Date Received: 2021-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company keep collecting on a debt that dont belong to me. I filed identity theft report as well. I called this company multiple times requesting signed documents that this debt belong to me. Each time they said they where putting it in the mail and I never received it. I am requesting a signed copy with my signature that I owe this debt please
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: National Credit Systems : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX has been sending me Collection Notices in the Amount of {$1800.00}. The collection has been reported as a past due balance. I do not know this company .I have not ever did business with National Credit Systems . This company could not and does not have a contract with my legal signature.
Company Response:
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/2019 National Credit System added a derogatory mark on my credit per XXXX XXXX. Upon further research, this account was transferred and sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was no written form of communicatio, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it belongs to me. According to FCRA National Credit System has violated my rights as a consumer and Im requesting legal action to remove the account immediately.
Company Response:
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have repeatedly been contacted and verbally harassed by impact receivables in regards to an account that my husband paid off. The collection agency XXXX XXXX was paid by my husband and a new collection agency has repeatedly contacted me after I filed a dispute with XXXX XXXX and told the collection agency that this debt was paid. The representative that talked to me in a disparaging manner was named XXXX XXXX. We sent information to her place of employment National Credit Systems that XXXX XXXX was paid the debt that was owed to XXXX XXXX. I would like for Ms. XXXX to be reprimanded for her grotesque behavior when handling this case for me.
Company Response:
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: After reviewing my credit profile XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer. Partial verification was received however the documents were incomplete AS EXPENSES ARE NOT SPECIFIC AND ONLY DOCUMENTED AS CLEANING FEES. LATE CHARGES ARE NOT ACCURATE ACCORDING TO LEASE AGREEMENT AND DEPOSIT IS NOT INCLUDED IN THE ITEMIZATION THAT WAS PROVIDED and are contradictory to what is on the lease agreement. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation to include all items that were missing. As of XX/XX/XXXX I still have not received the complete requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account 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: 78216
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do not have a contract with National Credit Systems Inc for any services rendered. These clowns are adding things to my credit report that I would like removed immediately.
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do not have a contract with National Credit Systems Inc for any services rendered. These clowns are adding things to my credit report that I would like removed immediately.
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Reaching out regarding XXXX XXXX XXXX in 2017. My mom applied with my dad as him the applicant and her the co applicant. They approve it with my dad living out of state with his income. When came to writing up the lease agreement I had to undergo a background check and that I was adult i had to be a tenant cause the minors are occupants. They told my mom her and my dad were responsible. She was under that impression because that what she was told. I had no way to afford living there inwas not working. So we were misled with wrong information impacted my credit records only not my parents. I have the orginal lease due to the situation and unprofessional it was handled is preventing me to get my on place as it only showing on my record as landlord debt. My mom says it was just supposed to be her and my dad responsibility. I'm looking to get this debt remove from my credit records as it not mine and belongs to my parents cause that what my mom was told before having a lease agreement attach to the application. Was told I had to sign cause I will be residing there at that time. Because I was o her the age of XXXX I had to undergo a background for any criminal charges and for me to reside and being over XXXX that occupants are for minors. Since then I research that it was lie I could have been occupant.
Company Response:
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: National credit systems has repeatedly called me in attempt to collect a debt that was paid in full by my husband. I have been harassed and talked to in a disparaging manner and would like this company to stop reporting this to the bureaus as this account has been paid in full.
Company Response:
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I have a debt filed by National Credit Systems for XXXX reported XX/XX/2020. In regards to technicality, a formal letter was never received notifying me of the inaccurate collections before it was put on my report by the agency.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A