Date Received: 2023-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: When i moved out of apartment, i paid the final bill and have an email proff from apartment showing it is paid and XXXX balance. But they mistakely sent it for collection as well. Now the apartment company points finger to debt collector saying I have already paid and should not be any debt. Debt collector won't remove negative impact on my credit and says i need to pay the amount period. Also won't stop calling me to collect the money. I can provide email proof where needed.
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NATIONAL CREDIT SYSTEMS clearly did not validate this debt because they referred to me as XXXX XXXXXXXX in their response to my most recent communication. This proves they did not Re investigate this account in order to validate this debt. NATIONAL CREDIT SYSTEMS needs to provide proof that I am a XXXX or delete this account from my consumer report immediately. I have proof in the attached screen shot that they have been reporting the debt of a XXXX which is inaccurate reporting after they claimed this debt had been verified by the original creditor. This was a blatant XXXX and I will be seeking damages as permitted by the FCRA for the willful non compliance reporting that has caused me financial and physical harm.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX. XXXX XXXX XXXX. {$21000.00}. This debt belongs to my brother, whom has a similar name to mine. I have contacted the apartment rental office, the collections company, and XXXX. Rental office wouldnt give me the rental agreement because its not my account. The collections company wouldnt help because the information they received from the rental office. And XXXX wont help unless I have a letter explaining everything from the rental office and the collections company.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: THIS ACCOUNT IS INVOLVED IN LITIGATION. Case number : XXXX XXXX. National Credit Systems is reporting inaccurate information. Original creditor is incorrect. Balance is incorrect. False charges were added to this account. Original creditor is XXXX XXXX XXXX XXXX
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I do not have a contract with National Credit System, I am not liable for this debt.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: RE : Account number : XXXX The account above concerns me. This is notification that I formally dispute this claim and seek validation. Pursuant to local state laws as well as the XXXX and FCRA, Im requesting validation with proficient contractual evidence bearing my signature obligating me to pay your company. Please note that I can seek remedy due to FCRA and XXXX violations if a negative entry is placed on my credit report with XXXX, XXXX and XXXX from a debt I do not owe. Also, if that debt is not validated with physical evidence, it must be deleted from my credit reports.
Company Response:
State: AZ
Zip: 85206
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I asked this company to send me any proof of my signature that I made for this inquiry/collections account made in my name I send a paper that my identity and information may have been stolen from the hospital I was in and they still havent send anything showing I was the owner of that collection or inquiry so Im demanding they remove this from my credit report because its hurting my score and stoping me from reaching my financial goals
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to delete the following information in my file. The item ( s ) I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge, I ask that the item ( s ) are deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item ( s ) as soon as possible.
Company Response:
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never lived in XXXX XXXX Apartments, I do not have any outstanding balance with them
Company Response:
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A