Date Received: 2020-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. 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.
Company Response:
State: TX
Zip: 77365
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account from my credit report. However, after various formal certified mail FCRA disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false account. I have recently filed a Federal Trade Commission complaint to enable them to resolve this issue immediately and I will begin federal civil court proceedings against National Credit Systems shortly. NATIONAL CREDIT SYSTEM Amount : {$740.00} Date opened : XX/XX/2018.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have my credit damaged because of National Credit Systems XXXX Ga XXXX. I have never leased an Apartment from XXXX XXXX, nor applied and I am being charged {$220.00}. I have no knowledge of why they are very rude, and I was threatened to have it on my credit for 10 years by one of their agents. I feel this is not correct, and I wrote them to clear my credit. They have not, I want them to correct this charge. I would like to see the apartment, that they claim I lived in. I also want to see the monthly payments, utilities, and mailing address in my name at this location. I have in the past, went through the same problems with this Apartment named XXXX XXXX. I finally had it cleared, and again I am having the same issue again. I told them that I did not live at their apartment complex. I want this charge cleared once and for all. XXXX XXXX
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
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: Credit Repair company has sent letters off on my behalf, but the collection agencies have not responded, corrected inaccuracies, or verified the debt.
Company Response:
State: TX
Zip: 77301
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-17
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: 15 U.S. Code 1692e.False or misleading representations
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2020-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX hurricane took out well pump. By XXXX, still without utilites so we had to break lease due to inability to have running water for two months. Landlord agreed and accepted us moving, even gave great refrence when called by new landlord XX/XX/XXXX to do a reference check. Had a XXXX balance to company as of XX/XX/XXXX. XX/XX/XXXX landlord went behind us and submitted a false claim of debt owed to credit companies. He did not go through courts, nor has he returned any text message over the past three years attempting to find out what this was about. Tried disputing but no avail.
Company Response:
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX summited my account for collections to XXXX XXXX XXXX XXXX in the amount of {$280.00}. I paid XXXX XXXX the full amount on XX/XX/XXXX. Earlier in XXXX, XXXX XXXX sold the account again to Nations Credit Systems. I am in the process of refinancing my house and them doing this is uncalled for and illegal. Any assistance you can give would be greatly appreciated.
Company Response:
State: AZ
Zip: 85742
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: My name is XXXX XXXX and in 2015 our leasing agency filed for eviction because we fell behind on rent this was our second lease and we were a military familiy and I was awaiting my MEB which is the medical evaluation board for the XXXX XXXX. I am a wounded warrior in a XXXX and the XXXX applied then and the company knew of my military service. Then after they seized our residence they sue us for damages that were non existing. Since that eviction we have been mostly homeless and unable to find adequate housing. They had given the XXXX damage bill to debt collectors numerous times and I try and get it removed it always popped back up. Now they have sued only my wife I'm small claims court. My wife is a XXXX XXXX I am her XXXX do too her condition. They probably oy sued her because she isnt a military member but she is a military spouse. If you could please help us with this situation it would be appreciated.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Collection company is trying to collect an early termination fee of {$3000.00} but doesn't have a valid contract. Apartment complex XXXX decided to swap out a page of previously signed contract and the terms of my contract. The complex automatically broke the lease.
Company Response:
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2018, National Credit System add a derogatory mark on my credit report per my XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, National Credit System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A