Date Received: 2018-11-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted National Credit Systems to verify a debt. They have not given me any information on this debt. While I did stay at XXXX XXXX XXXX, under MO law the landlord has 30 days to send you an itemize report of deductions and damages ( Missouri Annotated Statutes XXXX ). This was not done and the credit agency can not furnish any information in regards to the damages and cost.
Company Response:
State: MO
Zip: 64050
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-29
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: XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. NATIONAL CREDIT SYST Account NumberXXXX Collection Account
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a notification on my credit report saying i owe national credit systems for a debt to XXXX XXXX XXXX I called about it and spoke to someone named XXXX and she said they sent out notification on XXXX XXXX that I owe {$930.00} for rent and other fees for my apartment I am on housing and my rent is paid thru them and the time the apartment was still in my name and mine until XX/XX/2018 I called and talked to the manager of XXXX XXXX XXXX her name is XXXX she looked at her ledger while I was on the phone and confirmed I owed no debt to them I filed a dispute on line with national credit systems and checked back weekly only for her to keep saying call back next week repeatedly called XXXX XXXX XXXX left messages with the secretary XXXX and voicemails asking to be called back and i never received a call I been trying to get this straight since XXXX and now I'm at risk for losing my housing because of a debt that I never had notification of and all my mail was forwarded to my new address
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Number # XXXX Company Name # NATIONAL CREDIT SYST
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Spoke with XXXX XXXX from National Credit Systems in XXXX Ga, several times regarding my collection account. She notified me of the amount that was owed. In addition, explained I could pay as low as $ XXXX/ month, to prevent my account being reported to the credit bureaus. I asked repeatedly what all necessary steps I must take to get this account situated without being reported. She explained as long as I make the monthly payments, and call her to verify the transaction approval ; my account would be satisfied. I asked if it would be okay to pay the account online with my credit card. XXXX confirmed that method of payment would be sufficient. I agreed to pay $ XXXX/month, and received verbal confirmation from XXXX. As I continued to make the payments in XXXX, XXXX, and XXXX. I was notified that the account was still reported to the credit bureaus in XXXX due to neglect to make on-time payments. I contacted XXXX directly to dispute the concern ; I explained to her that I received a mailing notification that my account was reported even though she stated several times it would not due to my on-time payments. She placed me on a brief hold to research the account. Shortly, another woman picked up, and explain XXXX was with another customer and she would be handling my concerns going forward. I explained to her my situation. She confirmed that XXXX provided me with false information. I needed to setup re-occurring payments through my banking account, and paying online with a credit card was not a qualified method of payment. I asked could this be disputed due to negligence on National Credit Systems representative providing me false information. She explained that they could not dispute the charges despite I made on-time payments, but was giving false information of the method of payment. I asked to speak to a manger/ or supervisor. Once I spoke to the supervisor, I explained my situation. Once again, I was told they could not dispute my case. In addition, the supervisor said my $ XXXX/ month was too low of a monthly payment. I explained to her that XXXX told me I could pay as low as $ XXXX/month. She continued with saying I needed to pay the amount in full over the phone that moment to have the situation handled. I explained to her that it was unfair that my account was reported even though I made on time payments, but have to suffer due to her representative providing me with misleading information. I made on-time payments, and I was never told I had to specifically setup reoccurring payments with my banking to prevent my account being reported I was told that all calls were recorded for quality assurance, and legal purposes. I asked to receive a copy of the recordings, to have proof that I was giving false information from my account representative, therefore I could dispute the case on my own. The supervisor explained, that the recordings were property of National Credit Systems, and she would not release them to me. I explained if I could not receive the recording, that I may have to take legal actions ; due to Misrepresentation, Misleading Information, and/or Fraud.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This is regarding an item included in move-out charges from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX when I vacated the property on XX/XX/2015. Item in question is a charge for changing the carpet. When I left the apartment, the carpets in all rooms were in a normal condition without any visible damage. I lived in the apartment for one year and there was minimal usage. I contested the charge with XXXX XXXX and asked them to prove the damage in the court. Instead of contacting me, they hired a collection agency " National Credit Systems , Inc., XXXX. XXXX XXXX, XXXX, GA XXXX '' and reported disputed transaction to all three major credit bureau. I noticed this when my credit report was pulled for a loan. I feel that reporting a disputed transaction to the credit bureaus is against the rules of the Fair Credit Reporting Act ( FCRA ).
Company Response:
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2018-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I submitted a settlement offer to the company with terms as a contract that stated if they accepted and cash the check that was enclosed with the offer they would remove the negative item form both my husband and my credit reports with all three reporting agencies. The offer was accepted and the check has been cashed and the account has been paid but it is still showing negative on my husbands credit report. I sent the contract to them and it was dated for XX/XX/2018 with check enclosed for the amount of {$27.00} that was cashed on XX/XX/2018..
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In XX/XX/XXXX, received letter stating I owed XXXX to XXXX apts. the accuracy of this debt is false and fraudalent. stated I moved in XX/XX/XXXX and have new lease that I moved in XX/XX/XXXX. I have all my receipts that do not total what is stated I owe. the receipts state a zero balance. there is a document with my signature that is forged by someone trying to sign like me. I have a voice recording of my speaking with the landlord and she can not give me an accurate date on when and why this debt is owed. I was on section8 housing assistance and have letters that the manager states i do not owe this debt. National credit systems have attached my credit report with this negative and false reporting that is hurting my credit. they are aware this debt is false but continued to place it on my report regardless.the landlady told the police officer I had involved in this matter that I owed in XX/XX/XXXX but stated to me it was because i moved out in XXXX XXXX she is inconsistant on the dates to which this debt is owed. i was not aware of this matter until 6 months after i had in fact left those apartments. the landlady never contacted me in this matter and i feel this is wrong. XXXX XXXX, the landlady falsified the name of the apartments : she placed in collections under XXXX apts but the building is XXXX management inc. she is attempting to extort money that i do not owe. have made several attempts by sending in all my receipts showing a zero balance but still reported as negative debt
Company Response:
State: TN
Zip: 382XX
Submitted Via: Web
Date Sent: 2018-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The creditor is reporting incorrect information on my credit file. The credit bureau has a copy of the correct information but repeatedly refuses to update the correct information because I am a XXXX.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2018-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A