Date Received: 2020-11-05
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: I here have verified that I pay off all that I owed, my balance appears at XXXX and aside here I have the letter that I send to the departments. My complaint ID is XXXX
Company Response:
State: TX
Zip: 798XX
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: THEY USED THE POLICE TO EVICT US DURING XXXX. THEN TOLD THE COURTS THAT WE WILLINGLY MOVED OUT AND BROKE THE LEASE. WE HAD 6 MONTHS LEFT AND THEY ARE CHARGING US THE TERMINATION FEE. THEN SENT IT TO COLLECTIONS AND THEY ARE HARRSSING US AND DAMAGING MY REPORTS. SUMMARY OF MOVE OUT CHARGES Residents : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX, XXXX, KY XXXX Move-Out Date : XX/XX/2020 STATEMENT ( ACCOUNT # XXXX ) Charge Amount Move In Fee {$150.00} Rent {$3800.00} Resident Utility Charge {$310.00} Point of Lease Renters Insurance {$43.00} Valet Trash Service {$100.00} Late Fee {$340.00} Legal Fee Income {$190.00} Damage {$270.00} Termination Fee {$4200.00} CHARGE TOTAL : {$9500.00}
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of identity theft and have been since XXXX. My social security number was used and is still being used to a person in XXXX XXXX FLorida, This person was able to obtain a drivers license, create credit card accounts, was able to and still is able to rent apartments and even own a business with my SSN. I received a debt collection bill indicating that I have not paid the apartment complex. I have never lived in XXXX XXXX Florida. This person also has skipped out on medical bills along with the balance owed to the apartment complex. Needless to say I am very bothered by this situation. I contacted National Credit Systems regarding the {$2900.00} outstanding bill that was reported and on my credit report. I filled out all of the paperwork requested and necessary to take this off my credit report since it is affecting my scores and my report. I sent a 109 page packet that included all information needed as proof that this identity thief has been using my SSN for their identity. I also included a copy of my Social Security card, birth certificate, marriage certificate, copy of driver 's license and IRS documents that have been cleared of my name. I reached out to National Credit Systems in XX/XX/XXXX to inquire if they had received my 109 page certified packet. Mr. XXXX XXXX the collections manager informed me he would help me, but as of today he has not come through. I called many times just as he requested and encouraged, but I have not received a call back. I wanted to know two things : if my package was received by him and if he sent the package to the identity theft department. He has not answered my calls after repeatedly leaving voicemails with him. I need the the debt that was not mine to come off my credit report. I feel violated. I also need to know if my sensitive information is at the identity theft department. This is unfair and I feel disregarded when indeed nothing has been done on the part of National Credit Systems.
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2020 national credit system and absoule recoveries these account are fraudulent
Company Response:
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I rented an apartment in XXXX, AZ around XXXX or XX/XX/2017. Within the first month or two, I was able to terminate the 12 moth lease early because my apartment was deemed uninhabitable due to a roach and silverfish infestation. They had said there were roaches around the complex, and to be careful even though the complex was sprayed often. However, upon move-in day and over the course of my time living there, they only sprayed once despite several complaints. I gave full permission to enter premises to spray for roaches. Several times they said someone was scheduled to spray but just never showed up. There was bug infestation in and around the dishwasher, kitchen sink, bathroom sink, behind/around the fridge, in ALL of the kitchen cabinets. A hole in the cabinet also led to droppings falling in my sink. Also, I was able to break the lease because they lied about certain and specific facilities ( even when asked before I signed the lease ). They said they had a gym, a pool, and a tennis court. They had none of these. They said there was a personal trainer XXXX times a week for an hour instead of a gym. Regarding the pool and tennis court on the complex 's map, it was just a parking lot, storage, and grass. I found evidence of an undisclosed mold/mildew problem that was merely painted over ( you could still smell it ). The dishwasher leaked causing a large mold problem that rotted the cabinets and warped the floor. There was mold everywhere in the bathroom and a kitchen sink area. The bathroom breaker box did not have a cover. There was a very large ( think full jansport backpack ) sized hornet/wasp nest in our outdoor storage shed. They showed me a model apartment and said the apartment I was to be renting looked virtually the same. I was told I could not view the apartment due to it being rented. Then XXXX XXXX put me in filthy, unsanitary, unhealthy conditions. I was intentionally misled about facilities, common areas, and the ability to rent in livable conditions. There were many more issues as well. I have all documents involved with my lawyer and the XXXX XXXX complex if you would like more info. My lawyer helped me terminate the lease legally. There is no public judgment against me. However, XXXX XXXX sent me to collections for {$3200.00} with National Credit Systems. I even paid for a credit repair team named XXXX XXXX XXXX to help take the collections off. I still have the collection on my Experian credit report. I do not owe the debt. I do not deserve a near hundred point drop in credit. I can send over any and all documents, emails, and communication, if requested. Thank you.
