Date Received: 2023-09-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: We lived in an apartment for XXXX XXXX XXXX XXXX which apt name was XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX the complex was sold to XXXX XXXX XXXX. Because of Covid and the fact that DES unemployment had run out, we reached out to the City of XXXX for Emergency Rental Assistance. We moved out of the apt XX/XX/XXXX the date our lease expired. The new management was about to get paid for 3 months rent by City of XXXX but refused to renew our lease. On XXXX XXXX, XXXX the City of XXXX issued a check to XXXX for {$10000.00}. This was for past due rent up until the end of the lease. When we tried to rent a house in XXXX of this year, XXXX, to our surprise we were denied. XXXX XXXX XXXX had placed 2 eviction court judgements in our credit profile. I obtained check info and payment from City of XXXX and found that the XXXX XXXX had got paid. When I contacted them I was told that they had not received a check and that they had no doubt that the check went to XXXX XXXX XXXX. That was not the case. I contacted XXXX XXXX XXXX, spoke with XXXX XXXX and she told me to get a copy of the cashed check and send to her. City of XXXX is unable to give me that copy but they were able to send it to XXXX. XXXX XXXX lawyers were able to vacate and dismiss the judgements. Next thing I learned that now XXXX XXXX has put a derogatory note on my credit and my partner XXXX XXXX credit for non payment in the amount of a bit over $ XXXX. We did not sign a lease with XXXX and we owe them no money. I called the Collection agency and tried to explain this to them but they told me that XXXX XXXX and XXXX have merged and that no, no one has received the payment for rent in XXXX. They would not let me explain to them anymore and cut me off the phone. This has gone too far because the money has been paid. XXXX XXXX has it but they are not willing to inquire in their accounting ledgers. This has damaged us because I have been trying to resolve this issue for some time already and we are having to live with friends, relatives, sometimes hotels because we are unable to rent a home or apartment due to these errors.
Company Response:
State: AZ
Zip: 85035
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I received phone calls from National Credit Systems regarding a sole debt from XXXX XXXX apartments over 7 times within a 7 day period, in addition I received XXXX phone calls after I spoke with them regarding the debt and asked for validation. The phone calls were received on Missed call XXXX at XXXX cst Incoming call XXXX at XXXX cst Missed call XXXX at XXXX cst Incoming call XXXX at XXXX cst Incoming call XXXX at XXXX cst Missed call - XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Incoming call - XXXX cst Missed call - XX/XX/XXXX at XXXX cst, Missed call - XX/XX/XXXX at XXXX XXXX cst Incoming call - XX/XX/XXXX at XXXX cst Incoming call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX XXXX cst
Company Response:
State: IN
Zip: 46311
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX They are lying and saying I owe them money. I do not. They received 90 days notice that I was moving out. I moved out on XX/XX/XXXX. Rent was pro-rated until XX/XX/XXXX. They also have not returned my deposit of {$13000.00}. I never heard anything from them, and they submitted this fraudulent debt to a debt collection company. This company owe ME money, not the other way around. National Credit Systems , Inc . XXXX XXXX XXXX XXXX, GA XXXX These XXXX XXXX do not answer their emails, mail, or phone. They are trying to collect a fraudulent debt. I do NOT owe this money.
Company Response:
State: CO
Zip: 80631
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: NATIONAL CREDIT SYSTEM and XXXX XXXX is in violation of privacy act 1974, I didnt give NATIONAL CREDIT SYSTEM or XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to NATIONAL CREDIT SYSTEM and XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions. 15 U.S.C 6501-15 U.S.C 6505. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Company Response:
State: CA
Zip: 90222
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was renting an apartment thru XXXX and they are adding charges I don't owe. For extra maintenance fees and damage fees when there was no damage when I left the apartment and at time of eviction it wasn't the amount they're fraudulently trying to get from me
Company Response:
State: NE
Zip: 68105
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hi I have debts on my credit report that are not mines and Im not able to get me and my kids a place to live lost my housing and everytime I file my irs taxes I have to wait on a special PIN number I contacted them they told me to reach out to you guys
Company Response:
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Request for Deletion of Collection Account Pursuant to FCRA I am writing to bring to your attention a matter regarding a collection account that appears on my credit report. I have previously requested verification of this debt from the collection agency responsible, NATLCRSYS, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) ( 1 ). Despite my request, NATLCRSYS has failed to provide any verification of this debt or respond to my inquiries within the required time frame under the FCRA. As a result, I am formally requesting the immediate deletion of the collection account associated with Account # XXXX from my credit report. Under the FCRA, a collection agency is obligated to verify the accuracy of a debt when a consumer disputes it. Failure to do so within 30 days constitutes a violation of the FCRA. NATLCRSYS has not met this obligation, and as such, the collection account should be removed from my credit report. The details of the collection account in question are as follows : Collection Agency 's Name : NATLCRSYS Account XXXX Amount : {$3100.00} I am writing to express my serious concerns regarding the reporting of a debt on my credit report, which I believe has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) standards. This communication serves as my formal notice of intent to pursue legal action to address this matter.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This agency is reporting inaccurate information The balance is incorrect I do not owe this complex that amount XXXX XXXX ever there for XXXX months the lease clause state that if the lease is broken 2xthe rent will be accessed.Agreed rental amount XXXX per month. Incorrect reporting, Per consumer reporting act Inaccuracies must be corrected or removed If you have found inaccuracies and disputed them to the consumer reporting agency, they must either correct the inaccuracy or remove it within 30 days. Please remove from all bureaus Thank you
Company Response:
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Request for debt validation, contract with my signature with collection agency, proof of licensing to collect debt in the state of Florida sent Certified Mail. Collection Agencies sent a billing statement. No company listed in this complaint sent any validation and are not licensed to collect debt in the State of Florida
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A