Date Received: 2017-01-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This account is not mine, belongs to Corporate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64055
Submitted Via: Web
Date Sent: 2017-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I was a victim of identity theft and noticed a collection from NATIONAL CREDIT SYSTEM I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NATIONAL CREDIT SYSTEM in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78521
Submitted Via: Web
Date Sent: 2017-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I agreed to move into an apartment complex but a week in it became clear they were infested with bugs. So the apartment manager told me that I could move out and get my deposit. They gave me back the deposit but 2 years later there 's a charge for around {$3500.00} on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80204
Submitted Via: Web
Date Sent: 2017-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$830.00}. The apartment company attempted to collect money of which I do not owe, never presented me with a full break sheet showing me why i owe the amount.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2017-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: My old landlord is trying to come after me over a debt I do n't owe they sent me papers with my exs name on them and he was listed as a tenet I no longer have them papers but did take pics of them and of the parts that show only his name listed as a tenet and the letter being addressed to him when this debt occurred I was no longer living in the apartment and they told me I was takin off the lease I want this debt removed from my report because I do not owe it and have prof I was living else where when the debt occurred I told them that but no one ever got back to me on it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29532
Submitted Via: Web
Date Sent: 2017-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureaus and affecting me negatively.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2017-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$500.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2017-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-04
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I am a victim of identity fraud and my information was misused to get several accounts including this one account with XXXX XXXX. I sent over numerous documentation stating that this is n't my account and they still are reporting this as my debt and they 've hired a collection agency to attempt to collect a debt that is n't mine. I have even told them to send over proof. They have sent over a contract from an attorney, that shows forged signature and will not put me in contact with the representative that witnessed this signature. This is n't my fraudulent account and this company still has n't tried to look into this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2017-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-30
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: On XXXX,2016 I received correspondence from this company stating a debt was owed. The letter is dated XXXX/XXXX/2016. The letter states it is attempting to collect a debt on behalf of XXXX XXXX but does n't list the reason. Ex : unpaid rent, cleaning fees..etc there is no reason of debt listed. My rights have been violated in more ways than XXXX and I will be escalating to the XXXX and XXXX! For XXXX, FDCPA states you have 30 days from RECEIPT of the letter of such debt to dispute! The attached notice will show they sent the letter to an old address meaning it was forwarded. The letter itself is dated/mailed XXXX/XXXX/16 I was given less than 30 days to dispute or validate said debt. I was never given a final bill or breakdown as to the cause of this debt. On XXXX/XXXX/16 I sent an email stating I had no knowledge of this debt but if it could be verified I would be willing to set up a payment plan on reference to not having it placed on my report per the letter they sent me stating this as an option. However today I woke up and found that instead of a response to my email or allowing the allotted 30 days from contact to dispute they went ahead and placed this on my report anyways. I will be contacting an attorney if this is n't settled correctly. This is clear violation of rights! I have attached their letter, my email and my credit report reflecting the negative acct.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2016-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-29
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: Actually, talked to me about someone else 's debt. By calling me trying to collect someone else 's debt, and then telling me their company name, they revealed to me that the person they named owes a debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No