Date Received: 2023-09-10
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: Falsely Reported on Credit Buros for over 4 years, damaging our credit records & causing us harms since been denied place to rent, live, having to paid pretty much over 50 % of our income at locals Hotel since we move from XXXX to XXXX XXXX on a New Job trends. We paid our rent on time, every month, on vacating date a review the premisses an release us conforming site rules and regulations without any additional charges with the promise of forwarding the initial deposit to our new address, ( We got a copy of that Doc & Deposit Cashier Check copy ) We didn't received the deposit instead we received a charge for {$530.00} We have disagree with the new charges and a dispute all these years along it. We might provide throug all places lived before a Clean Renters Records, this company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, through deb collectors National Credit System Inc, have placed us in a very bad situation since reported credit buros because we have been denied a place to rent and live due this situation, we have been living in a hotel room for over a month so far, our belongins in a XXXX storage pending on clearing this situation.
Company Response:
State: OH
Zip: 43551
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I reported in XXXX of identity theft someone has been using my name to put apartments and other items in my name I reported in XXXX to the police department of fraud Ive never stayed at this apartment complex my only apartment is the 1 I have now I didnt inderstand what the debt collectors was saying I thought I was going to jail if I didnt pay off the debt not knowing whose debt it is its not right to charge someone something thats not theirs I would like for this debt to be deleted off my credit immediately {$3600.00} debt date XX/XX/XXXX
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I checked my credit report and saw a collections from national credit systems and didnt know what that was saying I lived in a apartment in Arizona and owed XXXX. I never lived in Arizona I have lived in XXXX and Wisconsin my whole life so I called to straighten things out there were getting aggressive telling me I did stay there and Im telling her like maam i have never moved that far before. Shes telling me they have proof I asked to see it and nothing.
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am reaching out for what I believe is an invalid debt on my credit report since the court hasn't authorized the debt as valid yet. This eviction was filed last XX/XX/2022 and we're still waiting on the court hearing date. Therefore, it is still an open case. Additionally, this was garnered by a habitability issue and I best believe that the case will go in my favor. Please see attached files that support my side. However, I do understand that the case is still open and the outcome has not been determined yet. I have reached out multiple times to XXXX, XXXX XXXX XXXX but they wouldn't consider. I have not receive a response from the National Credit System. How were they able to determine that the " Collection '' should be on my credit report when the Eviction case is still ongoing, we don't have a hearing date yet and no judge has ruled or decided on who should be responsible for the said collection. The apartment has inhabitable for months. I have submitted a counterclaim on XXXX XXXX that they actually owe me since I was not able to stay in the apartment that I was renting out because it was inhabitable due to raw sewage seeping through the ceiling. I had to pay for hotel stays, etc. for me to be able to stay in a safe and comfortable place. I just dont believe its fair that it is already reflected in my credit report, affecting my credit score when the case is still open and we dont even have a hearing date.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I believe that my information is being misused and reported as inaccurate and I am filing this complaint to NATIONAL CREDIT SYSTEM. In my credit report from XX/XX/2023, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Started : XXXX XXXX Today : Date : XX/XX/XXXXXXXX Re : XXXX XXXX ( SS # ) My name is XXXX XXXX. I currently receive mail at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In XXXX I moved to XXXX Ga for 5 years. National Credit Systems has a outstanding balance of {$5200.00} with XXXX at XXXX. I am listed as a guarantor for XXXX XXXX. I spoke with XXXX XXXX XXXX after my application was denied for a rental property ( XX/XX/XXXXXXXX ) due to this debt., XXXX XXXX XXXX she did not use my Identification to obtain residency at the XXXX on XXXX. XXXX claims she used her mom XXXX XXXX information to obtain residency. I have also contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX with National Credit Systems concerning this balance. I asked XXXX ( ext XXXX ) for more information or seek a settlement for the debtor ( XX/XX/XXXX ). XXXX claims she reached out to the debtor. XXXX is the company in charge of XXXX on XXXX. I contacted XXXX on XXXX Account recovery manager XXXX @ XXXX XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX ( XXXX ) returned my call. XXXX XXXX ( account recovery manager ) states XXXX does not have any collection on my name or records. I reached out to XXXX a 3rd time and she stated that XXXX contacted them via email confirming they don't hold any debts pertaining to my name. XXXX claims she is reaching out to the debtor to resolve my concerns ( would get back with me its been over 3 months ). However, XXXX ext XXXX has not returned my call concerning moving forward with information from the debtor. XXXX has not succeeded in helping me move forward, XXXX will not give me any information who hold the outstanding housing debt account, or who she reaching out to help resolve my concerns. I need help getting this resolved. I have tried to dispute this outstanding housing debt to establish residency for my family. We are currently homeless. Please help! I have explained my concerns to XXXX XXXX with National Credit Systems at Ext XXXX, however she has not been helpful at ALL! Today XXXX XXXX, XXXX, I called XXXX XXXX XXXX to see if she has heard back from the debtor and she says that she can not release me any information but will contact me soon as she does. One hour later XXXX calls me back and says she called back by accident. This is very upsetting because my lively hood is being held in the balance while XXXX XXXX seems to enjoy keeping me in XXXX, only demanding {$5200.00}. I asked XXXX if I can make a payment of {$50.00} until in can get This case in a court room to clear my name ) she replied thats such a small amount on such an outstanding debt! She will not accept a payment or an arrangement under {$3000.00}.
Company Response:
State: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never live at this apartment complex. Someone has been using my identity with apartment complex as well as medical billings. I did contact the property they referred me only to the collection agency. I spoke with collection agency and they could not provide me with the information also asked to send me proof of debt and identity theft information not received. however, the collection agency did inform me to submit the identity theft and to report back to them.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: The use of the wrong address on my report as well as fraudulent accounts reported on my report
Company Response:
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me significantly as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Starting on XX/XX/XXXX around XXXX is when they started calling me, and I've told them if they don't want to provide the information I requested then I would not be cooperating with them until said information was provided. The calls slowed, but now they have gotten more aggressive calling twice a day nearly once a week and constantly using new phone numbers to get around my blocking to fill up my inbox with numerous voice-mails of the same thing over and over again. It's been 4 months now and they refuse to cooperate or stop harassing me. It's extremely ridiculous to the point where I've contemplated paying the money to change my phone number. I am including a screenshot of the calls from just the last few weeks to show their constant calling and voice messages.
Company Response:
State: NC
Zip: 28092
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A