Date Received: 2023-08-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have been contacted by National Credit Systems ( NCS ) a company headquartered in the state of Georgia. I have made an attempt thru direct dispute with the furnisher sending certified and marked correspondence on XX/XX/2023, with the company supposedly to validate the alleged debt and to see if they are a recognized company. I have not received anything from the proposed original creditor which is listed as XXXX XXXX XXXX. I have been threatened that I may be sued and if sued then my accounts will be garnished without my authority. I have sent the company notice that I am not going to pay the alleged debt to them since they have ignored my validation requests. I have asked the Credit bureaus to investigate however they have told me that I am not going to get any information directly. rather only that NCS has validated the debt with them. When I asked for additional information on the verification, I was told that I would have to supeaona each credit reporting agency just to get the process of how NCS is validating and verifying this debt. The date it was added to my consumer profile is incorrect as well it states XXXX, but it did not pop up until XXXX timeframe which didn't allow me my 30 days to respond. Once I saw the account, I immediately sent a cease-and-desist letter to NCS. However, they have continued to violate my privacy and report this erroneous information onto my account. I did not give any organization a right to add any info onto my report nor was i offered a opt out to my transactions and experiences. My consumer rights have been violated and my right to privacy abused.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-08-22
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: Someone stole my identity and used it to rent a apartment at the XXXX at the XXXX in XXXX Kentucky between XX/XX/XXXX and XX/XX/XXXX. I found out recently that XXXX XXXX XXXX had placed a collection on my credit report for all three credit bureaus in the amount of {$4200.00} for a rental property that Ive never resided at. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX. However I have never lived at this address and Ive made several attempts to have a letter of validation mailed to me showing where I had signed a lease for XXXX XXXXXXXX XXXX XXXX XXXX ever. XXXX XXXX XXXX refuses to validate the account belongs to me. Ive also submitted letters to all three XXXX, XXXX and XXXX asking them to validate the account belonged to me. XXXX deleted the account. However XXXX and XXXX stated that since XXXX at XXXX XXXX XXXX stated it was my account with No documentation that it was verified based on his word. Both XXXX and XXXX have also failed to send me a letter validating the account belongs to me. I would like this account removed immediately due to no one sending me a letter of validation 60 days later.
Company Response:
State: KY
Zip: 427XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: After being evicted in XX/XX/2023 for not being able to pay rent I relocated and tried reaching out to my landlord before being evicted and he spoken to a judge further about a resolution but never received a response and was ignored until later, my grandpa receiving my mail to his address in a different state. To which it was a letter from the national credit systems , inc XXXX XXXX XXXX XXXX, ga XXXX stating they are trying to collect a debt owed to XXXX XXXX XXXX totaling, XXXX Stating to call them by XX/XX/XXXX of 2023 to dispute this matter when I hadnt heard anything about owing anyone since being evicted XXXX. Stating they will provide other agencies my information and to have my credit impacted.
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This Account : 1.NATIONAL CREDIT SYSTEM. This agency is in VIOLATION of 15USC 1692g. You ( NATIONAL CREDIT SYSTEMS ), were to notify me of this in WRITING 5 days prior, I was not. As the original creditor, only I can validate This debt. Therefore, the following Accounts must be deleted from my credit reports. FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNT, will RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST your company, for which I'll be SEEKING {$1000.00} per VIOLATION FOR : 1. DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT of IDENTITY FRAUD 3. FAIR CREDIT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS 4. FAIR CREDIT REPORTING 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOPLIANCE- 616. CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE [ 15 U.S.C 1681n ]
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Iam not liable for the {$12000.00} debt with XXXX XXXX XXXX. I do not have a contract with National Credit Systems they did not provide me with the original contract as requested
Company Response:
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
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: Disputed unauthorized accounts with National Credit Systems and XXXX XXXX XXXX in XX/XX/2023 and XX/XX/2023. They are both publishing unauthorized accounts on my report without providing proper validation as mandated by the FCRA and FDCPA. As of today, they have purposely failed to provide : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and XXXX XXXX XXXX with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. 6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.
Company Response:
State: AL
Zip: 36301
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a bill after moving out of XXXX XXXX XXXX XXXX XXXX XXXX. I called them about the bill because I thought it was erroneous. I cleaned up very well, took pictures and video. But the bill was for cleaning and broken toliet seat that the complex maintenance man broken when he came over to remove them. They were also charging me for bills dated in XXXX when I moved out in XXXX. I asked them to send me a detailed break down of the bills and why I own them but that was never recieved. I then received a collection and derogatory report on my credit. The bill is for {$380.00} which I do not owe.
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent the ocmpany a debt valdiation letter to verfiy the debt that they claim I owed and requested they stop the collection process. I sent the request certified. Amonth later Im still seing this debt on my credit report as it seems they have not ceased collection attempts
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: My situation is, Its hard for me to find a place to live for me and my XXXX girls. Simply because my credit report states that I owe XXXX XXXX Apartments {$3500.00}. The primary reason I decided to leave the property was because they kept giving me the run around about giving my ac. My daughters couldnt even stay with me because it was always XXXX. Plus we lived upstairs. XXXX also was a reason I couldnt pay rent. It was 2020. After Covid I had to figure out what to do because I was no longer at my job DUE to XXXX. plus they didnt wan na fix my AC so i when I told them I wanted out the lease they werent hearing it. Unfortunately I dont have any documents to prove any of this. I wasnt wise enough then I know better now. Now its hard to find a place because its on my credit report. Please help XXXX : XXXX XXXX XXXX
Company Response:
State: GA
Zip: 31602
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
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 informed XXXX, XXXX, XXXX as well as debt collection agencies XXXX XXXX XXXX, National Credit Systems, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , and XXXX XXXX that Pursuant to 18 USC 8 I owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. The company has no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX deleted those inaccuracies from my credit report but XXXX have illegally verified debts that does not belong to me. XXXX hasnt deleted those collections either. My rights are being violated and I dont have access to my right to credit.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A