Date Received: 2020-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National credit systems management collaborative of Alabama keep reporting a collection of XXXX to credit bureaus in the name of XXXX XXXX my name is XXXX XXXX XXXX and I've never rented apartment ..The apartment don't belong to me.. I been trying for 2 yrs to resolve this issue..im not sure who rented apartment using my information but it wasn't me.cant file theft of property.im not sure..i have a idea but I don't want to say because I could be wrong ...
Company Response:
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt was not mine it was us 2011 and it was not mine I someone use my credit and received and apartment under my name which I did not get one. They never check who was the person they were hurting for people and that person who received my ss they used it to get a apartment. I demand it of right away or I will have a Cease order file against this creditor and sue them to the fullest. I want it off in XXXX and XXXX.
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I lived at an apartment complex in XXXX, NC called the XXXX located at XXXX XXXX XXXX XXXX, NC XXXX. I lived there for 2 years, and my official move out day was XX/XX/2020, of this year. On XX/XX/2020, I recieved a letter from National Credit Systems , Inc, in XXXX located at XXXX XXXX XXXX XXXX, GA XXXX saying that my {$81.00} balance has been paid in full. Mind you, XX/XX/XXXX is not even one entire month from the move out day from these apartments. I never received an email or notification that I still had a balance on my account. The creditor reported me, and I paid immediately. It is now XX/XX/2020, and the delinquency is still showing on my credit report. I want to file a dispute with the apartments primarily, and the collections agency.
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2020-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX of 2016 I notified XXXX XXXX that I would be moving. The Manager at the time said I needed to give 60 days notice vs 30 days. I would have to pay rent for the last 30 days ( XXXX ). I went to move the last of my personal belonging out of the apartment on XX/XX/XXXX, the locks had already been changed. I went to the Office to pay XXXX 's rent, but the Manager told me that even if I pay XXXX 's rent she was not letting me into the apartment, because I had given a 30 day notice. I argued that I was still paying XXXX 's rent so, I should be allowed access to the apartment until the end of the month. She said no. I didn't not pay XXXX 's rent and was not allowed to recover my personal belonging that were still in the apartment. XXXX XXXX also kept my deposit of {$720.00} dollars. ( not positive this was the amount of de4posit, but I do know it was the same as the rent ) I've disputed this through the XXXX and the reply was " Completed investigation of FCRA dispute-consumer disagreed ''
Company Response:
State: KY
Zip: 41017
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
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: They are charging me a debt that does not exist, I appear in person at the office and the debt is closed, now they want to charge me an amount that does not exist
Company Response:
State: TX
Zip: 798XX
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I went through the eviction process at XXXX at XXXX XXXX because I didn't want to continue to live in an apartment with stair damage. I feared for my life going up and down stairs that were not sturdy. I signed a rental guarantee policy at the time of move in that would pay any rental arrears at eviction, skipping up to XXXX and any damages up to XXXX. This policy was a condition of move in and would pay regardless of how long you stayed at the complex. The policy was paid at move in and was not a recurring charge. I advised National Credit Systems of this policy and that the complex has been paid for any amount owed when they sold this account to National Credit. It is not collectible and I will also be seeking attorney representation to dispute this as well. Nothing is owed to XXXX at XXXX XXXX and they know it. National Credit Systems knows this as well and they continue to fraudulently list this uncollectible account on my credit report. I need to have this account removed immediately.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I noticed on my latest credit report, a new credit line was created for National Credit Systems dated for XXXX of 2019. I never received any information regarding this debt, no phone calls, no emails, no postal mail. Upon finding out about the debt through my credit report. I called National Credit Systems, they claim my debt is from an apartment I stayed at over two years ago that I left at the end of my lease with no issue. That apartment is now under new management. The new management is what shows up as the company that reported the debt but they claim not to. The new management has no records of me even staying there and said they can't help me with the investigation. They gave me the number to previous management but they will not answer my calls or emails and I believe they are no longer in business. National Credit Systems will not give me full detail of this debt, they lied and said they'd send it to me but it's now been 3 weeks and I still haven't received any email or postage. I sent a formal letter to them and they have received the letter but have not responded. I want this fraudulent debt eliminated from my credit report, if they can't provide me details of the debt I'm not liable. I have never missed a payment in my life, all my legitimate debts are kept current every month.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have told them plenty of times that I never resided with my mother nor signed a lease. I was in XXXX XXXX FL around the time they stated this account was opened XX/XX/2016. I was still working for XXXX that was in XXXX FL. I advised them of this and still this is on my account no documentation or anything was sent to me. All i seen was my XXXX with this info on it
Company Response:
State: FL
Zip: 32926
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid the Debt even though it was not owed and they are still reporting this to XXXX. All the other Bureaus have removed this Debt because it was Inaccurate and never owed National Credit Systems XXXX the company contact is : NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX , GAXXXX XXXX XXXX ) XXXX
Company Response:
State: FL
Zip: 32750
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: On XX/XX/2020 I paid the balance of XXXX to national credit systems and the depute off my credit report continues to get denied I have full documents on it
Company Response:
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A