Company Response:
State: NY
Zip: 11801
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: National Credit Systems reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX numerous times & was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX Anything. XX/XX/2020 XXXX pm I was on an 18 minute call w/XXXX to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX am I received an email from XXXX stating the dispute was completed. I called XXXX and was told the collection verified but no legitimate proof was ever provided by National Credit Systems or XXXX to verify their false claim. XXXX is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with XXXX and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to XXXX with no justified resolution. XX/XX/2020 XXXX XXXX I was on a 21 minute call with XXXX to dispute National Credit Systems and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to XXXX online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXX XXXX I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or XXXX. XXXX failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to XXXX with no justified resolution. The same occurred with XXXX when I previously submitted a dispute for this same collection agency. No documentation of verification was ever provided.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was a resident at the XXXX XXXX located at XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, On XXXX XXXX there was a attempted break in on my unit at approximately XXXX XXXX by a homeless man that broke into the secured building police were called out there were no security to let them in a second call was made and they gain access to my unit later found out there were no cameras however the homeless man was spotted and a chase to place and the suspect got away .Management was notified and nothing came from it .I called the housing court and was told if I fear for my safety which I did I should give them a 30 day notice explaining my fears and concerns I cleaned the unit we did a walk through ( management and myself ) my lease would have expired in XX/XX/2020, I moved out the following month after this incident however I didnt stay there anymore after the night of the attempted break in. XX/XX/2020 I noticed on my credit report from a debt collector ( National Credit System , Inc ) a debt of XXXX from this incident I have disputed this debt on the credit bureaus complains that this is false also attempted to take them to court .I would like this removed from my credit, I have evidence that these charges is fraudulent.
Company Response:
State: OH
Zip: 44108
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good Day, I am XXXX XXXX XXXX and my reason on reaching out to you is to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Company Response:
State: TX
Zip: 77049
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A letter was sent to National Credit Systems as a request to provide validation of the account they are allegedly collecting for. I sent this letter on XX/XX/2020 and they got it XX/XX/XXXX. To make sure they get it I sent it by certified mail with # XXXX. I have yet to hear from them despite the extra time they had to investigate and give validation because of the pandemic.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account is being reflected as reporting to Credit Bureaus with inaccurate information by National Credit Bureaus. They are reflecting and amount owed does not match the account statement provided to me from a representative from XXXX XXXX XXXX XXXX the original owner of the debt. The balance they are reporting to credit bureau is {$2900.00}. Per the attached fee bill from the property the total balance owed is {$2800.00}. Credit reporting agencies are legally obligated to correct or delete inaccurate information. Also, as evidenced by the attached date on the e-mail received from the original owner I was never notified of the debt or given an opportunity to pay the debt to the property by receiving notification or contact from the property until XXXX XXXX almost a year after moving from the property. As the final account statement will show I moved from the property originally on XX/XX/XXXX. I should have received confirmation or notification of the debt within 30 days after the original move-out date from the property. Also the final account statement from the property is inaccurate and reflects charges not owed to the property by me for cleaning fees and damage to a tub in the master bedroom. Please see attached e-mail I have sent to the property to dispute charges as listed on the final account statement.
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A