Date Received: 2020-02-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Consumers ( XXXX XXXX and XXXX XXXX ) excised their right under the FDCPA secton 809 requested in writing a letter of Validation of debt to NATIONAL CREDIT SYSTEMS defined as a debt collector under the FDCPA and Person under FCRA. The first letter of validation of debt was sent XX/XX/XXXX to debt collector ( NATIONAL CREDIT SYSTEMS ) requesting the original signed contract the original signed security agreement and requested proof that Persons ( NATIONAL CREDIT SYSTEMS ) is in fact an license XXXX XXXX XXXX XXXX XXXX ( XXXX ) and has the legal right to collect debt. Months has went by and the Person ( NATIONAL CREDIT SYSTEMS ) has still not provided any documents requested in the letter of validation of debt therefore the debt is unverified. According to the FCRA section 609 the consumers XXXX XXXX and XXXX XXXX exercised their rights to request further information about the item on credit report ( which is defined as consumer report under the FCRA ). Further information request was for the original sources of the information reported including but not limited to the Original signed contract and the original signed service agreement. XXXX ( defined as consumer reporting agency under FCRA ) has not done a proper investigation behind the person ( NATIONAL CREDIT SYSTEM ) claim nor provided the consumers ( XXXX XXXX and XXXX XXXX ) the required documents requested within their rights under the FCRA Section 609. The person ( NATIONAL CREDIT SYSTEMS ) continues to be non compliant to the FCRA by false publication of unverified debt the consumer reporting agency and has caused damage to both Consumers ( XXXX XXXX and XXXX XXXX ) consumer report ( Credit report ). XX/XX/XXXX The consumer ( XXXX XXXX ) spoke to XXXX XXXX an manger at persons ( NATIONAL CREDIT SYSTEM ). When asked was there any Original signed contract or Original signed security agreement. XXXX XXXX stated that she does not have to provided the information and that she will continue to report the item until the alleged debt has been paid. XXXX XXXX employed at person ( NATIONAL CREDIT SYSTEMS ) has made a threat to continue to report unverifiable debt to the consumers ( XXXX XXXX and XXXX XXXX ) consumer report. The behavior and action of both consumer reporting agency ( XXXX ) and Person ( NATIONAL CREDIT SYSTEMS ) is a violation of the rights of the consumers protected under the FCRA section 609. The alleged item is to removed from both consumers ( XXXX XXXX and XXXX XXXX ) consumer report immediately. The following documents attached are correspondence sent to both consumer reporting agency ( XXXX ) and Person ( NATIONAL CREDIT SYSTEMS )
Company Response:
State: NC
Zip: 27537
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX continues to report to XXXX a debt that was settled thru divorce decree over 10 years ago. The property and all financial responsibility was ordered by the court to be my x-wives in the decree. I have submitted that to all credit reporting agencies and all but XXXX has removed it. This needs to be removed from my credit. Thank you for your help.
Company Response:
State: KY
Zip: 411XX
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is not me, you have confused me, with some one else.please stop reporting this false debt.
Company Response:
State: WY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Good Afternoon, I moved out of my apartment in XX/XX/2019, when I bought my house. I recently tried to apply for a VA refinance loan and my credit, which is normally in the 700s, was now a XXXX. After getting a copy of my credit report, I noticed a collection from National Credit System ( acct # XXXX ) in the amount of {$130.00}, starting in XX/XX/2019. I contacted the apartment and they told me they were under new management since XX/XX/2019 and that I needed to contact the Property Management company, XXXX XXXX XXXX, since they could not verify the debt. After contacting the property management company, they said that this debt stayed with the apartment and they could not verify it. I reached out to the debt collector and they also could not give me information about the debt. I asked if i paid it, would they delete it from my credit, and they said they usually don't, but as a courtesy, they would in 60 business days. I then asked for a letter to validate that they would, and they said they do not generate letters for deletion. Leading me to think that this will not be removed ant that this debt is a fraudulent charge. The Debt collector told me that no supervisor could help me ( the apartment and the management company also told me the same thing ), and that i needed to contact him directly when I decide to pay this debt. I have never had problems paying my bills and I would have paid the apartment complex if i had known about the debt. I was never billed or contacted from the apartment complex. I feel that our names may have been sold to this company to collect fake debts. XXXX, XXXX
Company Response:
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Im a current full time XXXX at XXXX. Im in a problem for students with XXXX. Im required to only live on campus. Which also comes with Scholarships, and grants. Ive never did business with XXXX XXXX XXXX, or National Credit Systems. Im depending the fraudulent account be removed from my credit reports. Ive never signed or entered into an agreement or contract with National Credit Systems or XXXX XXXX XXXX. Im attaching proof showing where I paid and lived on my college campus
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/XXXX phone call about debt from National Credit Systems in XXXX Georgia. XX/XX/XXXX returned phone call Advised that they had mailed paperwork to vacant apartment EVEN THOUGH the original ceditor was advised of the address several times by email. Nationals credit services ( Ms. XXXX ) advised that this would be reported to the credit bureaus no matter what and that yes, they had mailed it to the vacant apartment, and nothing was mailed to the co defendant ever. There is no judgment. The debt is inflated no inspection report was ever filed Shifty and vague about explaining to me how to dipsute, since they never provided me notice.
