Date Received: 2021-03-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am deciding to reach out to CFPB because I have made my payments owed to National Credit Systems in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to XXXX XXXX XXXX for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against National Credit Systems, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from my credit report.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i'm filing this complaint to see if I could get some help to get this matter resolved I have contacted the debtor as well who they claim that they got the debt from however both companies stating they do not have the debt and can not talk to me about it and still reporting on my credit report i have tried several times this does not belong to me I would like to see if I can get some help to have this removed from my credit report thank you the last complaint i file i was told i needed to file a affidavit which i don't understand because im asking for a copy of the debt stating it belong to me but that have yet to provide to me and they also told me inform the credit bureaus that my information have had some fraud activate in which i did back in 2019 also i hade file a police report i have enclose a copy of my police report and a copy of my credit report
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2021 I attempted to collected information on XXXX accounts with " National credit system Inc " that posted on my XXXX XXXX. I called in at XXXX cst and Spoke with an agent " XXXX XXXX XXXX who I requested a Debt validation letter to be sent to me he refused and began to get agressive and irate and yell and tell me that I will not get a letter unless the debt was paid. I then informed him that tha was illegal and that I have the right to request for a letter as stated in the FCRA he continued to yell and cut me off and not let me speak then hung up on me. I have reported him to his supervisor by leaving a voicemail at XXXX cst as well as requesting for a follow up. This behavior from the XXXX XXXX who represents the company makes it difficult for me to get my credit score corrected and has affected me in more ways physically and emotionally and nobody should suffer or have to deal with difficulties when trying to correct or solve their credit debt.
Company Response:
State: MN
Zip: 55904
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NATLCRSYS is claiming that I owe them {$610.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
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. Its been well over 30 days and I haven't received any investigation results.
Company Response:
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been receiving debt collection notices through email for a debt I have no knowledge of. They said I owe for a balance left when I moved off of apartment and I have never lived there. I have asked for proof of lease and copy of identification but to no avail.
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: National Credit Systems and XXXX XXXX XXXX are reporting a balance of {$1900.00} on my credit report for collections. This account does not belong to me. It belongs to a family member with a similar name as mine. I called both the collection agency and the apartment complex and they both agreed it was not my debt but refused to remove it from my credit report. I dont even know how they got my social XXXX number as I was told I was added as an emergency contact on the application. I disputed this debt as it does not belong to me and they are refusing to remove it. The credit collection agency also gave me a lot of private information on this account that I would think is against the privacy rules for the account holder as well. I am reaching out to ask for assistance in having this debt removed from my report as it is inaccurate and it is ruining my credit as well.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Reached to NATIONAL CREDIT SYSTEMS ( certified mail ) to request debt validation. I was sent an generic incomplete document. I responded back and asked for documents and contracts because the information sent was insufficient. They then sent me the SAME letter as 'proof. ' I sent another follow letter asking for the same criteria but they never responded. They never completed my debt validation request. They actually ignored my letter. NATIONAL CREDIT SYSTEMS violated my consumer rights and never validated the debt
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
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 XXXX ( Original Creditor : 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: 38116
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A