Date Received: 2019-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Property Manager at XXXX XXXX XXXX is trying to collect a dibt for months in which we did not reside at the address. They have sent {$2200.00} to National Credit Systems after we already went to town court. The judge already ordered no money owed to the property and we were not obligated to pay further rent. They kept the security deposit anyways, and continue to try to collect. We were already ovetpaid and at a loss resulting the issues at that property. I don't owe them any rent at all and there was no damages to the unit. It is XXXX properties.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To whom it may concern, I am writing this to see if someone can help me. i been contacting leasing offices, debt collectors and more pleading my case. i seen years ago i had a apartment show up on my credit report. And once i noticed i submitted multiply disputes to handle the situation and nothing has happened. when speaking to others they have told me there is nothing that i can do and it would remain til i pay it. so for years i done nothing. Then i still tried to apply to apartments and they have all denied me. I cant even get a place to stay so currently i am XXXX. All because of some incorrect information on my credit report. The last time i contacted the apartment people they had advised me that the apartment people no longer own the apartment and they also couldn't help me. i have also contacted the previous apartment company they have not gotten back to me. so now Im pleading my case to you because i need help. Im being punished for something i didn't do. also i asked the credit people what they were using to verify it was me. and they saying that they just matching information. I was robbed years back and they stole my wallet which included my personal items. so i feel someone used it and purchased the apartment..
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is my SECOND attempt at resolving this claim. I was last referred to fill out a Identity Theft Report. This report is NOT VALID as this is not Identity Theft. The account is NOT UNDER MY SOCIAL or birthdate. This is NOT IDENTITY THEFT. The company doesn't have my social OR BIRTHDATE. NATIONAL CREDIT SYSTEMS INC, showed up on my credit report with an original creditor of XXXX XXXX in XX/XX/XXXX. I immediately called the apartment complex listed, and was told that the company, XXXX XXXX was no longer the owner, and that it had not been for over a year. I was then given a number to the PREVIOUS owner, and they stated they had no record of me in their system, nor a debt. I then called National Credit Systems. National Credit Systems could not locate the information based on my social OR birth-date. There was a file under the name XXXX XXXX but, it was not my social or birth-date. Within days, my phone number ( which was recorded during my call in ), was used to call repeatedly about the debt from an " attorney ''. This " attorney '' would basically try to verify my social .... verify he didn't have my social OR birth-date, but then threaten to see me in court and hang up. I called the previous owner of XXXX XXXX and the current owner AGAIN and both verified they have NO ONE by my social or birth-date in collections with them. I finally got a hold of a manageXXXX at NATIONAL CREDIT SYSTEMS who verified that the file had was not my birth-date OR social ... but that it was MY responsibility to prove to them that I lived somewhere else during the time of this debt. They also refuse to DISCUSS the account with me because I can't verify the SOCIAL that they have. Somehow, throughout all of this, it is STILL being reported to my credit bureau, even with them not knowing my social. This is not me, not my information, just a common name. Also, they continuously call and threaten, and hang up .... I shouldn't have to send them MORE of my information when something as simple as the SOCIAL is not the same.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Ive tried disputing this account reporting inaccurate information on my credit report, I would like proof of validation of this debt they claim I owe which is {$5100.00} and if the validation doesnt produce a signature with my name on it I would like this deleted from my credit report, because this is really hindering in my life and causing a lot of stress.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2019-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have a balance of {$1900.00} on my credit report from Credit National Systems that does not belong to me but a family member. Ive disputed this charge for 2 years. I have been receiving calls threatening to seize assist because of this debt. I asked them to provide documentation to show this debt is mine.. I received an email on XX/XX/2019 and none of my information is on the document. They continue to call with threats to make me pay this debt. I refused to pay as well as requested they remove the debt off my credit.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: National Credit System, they do not want to send any documents with my info. I dont see it on my credit report. Its affecting my life. They want me to file a identity theft. I dont see this on my credit. It took them a week for them to find me in there System. They told me to contact the apartment complex. The company with the number do not own the apartment complex anymore. The company never picks up the phone.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
Company Response:
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I rented a unit from XX/XX/XXXXXX/XX/XXXX located here in XXXX, KY, I was forced to vacate the unit and did not stay until the lease expired. But my complaint here I do not agree with the amount being reported on my credit. I have asked repeatedly to get a complete break down of the total {$2800.00} being reported on my credit file. No one from National Credit Systems ever responds to my dispute letters.
Company Response:
State: KY
Zip: 40504
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: National Credit System failed to contact me about the debt they have allegedly ascribed to my name. I never received a phone call, any mail, nor other written notice - I had no idea this existed. I am currently in the process of validating the debt after I discovered it via checking my own credit report independent of any formal notice from National Credit System.
Company Response:
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I lived at XXXX XXXX XXXX for 11 years from XXXX to XXXX paying rent as agreed. A portion of my rent ( 30 % ) was subsidized by XXXX XXXX XXXX XXXX XXXX ( section 8 ) who inspects the houses to make sure they are up to the Public Housing Agency ( PHA ) standards. After living here for 11 years and in order for me to continue living there, the ( PHA ) Housing Agent in charge of inspections requested that due to wear and tear, certain items needed replacement, a new carpet, new refrigerator and replacement of certain parts of the kitchen counter. XXXX XXXX XXXX administrator agreed to the replacements but then tried to charge me for the cost of these items. After many attempts for them to remove the charges, I seek legal aid and the resolution by the Judge was dismissal of all charges liberating me from the debt. After the judgement I did not renew the lease and moved out. Now that I am trying to rent or buy my own place, realized that XXXX XXXX filed an eviction complaint against me when I had already left the apartment per contract and on the date I was supposed to leave.This appears on my credit report as an eviction and as if I owe them for something I don't even know what it is. I believe this was in retaliation for the judgement in my favor. In the court documents attached please notice the date of the ruling from the judge in my favor is XX/XX/XXXX and the final judgment for possession is XX/XX/XXXX. I moved out XX/XX/XXXX.
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A