Date Received: 2021-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I put in a complaint about national credit systems reporting information that has been proven to be fraudulent to XXXX rentburea that is stopping me from getting a new place to live. Now instead of responding to my complaint and removing the information, they are saying I am not their customer and I can not speak on my own behalf. However, they are furnishing negative information to my credit report, but claim that I am not a client. They continue to be unethical and violate my consumer rights
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: NATIONAL CREDIT SYSTEMS INC This company has placed themselves on my credit report Ive written email and letters requesting verification and time barrier on this alleged debt. I have never heard of them their open date is XX/XX/XXXX but I have never had a loan with XXXX nor have I ever been contact or reached. Why are the credit company verify debt but when I request it Im not getting any information. Please have them remove this debt as I feel this creditor is lying about the debt and the what it is
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My daughter is a college student in XXXX GA. She rented an apartment from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA. Her lease agreement began XX/XX/XXXX, and ended XX/XX/XXXX. I was listed as her guarantor. My daughter moved out of the unit near the end of XX/XX/XXXX. Two months after she moved out she received a letter stating that she owed miscellaneous bogus fees of XXXX. She had not received any notification of these fees prior to the time. She had a video of her unit when she left showing no damages. She cleaned out all trash, and her father witnessed. I attempted to contact the apartment management via telephone numerous times, and they refused to speak with me. I sent emails. Upon move-in, she completed a move-in inspection form. There was no move-out inspection done, and per Georgia landlord-tenant laws if there were damages, they were obligated to notify her within 3 days of moveout, or the end of her lease, not two months later. Per the lease agreement, they were required to submit photos to us of damages claimed. There were no photos. " Within three ( 3 ) business days after the lease terminates, or a reasonable time after the landlord discovers the tenant vacated, the landlord must inspect the unit and prepare a list of all damages and the estimated dollar value of such damage. The landlord must sign the list and provide it to the tenant. O.C.G.A. 44-7-33. '' The lack of notification until two months later was noted by the management in the letter attached below. My daughter did not open the email sent over two months after her move out because she was not concerned about any issues, and she received other junk emails from them in the past. In addition to violating these laws, we were unaware of the law whereby a person who has an emotional support animal or a service dog can not be charged additional fees for the animal. My daughter 's dog is an emotional support animal and a certified service animal. We were quick to inform the apartment complex of this emotional support animal upon signing the lease agreement, and we supplied the necessary paperwork, attached. It was not until a few weeks ago, that we discovered the illegality of charging additional fees for her animal, but they did. The additional fees were a total of : XXXX over the course of the year. XXXX is not a large sum of money. My refusal to pay the fee is the result of the principle of not allowing them to steal from college kids. At this point, both my and my daughter 's credit scores have been affected. My score was XXXX and is now XXXX. My daughter 's score is now XXXX. The collection agency name and address is : National Credit Systems , Inc . XXXX XXXX XXXX XXXX XXXX XXXX We have sent a letter to them as well as to the apartment complex. See attached. Letters were ignored. They have violated the Fair Housing Amendments Act by charging my daughter additional fees for her emotional support animal. I personally attempted to contact the apartment community many times and received no return calls. I emailed letters. I spoke to the collection agency. Nothing. We hired an attorney to send letters, which I will attach, to both the apartment community and the credit collection agency. The letters were sent and received, per certified mail, but we received no response. Please assist us with this matter. Thank you.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On Sunday, XX/XX/XXXX I performed my weekly check of my credit report through XXXX ( see latest report attached ). I was unpleasantly surprised to learn that my credit score had dropped 57 points due to a derogatory remark from National Credit Systems for a {$170.00} debt that does not belong to me. I called NCS ( XXXX ) the next day, XX/XX/XXXX @ XXXX XXXX. The operator was unable to find an account with my social, but put me in contact with an agent that was also unable to retrieve any details that matched what I was seeing on the credit report. I figured maybe NCS realized their mistake and the error was corrected. I decided I'd check the credit report again in a week to see if the remark was dropped. Unfortunately, a week later the misplaced debt was still on my credit. I called NCS again on XX/XX/XXXX @ XXXX XXXX and had success with the operator XXXX determining the account number of the debt and also the agent Mrs. XXXX responsible for helping me resolve this issue. I called Mrs. XXXX shortly after @ XXXX XXXX as she was unable to immediately answer the phone after being transferred several times by the operator. Mrs. XXXX response was curt as our call lasted all of 5 mins with several minutes spent with her looking at the account details. She informed me that she would mail me a copy of the lease from XXXX XXXX XXXX XXXX in question and be in contact with the client to confirm I did not live there. The real kicker is this " due diligence '' step would take up to 30 days. That's not to say that this will be off my credit report by that time. My main problem with NCS, which is why I decided to file this complaint, is the debt collector should have done their " due diligence '' before they put someone else 's debt on my credit report not after the damage is already done where now this is unfairly impacting my lending opportunities. Furthermore, the age of this account debt is 6 years 4 months. I have received no notices or contacts from the debt collector or the leasing company before I contacted them after this appeared on my credit report. If this type of practice isn't illegal, it should be since this affects people 's livelihoods.
