Date Received: 2020-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Since 2017, XXXX XXXX and national credit systems say i owe {$23000.00} dollars when i don't. As a result i have been denied XXXX mortgages. I filed XXXX disputes with XXXX and XXXX and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to XXXX and XXXX and national credit ststems. I have no judgements against me from anyone. The refuse to remove it.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: So I pulled my credit report around XXXX XXXX 2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XXXX XXXX 2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help.
Company Response:
State: MS
Zip: 38801
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
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: The collection account from National Credit Systems with amount of {$290.00} on my XXXX credit report does not belong to me. Verified via multiple sources, it rather belongs to a person with same last name, similar first name, different date of birth and social security number, who happened to have lived in the same apartment community as I did. I disputed this account at XXXX but they listed this person 's name and address as one of mine and indicated this collection is " verified as accurate '' as the result of this dispute. I also tried to contact National Credit Systems. I don't have any account on their record but they refused to offer any help correcting the false report, instead their customer representatives tried multiple times to trick or mislead me to admit I owe the money and make a payment. Attached proof from the original creditor showing me having XXXX balance with them.
Company Response:
State: CA
Zip: 95054
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I emailed the National Credit Systems at the email given on the website XXXX on XX/XX/XXXX and they have not responded. I am emailing you about this complaint XX/XX/XXXX I'm assuming they are collecting a debt from an apartment complex I use to live at and they did not notify me they were trying to charge me for the cleaning services. I went to the website XXXX XXXX XXXX And I put in the amount owed ( {$600.00} ) and my social security number and nothing showed up. Clearly on my XXXX Credit Report it shows a balance owed of {$600.00} from " XXXX XXXX XXXX '' which is the company that hired National Credit services to charge me for the debt. On the website link XXXX XXXX XXXX It clearly states on the website " To obtain account information and/or make an online payment, you must login by entering any two of the three fields below. '' But that is a lie. I can't call them during business hours because I'm always working and I can't have my cell phone at my job.
Company Response:
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2020-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company has continued to report information negatively on my credit file that I can not dispute not confirm. They have not provided me documentation showing any form of contract between myself and NCS They have not provided me written notice regarding this debt
Company Response:
State: MO
Zip: 63146
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I moved out of these apartments with a XXXX balance and after turning in the keys doing my walk through it was determined I owe nothing my deposit would be kept because I moved in on a special and did not pay a full deposit just for normal cleaning fees. Now It saying I owe XXXX and I don't. I am not paying these people for a debt I do not owe and it is making it so me and my family can not move the debt is with National credit Systems inc. for the XXXX XXXX XXXX XX/XX/2016 They account number is XXXX the phone number is XXXX.
Company Response:
State: TX
Zip: 75060
Submitted Via: Web
Date Sent: 2019-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted XXXX XXXX XXXX for XXXX XXXX and National Credit Systems for XXXX XXXX. regarding these fraudulent accounts and they have yet to respond or block these accounts from my credit report. These accounts are not mine I have the identity theft report to support this claim. I am also a victim of the XXXX data breach, and I am handling that situation as well.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Company Response:
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent dispute letters for the inaccurate accounts to be removed from my credit report on XXXX/XXXX/2019, XX/XX/XXXX/2019,XX/XX/XXXX/2019, XXXX/XXXX/2019 and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " XXXX XXXX. XXXX '' and it should have been deleted per Section XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). I also sent a letter with Section XXXX XXXX a ) ( XXXX ) ( A ) to show me the physical documents and they have not.
Company Response:
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2019-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was paid using a check for the amount of XXXX, the apartment company cashed check using ACH and did not turn over the check to the bank, however it clearly states the name of the apartment complex and the amount on the bank statement. The apartment complex itself was notified and confirmed that it was a mistake due to the transfer of their ownership. The debt collection agency says that they could not " reach '' the apartment complex and would therefore be unable to take the debt off.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A