Date Received: 2018-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never lived in XXXX XXXX or whatever the company name is. The collection company have no information of me aside my current mailing address, which I provided. They never verified the account is mine, nor have my Social security and the account is not mine. They said they need my info to file for the credit bureau but they can't verify it's mine or confirm it. Please tell them to remove it from my report and stop collecting money from me.
Company Response:
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX XX/XX/2017 I received a letter from a company called National Credit Systems. They are stating that I owe {$2000.00} for a previous apartment I lived in XX/XX/XXXX, XXXX XXXX Apartments. The letter states that they have reported to all credit reporting agencies damaging my credit for these false charges. The statement does not include what these charges are for. I contact them on XX/XX/2017 and speak to a very rude representative who tell me that that these charges are for a month to month fee. This can not be accurate. I lived in the apartments until XX/XX/2017. My lease was over the end of XX/XX/2017. I provided a 60 day notice. Notice was turned in XX/XX/2017. I moved out of XXXX XXXX and did not ask for my security deposit back which they decided to keep. I provided a forwarding address and over a year later I get this bogus letter from this company. The rep with the collection company states that these charges are for XX/XX/2017. I was not there and I would not owe over {$1000.00} for anything. My last rent check was made on XX/XX/XXXX prior to my lease ending the end of XX/XX/XXXX. They rep also stated that she would provide me copies of this information and I could also look at the charges broken out online which was also false. I could not see any break down of what was owed or why. I want to know what is going on and why these is on my credit. It needs to be removed. I contacted XXXX XXXX Apartments and they stated that the do not show any of this information as they are no longer with the management company who managed during that time. I then called the management company, XXXX XXXX XXXX who managed during that time, and when speaking to them they were not sure what these charges were for. I believe this company is using false information to guilt people into paying balances that are not truly theirs. I will take legal action if necessary until theses charges are taken off of my credit report. I need proof of this so-called debt.
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-22
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: I have disputed negative information on my credit report from National Credit System 's Account number XXXX with XXXX several times under the FCRA. I have also sent supporting documentation from the XXXX County Magistrate showing where this debt was not valid. I have submitted copies of the ruling from the judge to XXXX on three separate occasions via certified mail. I am requesting that XXXX to delete this negative information ASAP per the fair credit reporting act. I have already filed a complaint with the State of Georgia Attorney General. If this information is not deleted under the FCRA, I will have no choice but to provide all supporting documentation to my attorney and proceed with taking legal action based off XXXX clearly ignoring federal law.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2018-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-20
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX The Unfair or Deceptive Business Practices of XXXX XXXX XXXX, to Extort or Solicate Monies in the Violations of my Civil ( XXXX ) Rights, in the needs for a Made Cause of Public Corruption, the Continuing Escalating Concerns of Personal Harms and Domestic Finance with No Recoveries of Monies or Compensations for a Living Standard.
Company Response:
State: TX
Zip: 75701
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have never received any information about final bill when I call they have no records of my information to prove that I owe.
Company Response:
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Sent debt validation letter out on XX/XX/2018 there was no response that was addressed to me sent to my home. I have called and each representative hangs up the phone in my face. I was told that they sent a response to my debt validation to someone else that could have showed me their mail. They had over 30 days to respond to me in which they did not. They added this account to my credit files once I tried to validate this debt.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, thank you for being a resource to help. I have been trying to get this debt removed from my credit reports. I have contacted the collection agency and they have not been helpful, I explained this is not my debt. I contacted the credit bureaus ( all 3 ) and each time I challenge the debt the collection agency removes it ( too skirt the FCRA ) and then place it back on days later. They have done this at least eight times. Probably more.
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2018-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: National Credit Systems is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been disputing an account with XXXX XXXX for over three months. When I call they say that they have sent information to XXXX to stop reporting. I have found that as of XX/XX/XXXX, the identity theft accounts are still reporting. I have also disputed the account with National Credit Systems. They asked that I submit an Identity Theft Affidavit, which I have three times and they send me a notice saying they have not received the affidavit. I even sent it as an attachment to my last XXXX complaint. When I called they said to send the forms that they request, but they would send those forms to me in the mail. When the mail arrived, it was the same FTC affidavit documents that I already submitted. I am to the point of contacting an attorney because they have hurt me so-much-so that I have been denied for credit with XXXX. XXXX has listed both of these companies as the reason for me being denied. THESE ARE FRAUDULENT ACCOUNTS.
Company Response:
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit Systems is reporting an inaccurate negative account on my credit profile despite me never legally having a contract with the company. The invalid claim was used as a scare tactic to coerce me into paying a portion of a debt owed by a former roommate after move out. The roommate was originally set a letter from this company requesting payment. The original letter was not addressed to me and did not reference me or any balance I owed. I was contacted by the company over the phone after they failed to collect money from my former roommate and was coerced into paying half the debt after being told they would take negative action on my credit profile. After discussing the situation with legal aid I contested the charge with my credit card company and informed National Credit Systems they would have to collect the money from the roommate directly as the debt was not mine. The company then reported the full balance of the debt against me and threatened legal action if I did not reverse the disputed charge so they could collect the money. After fear of further repercussion I reversed the dispute and allowed the company to keep the money charged to me. Requests to have the company remove the reports since then have been rejected despite me never originally being responsible for the full debt owed. I have disputed the claims on all three credit bureaus in hopes of having the reports officially removed from my profiles.
Company Response:
State: CA
Zip: 90603
Submitted Via: Web
Date Sent: 2018-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A