Date Received: 2021-07-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted this company several times to validate this debt and they have not sent me any documentation ( original contract with full social security number, date of birth, and original signature ) to verify that the debt is in fact mine. I sent the very correspondence to them via certified letter on XX/XX/2021. I sent an updated letter 30 days later to request deletion of the debt due to no response. Then I filed a complaint with the CFPB. They responded to the complaint by saying they are still working on it. It has been over 30 days so the only thing they need to work on is deleting this debt from my credit profile with all credit bureaus. As of today, I have filed a complaint with the FTC regarding the debt collection practices of this company.
Company Response:
State: TX
Zip: 75701
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: Information belongs to someone else
Consumer Complaint: THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOT ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRA. On XX/XX/2021, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Said company has violated my consumer rights Under 15. U.S 1692e- False or misleading representations Adebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communicationis from an attorney. Attached letter was sent on behalf of National Credit Systems, which is a violation under law
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Good Afternoon, NATIONAL CREDIT SYSTEMS Date opened : XX/XX/2017 Person who is Associated is : XXXX XXXX Asking for amount : {$31000.00} for Original creditor XXXX XXXXXXXX XXXX XXXX Detail : I was not aware of this until recently and XXXX told me about it when I was doing my credit check and I have no idea this happened before and my identification was used and I did not authorize this. I have disputed with expedience few time and they advised me to file FTD and send them the information.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/21 I sent a debt validation letter to National Credit Systems certified mail. They had 30 days to respond and I never received anything. They couldn't validate the debt so I demand that this account is deleted of all credit reports. Pursuant to 15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection XXXX a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. I was in a consumer credit transaction and I am the original creditor. As the original creditor I do not validate this debt.
Company Response:
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The following companies are not licensed to collect debts in the state of Texas and/or past the statue of limitations to collect monies not owed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX National Credit Systems , Inc . XXXX XXXX XXXX, XXXX are still trying to collect this debt which I do not owe since 2016. It has been taken off my credit report several times but this company keep falsely reporting a new open account date.
Company Response:
State: TX
Zip: 77081
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Company Response:
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I co-signed a lease for my son for the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. He was evicted and I was later called repeatedly and notified in a letter from National Credit Systems , Inc XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX that a balance of {$11000.00} was owed. The XXXX XXXX never notified me of any owed rent. I also checked their website and it never showed anything about rent being past due. I mailed National Credit Systems, Inc a letter asking to please itemize specifically what is owed. I have yet to receive a response.
Company Response:
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX National Credit Systems , Inc . P.O. XXXX XXXX XXXX, GA XXXX XXXX XXXX. Certified Mail/Return Receipt # XXXX XXXX Alleged Original Creditor : XXXX XXXX Alleged Original Creditor Account number : XXXX XXXX XXXX Name : National Credit Systems , Inc . Debt collectors account number XXXX Alleged Debt Amount or Balance : {$4200.00} Current Creditor : National Credit Systems , Inc . Dear National Credit Systems , Inc . I recently received communication from you to collect the above-listed alleged debt. Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
Company Response:
State: TX
Zip: 78228
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a debt verification letter to the company to verify this debt. I have not heard back from the company verifying the debt. I do not think this is accurate and is being falsely reported.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A