Date Received: 2017-04-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My old apartments claimed I owe more than they sould have when I moved out and sent me to collections for the false debt because I refused to set up payments for the wrong amount. After several months the aparments corrected their error, did not offer to set up payments and left me in collections. The collection agency posted the false amount on all XXXX credit major credit reporting agencies. The collection agent has all the documentation which clearly states what could and couldnt be charged but still reported the wrong amount. I called and could not get them to correct the issue and was even told to " Learn how to read my lease ''.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: NC
Zip: 27614
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-12
Issue: Incorrect information on credit report
Subissue: Account status
Consumer Complaint: NATIONAL CREDIT SYSTEM IS STILL REPORTING ON MY CREDIT REPORTS. I WAS NOT NOTIFIED OF THIS DEBT HOWEVER I PAID IT BECAUSE IT WAS ONLY {$140.00} AND THE REPRESENTATIVE PROMISED THAT IT WOULD BE DELETED FROM MY REPORTS IN 30 DAYS. WELL IT 'S BEEN A YEAR!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I rented an apartment at XXXX for several months. I provided a 60-Day Move Out Notice, paid all items ( rent, utilities, etc. ), got a zero-debt statement, and a refund check from landlord. Landlord 's manager XXXX signed a receipt.The apartment complex was XXXX ( managed by XXXX ) and currently is named " XXXX '' ( managed by XXXX ). However, Landlord has created a fake debt and sent it to collections agency NATIONAL CREDIT SYSTEMS whose representative XXXX ( XXXX ) has been harassing me for the last 3 months. XXXX said that her company had purchased my debt, tried to get me pay by phone, and threatened me with damaging my credit by informing the credit bureaus about this debt. I tried to speak with landlord, but it said they already " SOLD MY DEBT '' to the collections agency.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I was reviewing my credit report on XXXX web site, and I realized that I have a COLLECTION ACOUNT REPORT for {$2300.00} made for NATIONAL CREDIT SYSTEM This debt is not mine, and I made a dispute whith XXXX in order to delete the debt from my credit report, and I told the person who attended me that I received my SSN on the end of XXXX , and the charge was made on XXXX , therefore, I couldnt have done that expense, however, the DISPUTE RESULT that XXXX did, just was, to update the debt, but the debt still on my credit report, thats why I am asking you to help me out to resolve this issue.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2017-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: In the beginning of XXXX I reviewed a copy of my credit report and found that National Credit Systems was reporting information on my credit report that I was unaware of. On XXXX XXXX, 2016 I mailed them a letter requesting validation of both of the accounts they were reporting. They only responded to one of the accounts and the other account they sent a letter but were only trying to get me to pay something they refused to validate. They did n't reference the original creditor or their contact information either in their response. I specifically requested a copy of the signed contract along with a break down of the amounts they were stating I owed. I ca n't understand how or why I could owe anything especially 2 different amounts. I know I put a deposit down on the apartment complex they are claiming I owe for and they do n't show any records of that. Instead they show me owing a balance of {$1000.00} then a second fee of {$2100.00}.
Company Response: Company disputes the facts presented in the complaint
State: LA
Zip: 70817
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: XXXX ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX GA XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2017-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-10
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have a collection on my report for an apartment that i did not live in. The information reported is affecting my credit score negatively.I have never lived in this apartment. I contacted the agency, they have no record of me and its still on my credit report. I want the company to provide, my signed signature an documents for this apartment. If they can not provide me with this info, i want this removed from my credit report at XXXX, XXXX, and XXXX immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-10
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: My issue is with NATIONAL CREDIT SYSTEM # XXXX who had posted many errors on my credit report. at on point the showed I owned over XXXX dollars on my credit report a few months later they changed it to over XXXX than a few months later {$1400.00} and few months later they put paid in full. I have disputed this account many times with the credit companies and national credit systems verified the account even with errors. I have request for validation of the account 3 times there failed to send it to me or they 1 time sent paid in full letter. So I requested any documention they have showing me that I paid from XXXX to the XXXX balance they show on my credit report which they will not have since me and my wife never paid XXXX on this account from {$1400.00} to XXXX they just made errors. A this point I want this account off my and my wife 's report since this account was verified and failed to follow the legal system.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX XXXX XXXX IS REPORTING A DEBT THIS IS NOT MINE. THE ORIGINAL CREDITOR IS XXXX XXXX. I HAVE NEVER LIVED AT XXXX XXXX. ACCORDING TO COURT DOCUMENTS PERSON WHO LIVED THERE SOCIAL ENDED IN XXXX. NOT MY SOCIAL. THEY WERE EVICTED AND FILED BANKRUPTCY AND THIS IS PUBLIC RECORD. MY COUSIN AND I HAVE THE SAME EXACT FIRST MIDDLE AND LAST NAME. SO MY NAME IS VERY COMMON. THIS IS NOT MY DEBT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2017-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX refuses to remove negative information from my Credit. XXXX has been asked continuously in writing as well as verbally to verify the debt. XXXX can not provide me with the validation of the debt he is trying to collect. I have told XXXX repeatedly that I DO NOT want any business with his company nor have done any business with his company. I have asked for a wet signature contract with his company and he has not been able to provide one.
Company Response: Company disputes the facts presented in the complaint
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No