Date Received: 2021-05-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX XXXXNATIONAL CREDIT SYSTEMS # XXXX
Company Response:
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 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 inaccurate 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: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have sent numerous of dispute letters asking for validation, after I received calls saying I was going to be sued for a debt of I didnt pay. Syed every attempt my credit report has been updated but I have never received the validation.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX 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 dispite my several attempts to contact National Credit Systems and XXXXXXXX XXXX and XXXX correct and remove this inaccurate info from my credit report.
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: National Credit System Dates Ranges on My Report XX/XX/XXXX to XX/XX/XXXX Never received letters of debt Collection Accounts pops up XX/XX/XXXX requested debt validation with documents nothing received but yet the states verified with no response back to me or proof of verification which I have requested 2x with no luck and no other form of communication theyre giving
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: National Credit Systems INC at XXXX XXXX XXXX XXXX XXXX, GA XXXX, has reported an account on my credit report with a balance of {$1200.00}. I do not know this company. I DO NOT have a contract with them. They are not the original creditors. I have never done business with them and I do not owe them any debts. -NO CONTRACT
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
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 received a response to a former complaint on cfpb by National Credit Systems, that they will be removing an inaccurate collection account on my credit profile from each credit bureau on XX/XX/21. This inaccurate collection account remains on my XX/XX/XXXX credit report and National Credit Systems have been unresponsive to my request to delete this inaccuracy from my credit report immediately as its still currently showing on my profile and its negatively affecting my ability to obtain credit. They have NOT deleted the account as they promised to do so accordingly.
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I MOVED OUT OF THESE APARTMENTS IN XX/XX/XXXX. XXXX A STAFF MEMBER OF XXXX XXXX OFFERED TO COMPLETE WALK THROUGH AS XXXX XXXX HAD THE OFFICE CLOSED DURING BUSINESS HOURS AND WAS UNAVALIBLE XXXX INFORMED THAT EVERYTHING CHECKED OUT GOOD AND XXXX WILL MAIL DEPOSIT ALONG WITH COPY OF WALK THOUGH I PROVIDED KEYS TO THE UNIT. HE REQUESTED CONTACT INFORMATION FOR XXXX IF ANYQUESTIONS. I PROVIDED MY FORWARDING ADDRESS AND EMAIL AND CELL NUMBER AND MOTHER. I NEVER ONCE RECIEVED ANY COMMUNICATION/ CORRESPONDENCE OR DID ANY STAFF MEMBER OF XXXX XXXX XXXX ME IN REGUARDS TO ANY BALANCE DUE OR OWED NEVER RECIEVED MY DEPOSIT CALL NO ONE ANSWERED OFFICE WAS ALWAYS CLOSED WHEN I WENT BY. LEFT IT AT A LOSS. I SEEN ON MY CREDIT REPORT XXXX XXXX XXXX WAS REPORTING A BALANCE OF {$430.00} ON XX/XX/XXXX HOWEVER COM IN WHICH WAS NEVER DISCLOSED WITH ME I ASKED THEM FOR PROOF AND DOCUMENTATION THAT SOMETHING WAS SENT TO ME BECAUSE I DID LEAVE M CONTACT INFORMATION AND STILL HAVE NOT RECIEVED ANYTHING CALLED APARMENTS SPOKE WITH XXXX STATED COMPANY HAD BEEN BOUGHT OUT NO LONGER IN BUSINESS. I ASKED THEM AND HAVE DISPUTED THIS COLLECTION FOR MONTHS AND NO RESOLUTION.
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-17
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: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A