Date Received: 2023-08-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX west asked for money judgement possession of unit XX/XX/21 in the amount of ( {$7900.00} ) I moved out XX/XX/21 due to infestation of mice left a XXXX balance. They allowed a squatter to move never told me. The Judge was made aware in XX/XX/21 gave possession of unit but did NOT grant money judgement. XXXX agency is aware. Case number is XXXX court phone number is XXXX l. This all took place during covid. I collected and share court documents with credit bureaus and collection agency. They still wont remove the {$19000.00} collection placed on my credit profile illegally. This has stopped me from buying a home. Caused me denial of credit and higher interest rates
Company Response:
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2023, I mailed XXXX XXXX XXXX XXXX XXXX an initial letter requesting full debt validation of the alleged debt in question via Certified Mail. XXXX XXXX XXXX XXXX XXXX received my initial letter on XX/XX/2023. After 30+ days, I did not receive a response from their office, so I mailed my second letter requesting full validation for the alleged debt in question again via XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX XXXX XXXX received my second letter on XX/XX/2023. After waiting for an additional 30+ days, XXXX XXXX XXXX XXXX XXXX failed to send their responses. As a consumer, it deeply concerns me that despite my written disputes and the absence of proper debt validation, XXXX XXXX XXXX XXXX XXXX has continued to report this alleged debt on my credit reports as of XX/XX/2023, which is a collection activity. This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. I do not know who XXXX XXXX XXXX XXXX XXXX is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt nor do I agree with this alleged debt on my reports as I never signed anything with such agency.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XXXX XXXX XXXX I requested that all 3 credit bureaus remove any inaccuracies on my report or remove the account. That information is still inaccurate on all 3 credit reports. The credit bureaus stated acct name & account # was properly investigated but how is that possible if the open date is inaccurate, last active date is also inaccurate & the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 section 604 A section 2. The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I havent given this account written permission to furnish this account on my credit report.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am wanting these inquiries to be deleted off my credit report because I did not authorize this company to run my credit.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A few years ago, I noticed a collection account on my credit report from National Credit Systems representing a lease from an apartment complex that was not paid. I recently addressed this with the collection agency and they requested proof that this account was not mine. I supplied them with a police report, a identity theft report, a notorized affidavit, as well as a lease agreement of the place I was actually staying at the time of the alleged lease which they requested. I supplied them with all the information they requested from me and still they come back saying that this account was mine. At this point they are violating my rights and hurting my ability to obtain credit which is illegal because this lease was a result of identity theft which they are reporting to XXXX.
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested a best validation and the information I requested was not provided.
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collection company which I have " NO Contract '' with is in violation of the FCRA. National Credit Systems , Inc have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists. If you can not provide any agreement between us from this day XX/XX/2023 forward, you agree to pay my fee of XXXX usd for contacting me without my written consent. I will also file harassment and identity theft charges. Please delete this account immediately from all three credit reporting agencies.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I recently reviewed my credit report and was deeply troubled to discover several items that are unverifiable, invalidated, and inaccurate. These discrepancies have caused me significant distress. Furthermore, it's important to note that these inaccuracies have already been removed from other credit bureaus ' reports, highlighting their inaccuracy. Under the Fair Credit Reporting Act, it's crucial that my credit report is 100 % accurate. However, I've identified violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) due to these inaccuracies. I urge your agency to rectify these issues promptly and ensure the accuracy of my credit report. Thank you.
Company Response:
State: MS
Zip: 38801
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX5 USC1681 section 604 a section 2 states Any 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 explained 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. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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 1681e 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. None of these accounts belong to me period.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: National Credit Systems is representing another third party company by the name of XXXX XXXX for a debt totaling {$1500.00} and National Credit Systems is also representing XXXX XXXX XXXX for a debt totaling {$3900.00}. I have wrote National Credit Systems as well as all three credit bureaus and advised them that this debt does not belong to me. This was fraudulently opened and I provided a police report as well as the Identity Theft report. XXXXXXXX XXXX is representing XXXX XXXX XXXX for a debt totaling {$1200.00}. This is not my debt. I never purchased insurance through XXXX nor any of it's affiliates. XXXX XXXX XXXX is representing XXXX for a debt totaling {$850.00}. This is not my debt. This account was fraudulently opened in my name. XXXX XXXX XXXX is representing XXXX XXXX for a debt totaling {$6700.00}. I have reached out to this company several times. I never signed an in person lease. I was residing in another state when this apartment was fraudulently leased under my name, I filed a police report. I reached out to the company and the person that allowed a fraudulent lease take place refuse to accept responsibility. I never met with anyone in there office or any other location to sign a lease. XXXX XXXX is representing XXXX XXXX for a debt totaling {$140.00}. This debt was paid off back in 2017. All these collection accounts need to be removed from my credit report with no attempt to collect a debt from me.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A