Date Received: 2024-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX - XXXX. XXXX5 USC 1681 Section 602A, states I have a right to privacy. 15 USC 1681 Section 602A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 ( a ) ( 5 ) Section 2, states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which outdates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I sumbitted a CFPB complaint regarding the accuracy of the reporting of the following account for NATLCRSYS XXXXXXXX and to my dismay they verified the reporting saying it meets FCRA requirements. However according to FRCA - The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). I have attached a screenshot of the reporting for the NATLCRSYS XXXXXXXX and you will see there are major inaccuracies in the reporting Date Opened, Date, Reported, Account Status, as well as the original creditor and account closed date.
Company Response:
State: IN
Zip: 46311
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' On XX/XX/XXXX nationion credit systems negatively affected my credit when they post an account in collections beginning in XXXX for the amount of XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX beginning in XXXX negatively affected my credit when they posted an account in collection that I have no knowledge of I have repeatedly disputed this as this was XXXX I have never had and account with XXXX XXXX XXXX as they claim I have never even heard of this company On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX posted and collection on my report that has negatively affected my credit in the amount of {$630.00} beginning XXXX On XX/XX/XXXX XXXX XXXX XXXX posted and account negatively affected my credit report in the amount of {$130.00} beginning in XXXX this account was canceled and written of for profit and should not be on my credit report 15 U.S. Code 16810 - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not fumish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ) the information is, in fact, inaccurate. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. Those are a few violations of the Fair Credit Reporting Act that you can use in your complaint against not only the reporting agencies but the furnisher of that information to them. Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( ili ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX RE : INVESTIGATION REQUEST LETTER TO WHOM IT MAY CONCERN : Received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Not saying they are reporting right or wrong. Just saying that I am not 100 percent sure rights to challenge anything, I am not sure is accurate. Some of the people reporting things on me, I have never heard of, made me write to you all. Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? Heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted- if they are not 100 percent correct. So, could you please check on these and get back with me? Saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not, correct them. Would like these accounts removed from my credit report immediately or will have to file lawsuit against the following companies etc. : XXXX, XXXX, XXXX, following companies who keeps violated me of my privacy. In accordance with Fair Credit Reporting, everything must be 100 % accurate on my credit report. The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX XXXX Closed Balance : {$8500.00} Reported : XX/XX/XXXX, to current on my credit report with inaccurate information stating delinquent payments under the Fair Credit Reporting Act : 15 U.S.C Sec. 1681 ( A ) Please Investigate if every piece of information is correct. If not, please remove it from my credit report immediately. XXXX XXXX XXXX are reporting that this account is late for over XXXX through XX/XX/XXXX delinquent payments on Repossession/ Foreclosure. 7 years of Negatively Reporting of delinquent payments in XX/XX/XXXX of Fraudulent Credit History. Unable to purchase an auto loan without paying 27 % percent interest on a loan. This falls under 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission and written instructions. Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Closed Balance : {$640.00} Reported : XX/XX/XXXX ( 45 months ) late on my credit report ( CC ) Please Investigate if every piece of information is correct. If not, please remove it from my credit report. XXXX XXXX XXXX are reporting that this account is late for over XXXX through XX/XX/XXXX delinquent payments on ( 75 months of delinquent payments ) 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. National Credit System Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX, GA XXXX XXXX Closed Account : XX/XX/XXXX Reporting : XX/XX/XXXX through XX/XX/XXXX delinquent payments and of as ( 7 ) months of delinquent payments etc. XXXX, XXXX, XXXX has been reporting payments late in the amount of {$10000.00}. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX XXXX Closed Account : Charge-Off Reporting Collection : XX/XX/XXXX delinquent payments and hurting my credit, Please Investigate if every piece of information is correct. If not, please remove it from my credit report. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. XXXX XXXX XXXX # XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX CLOSED ACCOUNT : CHARGE OFF REPORTING COLLECTION : XX/XX/XXXX thru XX/XX/XXXX Charge -Off Negativity Data hurting my FICO Scores and under the is in violation. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. The US Dept of Education transferred to another Lender without my written consent. Account Number : XXXX Open : XX/XX/XXXX Date Reporting : XXXX to XX/XX/XXXX ( Negativity Reporting ) Balance : {$1300.00} on my credit reporting is stating outstanding balance of {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. XXXX Account Number : XXXX Balance : {$680.00} Date Reporting : XX/XX/XXXX thru XX/XX/XXXX Reporting Collection with outstanding late reporting etc. Negativity Data hurting my FICO Scores and under the is in violation. