE THE LAW ON MY SIDE
Company Response:
State: AL
Zip: 36117
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Was not my lease
Company Response:
State: TX
Zip: 77080
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: National credit system says I owe the XXXX on my credit report. There website doesn't fine me. I email and call them with no answer. About my debt. I show proof that doesn't find me. They have not gotten back to me in a timely fashion
Company Response:
State: TX
Zip: 78757
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Company Response:
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
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: National Credit System is inaccurately reporting on my XXXX Account
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021 NATIONAL CREDIT SYSTEMS responded to my complaint and this is my rebuttal and I am filing another complaint in regards to their debt collection practices. I have repeatedly requested the five required pieces of information pursuant to 15 USC 1692g of the Fair Debt Collection Practices Act, and this debt collector has repeatedly denied me of this right. They have not sent me any documentation to properly validate this alleged account, instead they have sent an invoice that states the funds are to be paid to my husband. When we initially received this information it was very misleading because he thought he should be expecting a check and not that we owed anything. Also, after speaking to a supervisor at National Credit Systems she advised that they had sent multiple documents through the mails advising that we owe a debt and the information needed to pay or settle this alleged debt, which violates 15 USC 1692f ( 7 ). She also advised that they sent three letters to the address of the apartment complex of which they are collecting on the behalf of, which proves they did not do their due diligence regarding this alleged account and has reported fraudulent, invalidated information to my husband 's and my own credit reports. As a result this has harmed our reputation and violated our rights as consumers to privacy.
Company Response:
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Debt Collection Agency : National Credit Systems XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Tx Creditors additional Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Inaccurate Amount Reported Claiming I Owe {$31000.00} I have written numerous letters requesting the mentioned debt removed and deleted from all reporting agencies, however, National Credit Systems XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Tx continue to refuse to remove it. I have previously attempted to obtain information, validate and dispute the mentioned alleged debt on several occasions, however, National Credit Systems disregarded many of my requests by sending only partial information. I did not receive the extended email chain referencing the many complaints which were never resolved including but not limited to excessive noise and other significant documentation. National Credit Systems is reporting to the credit bureaus, however, they still have not validated the alleged debt in direct violation of VALIDATION made pursuant to 15 USC 1 692g Sec. 809 ( b ) of the FDCPA ( see Exhibit A ). The email communication with XXXX XXXX ( Landlord ) clearly illustrates the repeated refusal to abide by the Texas Property Code by placing barriers, conditions and restrictions on the me which is breaking the law. XXXX XXXX, The Property Owners and their affiliates are in direct violation of Section 92.016 of the Texas Property Code for its repeated refusal to allow the tenant ( me ) to break the lease by placing barriers, conditions, and restrictions on me and my occupant minor child ( the victim ) are breaking the law and are subject to a civil penalty of one months rent plus {$500.00}, damages, and they must pay the victims attorneys fees. Additionally, I was fraudulently induced into signing the lease by Landlords agent representing the property is a quiet and safe environment for my child to live in. On countless occasions my child was exposed to foul language, smell of XXXX, loud neighbors, cut his foot on broken beer bottle glass at the pool after a management sponsored a large party and my car was broken into. The documented and reported crime at the property became an unsafe place for my child and I to live. Much of this is referenced in the email communication sent to National Credit Systems and XXXX XXXX. If needed, many of the Parties involved including but not limited to an onsite XXXX Police Officer, Security Guards, Concierges, Tenants, Maintenance, Employees, Management, Owners and their affiliates would confirm all of this information. On XX/XX/XXXX, a XXXX County Judge issued an order containing an injunction to protect my child. Section XXXX of the Texas Property Code gives victims of XXXX XXXX the right to vacate the dwelling and avoid liability for future rent and any other sums due under the lease for terminating the lease and vacating the dwelling before the end of the lease term without notice. Landlords who do not allow the tenant to break the lease or who attempt to place barriers, conditions, or restrictions on the victim are breaking the law and are subject to a civil penalty of one months rent plus {$500.00}, damages, and they must pay the victims attorneys fees. The Landlord was well aware of the situation and the email communication with Landlord clearly illustrates the repeated refusal to abide by the Texas Property Code by placing barriers, conditions, and restrictions on the me which is breaking the law. A tenant who terminates a lease under Subsection XXXX is released from all liability for any delinquent, unpaid rent owed to the landlord by the tenant on the effective date of the lease termination if the lease does not contain language substantially equivalent to the following : " Tenants may have special statutory rights to terminate the lease early in certain situations involving family XXXX or a military XXXX or XXXX. '' For further clarification, the following paragraph was cut and pasted from the Texas Attorney Generals website : If you or an occupant of the property are the victim of family XXXX ( meaning, for example, harmful acts including XXXX, XXXX XXXX, and XXXX by a member of the family or household against someone else in the family or household ), you may terminate your lease. and leave the property without further obligation for future rent or termination fees. To exercise this right, you must have a protective order or temporary injunction, signed by a judge, against the occupant or co-tenant of your residence. Once you have delivered a copy of the protective order or temporary injunction to your landlord and you have vacated the unit, you have, by law, terminated your lease and avoided liability for future rent and other sums due under the lease for termination of the lease. If your lease does not contain language informing you of your rights to terminate the lease in situations involving family XXXX or military XXXX, you will be released from liability for past unpaid rent. If the lease does contain such language, you will still be responsible for rent owed to the landlord before you terminated the lease. If a landlord does not let you terminate the lease under these conditions, she or he may be liable to you for one months rent, plus {$500.00} and attorneys fees. Right To Quiet Enjoyment While living at XXXX XXXX, I had made over twenty complaints regarding the tenant living above me making excessively loud stomping and banging noises throughout the day and knight. Many of the complaints were documented via email with the Landlord resulting in no resolution. Many staff members visited my unit and were speechless of how loud the noise was as it literally shook my entire unit. According to the Texas attorney General, tenants have the right to quiet enjoyment. After many months of verbal and written communication to staff and management, Landlord failed to resolve the matter. I have sent letters which included the following language : I am hereby exercising my rights under the state and Fair Debt Credit Reporting Act. I hereby request that you immediately remove the mentioned account from my credit report, any previous inquiries, statements, updates etc. from all credit reporting bureaus including any other agencies including but not limited rental reporting agencies immediately. However, the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Tx continue to refuse to remove it.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been trying to remove this account from my report. I have tried to do factual disputing but I never hear back. I tried doing so in XXXX and XXXX and XXXX. This is only listed on XXXX or XXXX not on XXXX.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A