Date Received: 2020-12-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a certified letter to the debt collector regarding the debt and needing an itemized statement and validation that the debt belonged to me. A contract with my signature and explanation of the charges. I got no information back but company reported the account closed so i thought the matter was resolved but than placed the account back on my credit report months later.
Company Response:
State: TX
Zip: 76119
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello, My name Is XXXX XXXX. I have contacted this company for over a year trying to get this debt validated or show some proof that I owe the amount that they are placing on my credit report. I have been dealing with this company called National Credit Sytems Inc. regarding a balance of {$1900.00}. I have sent numerous of certified mail letters requesting valdiation that this debt belongs to me. This company has only responding with a lease for an apt I stayed in for one lease year. I have been in contact with a XXXX XXXX that works for this company. I informed XXXX through letters and verbal that this debt is incorrect and does not belong to me. The lease they sent as an attempt to validate this debt is from the year XXXX but the debt they are charging is from the year of XXXX to an apt . I did not reside in. I have reach out to the apt complex who has told me they are under no management and do not have no record of this debt. I requested a lease from national credit systems showing these charges were accrued from my apt . They could not do so and when i requested this debt be removed due to lack of validity she stated she did not have that authority to do so as they were hired by the property management company during my stay ( who no longer manages the property ). she told she would need to inform them of the findings and see what they wanted to do. I informed her it is against the law to place a collections on my credit report that is not validated and even upon my request for proof you have not supplied with well over 30 days to do so. she proceeded to transfer me to the supervisor named Mr. XXXX whose Voicemail i have been sent to over 5 times in the last 5 months. I am homeless and unable to achieve credit worthiness for decent living due to this invalid account and NATIONAL CREDIT SYSTEMS please help me.
Company Response:
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Report a collection account as fraud. The company did no investigation and sided with the debt collector. With no proof debt was owed or it was me that made the charge.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have been disputing this company for years, I have never received written notification of this debt or my right to dispute and based upon that info this debt needs to be removed from all 3 credit reporting agencies.
Company Response:
State: GA
Zip: 31024
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My daughter was a student at XXXX living in a two bedroom apartment. We had to move due to the apartment was shutting down due to mold and other issues. I personally drove to Louisiana to move my daughter. I cleaned and made sure the apartment was in the same condition it was given to us. I gave them there apartment back cleaner than it was given to us. Upon returning the key no one came by to do a final inspections with us to discuss any issues. Then I received a bill for which I have no clue what it is for. I did not receive my deposit back but this bill. After receiving a credit report that my score was reduced because of a collection from National Credit Systems on behalf of XXXX XXXX XXXX XXXX. I was never informed as to why I am being bill the amount of XXXX
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received notification that there's a collections account on my credit reports from " National Credit Systems , Inc '' but I have never heard of such a company. I have never signed anything with, nor communicated with this company. I believe this collections account may belong to someone else and was placed on my credit reports in error. I request copies of anything this company may have with my signature and/or social security number, if any documents they may have exist. I request that this account be removed from my credit reports.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Reference complaint : XXXX In the company response, they state that the move out inspection was completed in XXXX so I still owed the balance. I am submitting proof that the move out inspection was completed in XXXX. The original creditor is lying. Remove this from my report. I have already submitted the requirements for SCRA. We stopped the lease when we got notification because the original report date was XXXX. We got them to push it back to XXXX to give us time to register our kids in school.
Company Response:
State: MS
Zip: 39180
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2019 I paid a total of XXXX to XXXX XXXX as my final payment before moving out. The payment was done with a cashiers check dispensed through my bank, XXXX XXXX XXXX XXXX XXXX XXXX. I have proof of the check. XXXX XXXX submitted the payment on XX/XX/2019 into their system. I also have proof of their records as they have given me a copy. Months later I received a copy from National Credit Services that I owed the same amount described above ( case number XXXX ). I called the apartment office to let them know of the letter received from National Credit Services. I was told it would be corrected from their end. Over a year now, this collection is still under my credit report. Please let me know what to do in order to have it removed. I did call National Credit Systems and was advised to mail in proof which I will. I am in the middle of refinancing my home and this collection is keep me from having an excellent score. Please advise me on the proper steps to get this removed. It seems that mailing my information will still be lengthy process. Thank you so much for your time.
Company Response:
State: TX
Zip: 77530
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My private information was sold to National Credit Systems by the XXXX XXXX and it should not have been. I don't have any history with National Credit Systems and did not agree to have my information sent to them. Furthermore a balance should not be owed with XXXX XXXX XXXX or National Credit Systems as I went to court on the filing. I provided the judge proof of an XXXX environment after the apts failed to provide my son and I with a upgraded unit leaving us to live in a bldg that XXXX XXXX then subsequently developed XXXX, XXXX, and XXXX XXXX. The apts failed to do anything about this. I had to even result in contacting the XXXX XXXX XXXX. This information was provided to the court which the XXXX of the XXXX XXXX failed to appear which led to the XXXX to dismissed the case ( including the charges ) against me. National Credit Systems have been reporting inaccurate information to the Credit Bureaus and they should have record of my complaints with The XXXX XXXX. The balance/acct is invalid.
Company Response:
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-20
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 incorrect information on my credit report. It has been over 30 days and I haven't received a response
Company Response:
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2020-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A