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. XXXX XXXX XXXX-Transfer to Another Lender Account Number : XXXX Balance : {$610.00} XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX Duplicate Account- Reporting Collections/Charge-Off Negativity Data hurting my FICO Scores and under the is in violation. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. Transfer to another lender without my written consent and under the 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX In accordance with Fair Credit Reporting, everything must be 100 % accurate on my credit report. The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. Please Investigate if every piece of information is correct. If not, please remove it from my credit report. XXXX XXXX XXXX from another lenders Account Number : XXXX Open Account : XX/XX/XXXX Reporting : XX/XX/XXXX thru XXXX Reporting Negativity Collections Outstanding Balance : {$340.00} ( Fraudulent Data ) 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. Please Investigate if every piece of information is correct. If not, please remove it from my credit report. Results : Theses accounts are hurting my credit and with inaccurate information for my family where we can not purchase a car or home due to negatively reporting on my credit report. Attached is a copy of my report with the accounts in question circled. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX cc : XXXX XXXX XXXX, Attorney General of Washington XXXX DC XXXX Consumer Financial Protection Bureau
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: National Credit Systems has violated my consumer protection rights by reporting this alleged debt to XXXX without properly validated or verifying this debt to be mine. Furthermore National Credit Systems was not a party to any agreement with me which would constitute me to repay them. Since my instrument which is the contract arranged this credit sell it is impossible for me to be indebted to anyone while also being a holder in due course. If National Credit Systems has acquired any property of mine through transfer without negotiation it is fraud and they are now liable. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
Company Response:
State: MI
Zip: 49519
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX I filed a dispute with my credit card company for the amount charged by the creditor because I was not hearing back from them once I paid. I was concerned this was a fraudulent company. The creditor, XXXX, never responded to my calls or my credit card company calls. My credit card company, XXXX XXXX, resolved the dispute in my favor. XX/XX/XXXX I emailed National Credit Systems, after speaking with XXXX XXXX, the proof of the credit card company dispute XX/XX/XXXX XXXX XXXX from XXXX emailed me with a screenshot and confirmation I was being taken off of their collections list. I spoke with XXXX XXXX about this proof of collections XX/XX/XXXX National credit systems still sent this collection to the credit bureau
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft as my information is being used to apply for unsolicited loans and applications online. My ex wife removed my name from the lease document during my hospitalization for XXXX in XX/XX/2019. The lease officially ends XXXX XX/XX/2019 as well and she was going month to month with the apartment office on the payment. To my surprise it was reported on my credit report that I owe a balance of {$3800.00}, meanwhile I was not even on the lease. The lease ended XXXX XXXX and the details of charges on the document I received from the collection agency includes charges of {$1700.00} for early termination of lease. The court eviction order does not even include my name on the order because I was no longer on the lease. In good faith, I have been making some payments towards this outrageous debt, but the account is not reflecting these payments. Theres a lot of foul play going on with National Credit system collection agency. I have reached out to resolve the matter but they are being uncooperative and insisting that I have to make the full payment even when I am not on the lease, my name was removed from it and the lease term already elapsed, but they are still charging an early termination fee. It is just ridiculous!
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed this morning that my XXXX XXXX dropped XXXX points so I pulled up my credit report and it says I owe {$16000.00} in collections for Palm Breeze Apartments. The credit company is called XXXX XXXX XXXX. This was not me and was the result of identity theft. I contacted the XXXX XXXX XXXX but they have not returned my phone call. It says the amount is in collections. I also have addresses attached to my credit report that are not mine.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I disputed a debt with National Credit Systems through the credit bureau for {$4000.00} which was opened back on XX/XX/18 due to the fact that I never signed or had any agreement with NCS nor was there any information provided that my information would be shared or sold to them for collection. I never gave consent to this written or verbally. I requested to see this information and none has been provided.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against National Credit Systems , Inc. for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until National Credit Systems , Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and National Credit Systems , Inc., continues its collection efforts, I will file for litigation for actual damages caused and National Credit Systems , Inc. shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC XXXX and XXXX Act. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A