Date Received: 2020-03-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Never received letter notifying of placement of debt with their office. beginning in XXXX : Received repeated phone ccalls from Miss XXXX. was told the only way to dipute was foor me to mail in letter. XX/XX/XXXX mailed dipute, with attached emails ( 10 pages ) and photos ( 5 ) and copies of adds ( 5 pages ). Included state statute that would make this an illegal debt. XX/XX/XXXX : Miss XXXX advised she would reporting me and co debtor ( XXXX XXXX ) to the credit bureau regardless of the dispute. XX/XX/XXXX : she advised that she did not care if there was not a judgment or writ, she was turning us in anyway. XXXX : letter from company saying dispute was not valid. XXXX XXXX calls from Miss XXXX ( called back twice ) XX/XX/XXXX call from miss XXXX XX/XX/XXXX : notified I would not pay, this was not a judgmen, she advised they were reporting to the credit cureau unless and until I pay the balance in full. She sais I would need to sue THEM.
Company Response:
State: IA
Zip: 51106
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: National Credit Systems reports on my credit report that I owe XXXX XXXX XXXX. I asked for validation and they sent me a contract with the 6th line a date from 2013 and a different rental agency than what's stated on my report. I believe this paperwork was copied and pasted. It also doesn't have an itemized list on the paperwork. This company was unable to validate their account so should be deleted immediately from my report.
Company Response:
State: VA
Zip: 23224
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: NATIONAL CREDIT SYSTEMS is attempting to collect a debt from us of {$28000.00} on behalf of XXXX XXXX XXXX. XXXX lost several attempts to sue us in court and is attempting to use NCS to try and damage my credit report. I disputed the collection which is now on my credit report. I had my attorneys send them letters to not place a collection until fully verified that they had the authority to do so, which they never provided truthful and accurate information. XXXX XXXX XXXX is providing them false records. We do not owe XXXX XXXX to XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-14
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 was deleted off of my XXXX and XXXX but not XXXX. They just updated it. This is a false collection.
Company Response:
State: CO
Zip: 80010
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my information. And open up a apartment in my name in XXXX texas. The name of then is XXXX XXXX XXXX XXXX. I found out because I was trying to get a place to stay and it came on my credit report. I never stayed in texas a day in my life, for the same company they also used my information for there electric bill called XXXX XXXX XXXX. I have tried to dispute the charges but nothing is being resolved. I have filled a police report and a Identity theft form .someone has access to my social security number and is using it opening up accounts under my name can someone please help thank you
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Systems. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer however I never received any validation of the debt. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation of the full debt that is claimed to be owed. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: They said the amount they had was accurate it actually 2x more than the court ordered told me to just pay it
Company Response:
State: AZ
Zip: 85027
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2019 - I received an outstanding balance notification from " XXXX XXXX '', the property management company for " XXXX XXXX XXXX ''. They claimed damages without substantiation of the damage - no receipts or photographs were provided. The amount claimed was {$1800.00}. I responded by emails disputing the damages the same day and also on XX/XX/2019. XXXX XXXX did not respond. I visited on site, entering the apartment, and observed that the major expense - claimed damage to a vinyl floor - was not present. I took photos. I sent a certified letter to XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX did not respond. My property insurance company provided me {$1000.00}, the policy limit for this type of liability. I forwarded the money to XXXX XXXX This reduced the amount claimed to {$550.00}. XXXX XXXX sold or contracted the " National Credit Systems '' to collect this claimed debt. I forwarded to national credit systems my dispute with XXXX XXXX, and asked them to validate the debt. " National Credit Systems '' failed to investigate or validate this debt. They simply forwarded an account statement provided to them by XXXX XXXX and stated that I had to prove the debt was not valid. As it is not possible to prove a negative, and it is on the creditor to prove a debt as owed, not on the alleged debtor to prove a debt isn't owed, this is abusive behavior. More than likely, XXXX XXXX is engaged in a wide scale generation of fraudulent damages claims for profit, where most departing tenants have false and inflated charges added to their accounts. And more than like, " National Credit Systems '' is aiding and abetting such abusive landlords.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Contacted National Credit Systems and XXXX XXXX on several occasions, Spoke with XXXX and XXXX at NCS told me my debt was sent to a Law office of XXXX XXXX, and they had to handle it. Although they have continually reported this debt on my credit. I contacted XXXX XXXX they verified they had the deb.t Well I contacted the original creditor which the debt was reduced and told to pay National Credit Systems. NCS refused to take payment saying they no longer had. it. Spoke with XXXX XXXX, and paid XXXX XXXX because I wanted this to be over. To my knowledge it is illegal to continue to report a debt when you no longer have it. I am trying to rent again, and they will not accept the documentation/receipt because National Credit Systems reported and not XXXX XXXX. I have contacted them both and they keep giving me the runarounds. I have paid the debt and I want it removed immediately as it has harmed and was reported inaccurately. They need be held accountable for sharing information and not giving knowledge to the consumer until after. They need to follow the law and report the information correctly.
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A