Company Response:
State: IA
Zip: 51106
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX I am writing to dispute the following information that your company provided to XXXX. I have circled the items I dispute on the attached copy of the credit report I received. This item for XXXX is inaccurate because I never signed any papers with this company or even live in their apartments. I am requesting that XXXX have the item ( s ) removed or open a case to discuss this in person or move it to the court to correct the information. Enclosed are copies of the emails between me and XXXX which shows that I didn't agree to rent or signed any agreement with them and it should supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item as soon as possible. XXXX XXXX Enclosures : - 6 emails with XXXX proof that this contract was not agreed by me and never signed it. - The letter that was sent to the national credit which explains this mistake briefly TO : National Credit Systems , Inc . XXXX XXXX XXXX XXXX, GA XXXX SENT : to XXXX TO : I have seen a collection on my account about an amount of {$5700.00} from XXXX XXXX and this amount is false and not correct as I have no relationship between this account. XXXX has used my online application for rent falsely to a lease that I never signed neither my application has been signed. Please read the details in this email carefully as it has the details of this problem with documents that proof my claim. - XXXX or the national credit reporting have never sent me any documents related to my problem and NCR contact me I asked them to proof the collection to send it to my address and never received any proofs. Frist of all, The process of XXXX to get an apartment : a- Submit an Online Rental Application b- There must be a Guarantor on the lease which he/she receives email to fill out the rest of the Online Rental Application. c- After that, I should receive an email that my application was completed and approved d- If approved, then the lease will be signed by both the Guarantor on the lease and I e- Finally, move in to the apartment and pay the lease. My claim : a- I submitted my Online Rental Application. b- The { Guarantor on the lease } received the email and never opened the link or signed. c- As I have had not complete my application for part ( b ) my application will not be process ( see attachment named email # 2 ). d- I didn't receive and information about my application if it was approved or not, instead I received email asking me to pay my 1st month on XX/XX/XXXX which completely wrong because my application was submitted on XX/XX/XXXX e- I never moved or even visited this location and have asked them to cancel my Online Rental Application. f- From the lease they sent me it shows a signature they claimed as me ( I do not agree ) and the date XX/XX/XXXX and the apartment manager signature was XX/XX/XXXX and they email to move in was XX/XX/XXXX so the lease was not signed on the time they asked me to move in. The claim details : 1st on Wednesday, XX/XX/XXXX XXXX XXXX ( PDT ) I submitted an Online Rental Application NOT online lease application ( see attachment named email # 1 ) in the same attachment, email # 1, it was mentioned that an Online Rental application was submitted and email # 1 was the official email that was sent to the Guarantor to complete the application, and I never opened the link of fill out any Guarantor info. The reason why I didn't complete the application because I am single father and I sent email to XXXX asking them if they accepted me with my kids and if not I asked them to remove my application, and they never responded. 2nd Per XXXX policy ( see attachment named email # 1 ) to process the online rental application Guarantor must be on the lease, and in attachment email # 5 until XX/XX/XXXX the Guarantor application was incomplete 3rd on Fri, XX/XX/XXXX, XXXX XXXX, ( see attachment named email # 2 ) the email has no correct information which asked me to pay before XX/XX/XXXX Remember that your first rent installment is due on or before XX/XX/XXXX and I submitted my Online Rental Application on XX/XX/XXXX ( dates are mentioned on the original email attachment, email # 1 ) how do I have to pay on XX/XX/XXXX? and this an evidence that they are misleading people by assigning any apartment for anyone who fill in application even if it was not completed not fit in my online rental application. 4th XXXX sent to the Guarantor on Fri, XX/XX/XXXX at XXXX XXXX welcoming him to move in and arrange his roommate which he is not the person who move but the assign him to an apartment as if he submitted Online Rental Application see attachment named email # 3 from the Guarantor email, XXXX XXXX ( my father ). This is also evidence the XXXX assigned apartments randomly to anyone who filled out an application online even if the person on the application as Guarantor. 5th On Fri, XX/XX/XXXX at XXXX XXXX, ( see attachment named email # 4 ) I received email confirmation for the roommates they assigned to me and I never chose any roommates, which I must chose. Also how they asked me to move when my Online Rental application on XX/XX/XXXX still is incomplete ( see attachment email # 5. 7th On Monday, XX/XX/XXXX around XXXX XXXX, XXXX called me on my cellphone ( XXXX ) about the lease and I informed them this I am no longer interested and have not completed the application because I did not got your response for accepting my kids to live with me However, in the same day, on Mon, XX/XX/XXXX at XXXX XXXX ( see attachment named email # 6 ) they sent me an approval rental lease and I replied that per my request on the call to remove my application ( see the attachment named email # 7 ) and this attachment very clearly said ( removed me as I told you on the phone call which means I refused to signed before they send the confirmation ) which was the lease date they claim it was signed, However, as my previous emails it shows clearly there was Incomplete application ( email # 2 ), there was email to move in on XX/XX/XXXX ( email # 4 ), there was email asking to pay on XX/XX/XXXX ( email # 3 ). All the dates and emails shows that lease has not been signed by me or the Guarantor there was false activities by XXXX. From 1st to 6th it proofs that The dates for the emails and lease XXXX provided conclude that they use my Online Rental Application falsely to enforce me to pay. The dated are inappropriate with the application process, for example, I submitted my application on XX/XX/XXXX and they requested me to pay on XX/XX/XXXX. their lease shows their signature on XX/XX/XXXX, but they sent email to move on XX/XX/XXXX and all the dates are not matching the process in addition to the fact that I didn't signed any lease or even completed my application as my email mentioned to them before the lease signed. 8th After multiple calling, I asked them if they want me to move they should pay me the time I was in the hotel from XX/XX/XXXX to XX/XX/XXXX as the manager signature on lease was XXXX and they ignore this and didn't respond which shows their behave that they don't want me to move in instead, they want to enforce me to pay by using my application information. XXXX XXXX XX/XX/XXXX XXXX
Company Response:
State: MS
Zip: 39759
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: the apartment sued me claiming l didnt pay the rent which l paid, at the court they withdrew the case and the judge dismiss the case only to ask me to vacate the premise and they had me in collection.
Company Response:
State: OH
Zip: 45014
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A