Company Response:
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing today to request the help of the CFPB with my dispute with National Credit Systems , Inc . They have purposefully violated my rights under Section 1692g of the FDCPA and the FCRA for furnishing data to XXXX and XXXX when they have not properly validated this alleged debt. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from National Credit Systems , Inc. regarding an alleged debt. On XX/XX/XXXX I responded with certified documents disputing this debt. National Credit Systems received these documents on XX/XX/XXXX at XXXX XXXX - document evidence attached. As of today, National Credit Systems , Inc. failed to respond to my request for validation and have violated 15 U.S. Code 1692 ( g ) validation of debts, which states, the debt collector must cease collection of the debt, including credit reporting until the debt collector obtains verification of the debt and is mailed to the consumer by the debt collector. As of today, XX/XX/XXXX National Credit Systems , Inc. has not provided this information, yet, has listed this alleged debt as a derogatory account with both XXXX and XXXX. National Credit Systems has even noted the account with both credit reporting agencies as " Account information disputed by consumer, meets FCRA requirements '' ; however, never fulfilled their obligation. Please note, in light of the KNOWN issue with the United States postal service delivery, I can not be held responsible for the delay in mail delivery. For this reason, I have attached proof of delivery that shows I was well in the timeframe of the 30 day notification period. National Credit Systems , Inc. did not make any internal adjustments to their processes ; instead willfully chose to be in non-compliance with the FDCPA and FCRA.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2021 National Credit system - XXXX popped up on my stellar credit report with no warning. The credit bureaus have police reports and affidavit which indicates I have been a victim of ID theft. This above mentioned company was allowed to place this FRAUDULENT account on my credit report. This is not a company that i have ever given permission to access my information in any capacity. When I contacted said companies they were trying to collect information to alter said current records. I would not provide them with my current mailing address nor verify certain information. as any information obtained will be used for collections. They can not collect on something that is not mine. I have contacted the credit agencies however this company needs to remove said information expeditiously as possible from ALL CREDIT REPORTING PLATFORMS THAT THIS IS BEING REPORTED.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a collection letter from National Credit Systems without debt validation.
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: National credit systems has been reporting to my credit for years without ever showing proof of the original owed amount before being sent to collections. I was not made aware of the debt and once I tried to resolve, received no explanation or confirmation that it was myself that actually accrued a debt or any previous attempt to collect from the original owner.
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a debt Validation letter on XXXX certified mail, in which the company National Credit Systems signed for it. They later sent me a copied billing of alleged debt, they did not send me a transfer of debt contract which is required by the state on North Carolina and they also did not send me a valid active surety bond in the amount of XXXX which is required in the state of North Carolina in order to be a debt collector. Instead they sent me the same billing and completely disregarded my letter. I followed up with a 2nd letter with a response that they did not show proof to be a legal debt collector in the state of North Carolina per the requirements set forth by the state of North Carolina. I supplied them a copy of the North Carolina requirements to be a legal debt collector. They did not respond to my 2nd letter.It has been more than 45 days without any response from National Credit Systems. Instead they sent same letters they first sent to me, now to my fiancee. I am now responding with the same exact letters I sent them, for her.
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A