Date Received: 2021-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was staying in an Apartment @ XXXX XXXX XXXX XXXX, GA XXXX. I specifically told management that I was not signing nor would I be held accountable for any lease or lease agreement. I never signed anything allowing the apartment complex or anyone affiliated with them to run my credit. I was working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a XXXX XXXX ). XXXX XXXX was leasing the apartment for me to stay while working in town. I did put the utilities/cable/ etc.In my name because i wanted internet and cable access. etc.. XXXX XXXX XXXX did not make the payments while I was out of town as a result to a family emergency. When I returned eviction notices was embarrassingly posted on all the doors for the neighbors to see. Harassing phone calls by a couple of collection agencies preceded. I continually have explained the situation and showed them the lease that I never signed. They are guilty of reporting false information to the Credit Bureaus. I have filed many complaints and will continue to do so until this fraudulent activity has been resolved. I reticently have filed and will continue to file disputes with the XXXX and credit reporting agencies until my credit has been cleared and this matter has been resolved.
Company Response:
State: TN
Zip: 37918
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ive tried to get verification from this company numerous times with no response. Went to their website to enter in my SS # to verify and it comes up as invalid ss #.
Company Response:
State: NC
Zip: 27203
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I had an apartment in XXXX ga in XXXX. I had a XXXX in XX/XX/XXXX and was in a XXXX for several months. My family was taking care of my affairs while I was in a XXXX. My family had worked out a resolution to remove my personal belongings and settle the rest of lease. The lease was closed out in XX/XX/XXXX. My family kept. The paperwork and proof of resolution of lease. Sometime while I was in rehab the leasing company sent me to collections claiming no resolution was ever made.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The attached letters, which are debt validation forms, were sent and received via certified mail to National Credit Systems. The company after 30 days has still not responded and failed to validate the debt.
Company Response:
State: IN
Zip: 47715
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX of XXXX I became aware that I was the victim of identity theft. I received an alert from XXXX that my credit score went significantly down. Around this time, I received two collection notices in the mail from National Credit Systems Inc. One was for an unpaid apartment rental in Michigan ( XXXX XXXX XXXX ) for {$4900.00} and the other was for a related security deposit company, Sure Deposit, for {$750.00}. After looking into it, I found out that someone had been renting an apartment using my personal information including name, date of birth, and social security number. Both of these collections appeared on my credit report. I later found out that my personal information was compromised as a result of the XXXX XXXX Data Breach. I originally tried twice to dispute the collections through XXXX and their fraud department, and each dispute was denied. I then placed a fraud alert on my credit. I have also frozen all of my credit profiles through XXXX, XXXX, and XXXX XXXX. I then filed an identity theft report with the FTC. The FTC provided me with a list of steps I needed to then take which I completed, including filing a police report. I filed the police report in XXXX of XXXX when I was told by National Credit Systems Inc. that I needed one. Also in XXXX I submitted the following documents to National Credit Systems Inc : my police report, FTC report, two years worth of leases proving my actual residency ( not in Michigan ), a picture of my drivers license, an affidavit packet and a Notice to Furnishers of Information. I followed up by calling them in XXXX and they said that they investigated the situation but my dispute was once again denied because my information matched the information that the false renter had provided on her rental application. I have contacted the collection agency and the apartment complex multiple times and neither have provided me with any options on how to move forward and resolve the issue. A few weeks ago, I gathered all my documentation and then mailed them to both XXXX and XXXX in order for them to reach out to National Credit Systems Inc. to resolve the issue and remove the collections from my credit report. This included a cover letter, police report, updated FTC report, copy of my drivers license, copies of the collection notices, and a copy of 605B of the Fair Credit Reporting Act. I recently received my dispute results from XXXX, and it has been denied once again, even though I have provided the proper documentation multiple times to both the credit bureaus and the collection agency. National Credit Systems Inc. has been very uncooperative in resolving this issue and I am requesting your assistance in helping to remedy this situation.
Company Response:
State: MA
Zip: 02127
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NATIONAL CREDIT SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Company Response:
State: TX
Zip: 77502
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Account : National Credit System # XXXX I'm unware of this debt and did not have the opportunity to dispute. If the collector is stating the provide the notification, please send the receipt of CERTFIED MAIL that should have been received. Also, please provide the VALIDATION OF DEBT and METHOF OF VERIFICATION. Please remove this account off my credit report.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company keeps on reporting false information on my credit report. They are claiming I owe a balance that I never had from the beginning. I have never done business or mad e an transaction with this company and yet they continue to report false information on my credit report. I have demanded them to remove the information that they reported. They refuse to send documents supporting them on why they are reporting false information on my credit report. At this point they are in violation of fair reporting credit act.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Identity fraud. Turn over to credit bureaus for debt thats not mine
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX I moved into an apartment with my ex bf when I signed the lease it was stated that I had no income and would not have any for the next twelve months. My ex moved out 3 months early and now they have sent the account to collections thats preventing me from moving. I have asked them to validate this debt numerous times in the past two months and I still have received no documentation since around XX/XX/XXXX when I disputed this debt.
Company Response:
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A