Date Received: 2021-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am and have been trying to get a copy of the contract that National Credit Systems says I have, I am requesting they mail me a copy of the contract I signed with them to determine the validity of this debt on my credit report. I have not received any documentation that bears my signature to date.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was to be a grantor for my daughter for Apartments called the XXXX in XXXX XXXX CA in XX/XX/XXXX. However, once they ran my credit I was denied due to me already having an unlawful detainer on my credit from XXXX. They told my daughter to find another grantor with stronger credit or pay higher deposit. I was no longer involved. A year later I she moves and I started to see this debt on my credit report. I believe they used my information after because they did have access to it to hold me accountable for my daughters bill and not mines. I have made several attempts to reach out to the XXXX to have resolved but they can not assist. They are under new management. So I recently reached out to National Credit Systems and have been in contact with a XXXX XXXX at XXXX. She instructed me to file a police report against my daughter because that would be the only way to have it removed. I told her no because she did not do anything that was the XXXX who used me after the fact. I have filed a police report against the XXXX and as of XX/XX/XXXX, sent them a copy of that police report and a copy of my credit report showing I had an unlawful detainer at the time the XXXX ran my credit proving that I was not qualified for the apartment.
Company Response:
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This has been disputed since day one. I know that they made false claims to try and receive money for an amount not owed. I have never received a bill or anything else showing why it is owed. I have asked many times to see original bill but never provide one. Ask many times to take to court but they will not because it is not a legit bill. XXXX has removed it but XXXX will not.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Filed 3 separate XXXX XXXX disputes in which nothing happen. The remarks that were left were dispute solved, customer disagrees and nothing happens. A few days after the disputes I get hit with derogatory remarks. I have mailed this company information in which I was trying to validate this debt and their response was they needed more of my information to validate, which to me seemed unprofessional and sketchy. The information that was given was that of an apartment contract that had multiple pages, at least 15 pages at the minimum. I only received 3 pages in which they are trying to make their claim and the pages that were sent, still dont show I owe nor did I sign in any contract to be charged once I moved out of the property. There also wasnt a charge for leaving it me leaving anything inside the apartment on the original contract ( lease ). Below you will see that the lease was fulfilled. I was being charged for items on a list that wasnt on the contract that I signed for in the lease.
Company Response:
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Company Response:
State: TX
Zip: 78210
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested that National Credit System validate an account for XXXX XXXX Apartments. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. However, a different collection company is sending me letters in the mail trying to collect on this same account. The other collection company is XXXX XXXX. So there are two companies trying to collect on the same debt. National Credit System is reporting the account on my credit report with a balance and has not validated the account to prove that they own the account or that I owe this debt.
Company Response:
State: AL
Zip: 35749
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: National Credit System is debt collection agency ; I received a call in XX/XX/XXXX from National Credit System stating I owed a debt. I immediately asked the representative on the phone call to verify my social security number, the representative said " no '' and hung up the phone. A few weeks to a month later I received an alert through my credit monitoring system that a company was searching for my social security number on the world wide web. I never heard anything else from National Credit system again until XXXX. They never called nor attempted to send correspondence in the mail regarding the debt they originally called me about in XXXX of XXXX. Two months later National credit system violated my consumer rights by placing a debt on my consumer profile without validation or Permissible purposes under 15 U.S code 1681b and no consent or validation is considered identity theft. I XXXX XXXX have sent letters requesting debt validation since XXXX, National Credit system failed to reply and proceeded to report to other credit bureaus agencies. Recently, I received the very first correspondence ever from National Credit system stating I the consumer has failed to validate the debt doesn't belong to me and attached misleading documents to the letter, stating I have a judgment against me and they represent the original creditor. The judgement doesn't equal the sum of the payment they're requesting and further more it was included in my bankruptcy file. National Credit system have violated so many of rights as a consumer, they are ruining my reputation by placing inaccurate information on my credit report and they need to be stop.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I contacted XXXX XXXX and XXXX and also the debt collector, National Credit Systems to communicate to them that what they have reported on my credit report is incorrect. I have also shared receipts and email communication between me and the original account holder to prove that this was incorrect and that they had not updated my account. I am under the impression now that XXXX XXXX nor XXXX are even reading the documents to support my case. I have also shared these documents with National Credit Systems. I am at a loss on what my next steps should be. I understand that I have a right to report inaccurate data on my credit report and National Credit Systems has the responsibility of updating this data. Thank you
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I learned about this debt after being denied at an apartment complex. It was ran by XXXX and I was denied because XXXX XXXX has turned over debt to national credit. I am not sure who owns this debt. The debt is inaccurate. XXXX XXXX owes me money and refused to provide proof of the costs. XXXX XXXX simply told me this would follow me. This debt through XXXX XXXX does not appear on the traditional credit bureaus. XXXX XXXX NEVER PRODUCED A INITIAL LETTER WITH MY RIGHT TO DISPUTE. I went through the XXXX ( See attached letter as this is what I want addressed here ) and all they gave was an unresponsive and generic response. They need to remove this and send me an initial letter giving me a chance to dispute. Ive sent them emails. They dont respond. Or return phone calls or messages. The XXXX time they called me was around almost XXXX in the morning which is a violation in its own self. I want the attached letter answered. I will not stop until thats done whether through this means or a regular lawsuit or a class action.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: We moved into XXXX XXXX XXXX, XXXX on XX/XX/XXXX. We have the lease and move-in items checklist proving what we moved in with per signed lease agreements. Upon moving out of the apartments on XX/XX/XXXX we received a bill of listed items that had to be done by their maintenance staff. The listed items were false and inaccurate, one of the items was washer and dryer removal. The charges were submitted to NATIONAL CREDIT SYSTEMS credit agency on XX/XX/XXXX. I have the original lease documents proving these were inaccurate charges as we moved into the apartment and out of the apartment with our own washer and dryer. On XX/XX/XXXX I tried to dispute via XXXX with the dispute being verified as accurate. I attempted to dispute this item again onXX/XX/XXXX with the dispute being marked as " completed investigation of FCRA dispute - consumer disagrees ''.
Company Response:
State: NC
Zip: 28403
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A