Date Received: 2020-12-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I went to purchase a new vehicle and to my surprise I had a debt on my credit report that I was not aware of and had never heard company. The company is National Credit Systems for {$6600.00}, says original creditor is XXXX XXXX, it was reported on XX/XX/20.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: It was brought to my attention, when I was trying to rent a property and got deny. They told me to check my credit report and that's what I did. And that when I saw National Credit Systems on my credit report and it was a balance of XXXX on my credit. I told them I never live at that address in question and was not aware of this on my credit. I told them I live at another address for 11 years so that couldn't be my balance. I sent them a georgia power bill of residency and rental applications I did in XXXX my georgia power bill was from XX/XX/XXXX to XX/XX/XXXX
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I SENT IN MY LETTERS TO THE CREDIT BUREAUS TO REMOVE THE INVALID AND UNVERIFIED ACCOUNTS FROM MY CREDIT REPORT AND I HAVE NOT HEARD BACK FROM THEM. PLEASE DELETE THE ACCOUNTS FROM MY ACCOUNT.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent in letters to the credit bureaus stating that i had invalid and unverified information on my credit report and I have not heard anything back from the credit bureaus. Please remove the accounts from my credit report.
Company Response:
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In XX/XX/XXXXI was a XXXX at college and wanted to move off campus for the XX/XX/XXXXyear. I found these apartments and me and a group of friends went to tour the apartment. The tour guide offered us interest papers to sign to hold our place but in no clear terms did she mention we were signing over our right to that apartment complex. Because I was an early age of XXXX I had no proof of income and no credit so I needed a guarantor to be qualified to move in. My guarantor declined my request which resulted in me not moving in. A couple of months later I get a collections call saying I owe the apartments complex almost XXXX XXXX dollars. I was never notified of this, I was never offered room keys, and as far as I knew my application was never suppose to be processed because it was incomplete due to my missing guarantors signature. I have had to suffer for the last 3 years because of this. I was homeless for about a month because an apartment complex I never lived in. This is not right, then to make things worse, Ive come to find out my room that I had planned to move in was subleased out during the semester, so how can two people lease out the same 1 bed room apartment. This has blocked me from getting my first car in my name, I can not get support from banks, I also have trouble finding my own place to live in my name because of this. I literally have to depend on others now because to everyone else I'm not dependable because of an apartment complex who wanted to get over on a uninformed college student. I have been dealing with this for 3 years and I still have 4 more years of torture to go, so at this point all I'm asking for is help on how to get out of this quicksand situation.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Since XX/XX/XXXX I've written to National Credit System requesting debt validation on alleged account # XXXX, and have had no response and it is still being reported. Other requests were mailed on XXXX, XX/XX/XXXX, and XX/XX/XXXX. How could the matter be resolved when I have NEVER received debt validation from NCS or debt verification from the bureaus? So it is so just because NCS says it's so? I thought the whole purpose of the law was from them to provide proof within 30 days. It's been almost 6 months. Why hasn't this company sent to me whatever information they are sending to the credit bureaus that the account is " verified as accurate and updated ''? I don't believe the debt can be validated. I don't believe the bureaus did an investigation because when I asked how was it verified the bureau 's response was contact the creditor. I did that and they didn't answer.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
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: National Credit Systems is reporting an inaccurate debt. Account number XXXX for {$4000.00} has been updated to my XXXX credit report and is being reported as a collection on XX/XX/2016. The company has failed to provide me a valid copy of any agreement to this debt after several attempts. I dont own this debt and have not received any valid agreements showing my signature.
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A prior rental I had in XXXX sued for non payment of rent. I had paid rent up for 6 months prior and during my 6 months of paid rent did not have hot water. I made numerous complaints to the office, XXXX XXXX XXXX department and code compliance between XXXX. They were sighted multiple times. Upon 6 months paid with no hot water and no signs of improvement I did not pay rent. The case was taken to court for non payment. I appealed the decision and on XX/XX/XXXX were were heard in XXXX XXXX by Judge XXXX XXXX who not only agreed with me but awarded judgement in a split favor. I would move but only be held responsible for a total amount of XXXX and {$770.00} from the appeal of rent during the safety of the paupers act. He advised the current landlord that would be the sum ( {$1100.00} ) of what she was able to collect. However she walked out of the court and threatened me that she would claim as close to {$10000.00} against my credit as she could. Which to date she has continued to attempt and hold my credit hostage for {$6600.00} I contacted the company multiple times and have disputed the information with no success. I was unable for several months in XXXX to even file a dispute against the company during Covid19.I have all my court documents including but not limited to the false documents she reported to the credit bureau after the case was legally closed out and judgement in the amount of {$1100.00} was granted.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There account reporting from NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), this account is fraud, Is not mine. Please help remove it, is affecting my credit record.
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: National Credit systems and XXXX XXXX XXXX XXXX has put unpaid on my credit report and I have no knowledge of this account. It's been 10 months and I have mailed them letters and I have tried to get in contact with them and they still refuse to answer me. I know my right and according to my attorneys and the FCRA I have the right to file a class action lawsuit against this company for reselling to other creditors and falsifying documentation. Please help me get a response from this company and please help me get this removed.
Company Response:
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A