Date Received: 2023-07-14
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.
Company Response:
State: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The debt collector did not conduct an appropriate investigation when I disputed the debt. The invoice for carpet replacement precedes my tenancy in the apartment in question by XXXX years ( as indicated on my lease, which the company has ). The invoice is from XX/XX/XXXX and I resided in the unit from XX/XX/XXXX to XX/XX/XXXX. The original creditors, XXXX XXXX XXXX has never provided any proof of damages other than the invoice which is not from my tenancy. Also but, XXXX was aware that the amount they submitted to collections would have been incorrect even if the debt were legitimate, but they sent it anyway. The original bill submitted to me included a pro-ration credit of 6 months, but the carpet was 23 months old at the time I moved out. They also had differing stories as to the nature of the damages and attempts to clean or not clean it and refused to furnish any proof of damages to me. Even if the debt were valid, the pro-rated amount in incorrect by a material amount and anyone with a XXXX grade ability to do fractions could see that blatant error, meaning that A ) they knowingly tried to collect a debt that was not mine as the repair invoice did not correspond to the period of my tenancy nor after it and B ) they knowingly reported an incorrect amount to the credit bureaus as they were made aware of the material pro-ration error. Additionally, the collection 's agency refused to return my calls or to allow me to speak with anyone to address these errors. This debt is from a previous tenant and that is why they do not have a current invoice.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Original creditor XXXX XXXXXXXX XXXX send a bill of {$2500.00}. Because of their property manager 's wrongdoing and overlooking notice in advance by emails of lease nonrenewal. To top it off the property manager sent me leasing pricing cheaper than what she wanted me to Renew. I have many claims on this property manager. The property manager was not able to get me for any damages because I'm certainly not filthy like the residents they allow to live at the filthy building where I paid for trash service. Then comes up with bogus charges of trash on the final invoice to steal my deposit. I'm sure this property manager does this many times. Too many people. She's a theft and I will be looking into further actions to get back my security deposit and legal damages. Then I get a bill of {$760.00} from collections clearly the property manager is playing games and think is okay to mess with families money.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am disputing this claim due to : My sister and I have moved into XXXX XXXX XX/XX/XXXX and we have moved out of XXXX XXXX XXXX at XXXX and the office closes at XXXX. We waited until the XXXX, XXXX XXXX, to check the XXXX XXXX XXXX where we lived and she came and did a walk through with us and said she would give us a rating based on our damages, the unfinished work while we lived there, and prior damages. We have waited to hear back from XXXX XXXX for three months for our deposit back and sent emails to see if everything was okay. Our deposit in total was {$850.00}. We heard back from her and we have recieved our deposit for {$320.00}. We asked her why she gave us the {$320.00} back instead of {$850.00} and she said that the damages made was worth {$520.00} and so we said okay. We have paid in full everything that we owe and I would like this collection to be deleted from my credit. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: A lease for property was taken out at XXXX XXXX, in XXXX XXXX in my name via online. In XXXX of XXXX. I do not live nor have ever resided in the state of XXXX. I am a resident of XXXX, and have lived in XXXX, as well as XXXX. I lost my wallet about a month prior to this transaction being taken. XXXX XXXX went to court for eviction and sued me for over {$4000.00}. I never knew this as I was never notified. I went to purchase a car in XXXX XXXX and this line item was on my credit report and I disputed it fully with all 3 credit bureaus and put a freeze on my credit report. There is also a notation that my identity is compromised, and I have a duplicate identity, to please verify its me. I reached out to the property in XXXX and XXXX of XXXX with no success via phone and email. No returned communication. I notified the credit bureaus in XXXX of XXXX of the unsuccessful attempt. After months of trying to dispute with credit agency and the creditor not working cooperatively with me I filed a motion in court on XX/XX/XXXX with XXXX XXXX XXXX to have the judgement dismissed for lack of notification, I was never in this state, and identity fraud. I additionally picked up a copy of the original complaint from the attorney that was never received to me dated XXXX, they mailed it to the property address that was rented in my name however I have never resided there. XXXX XXXX property attorneys were served/mailed on the XXXX of XX/XX/XXXX with my motion.
Company Response:
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed the following accounts several times now, at the time these accounts were opened while I was incarcerated, from XX/XX/XXXX to XX/XX/XXXX. There is a case with the XXXX Police Department, for identity theft and an individual that forged my signature. These accounts are being reported in my credit report, they are really interfering with my living situation in stable a stable home for my children. I have documentation that proves my statement ; therefore, these accounts need to be removed from my credit report immediately, or I will proceed to a lawsuit. XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Me and my wife leased a apartment in Alabama named XXXX XXXX XXXX XXXX XXXX while living there the apartments did not hold up there end of the lease such as maintenance ( they where called to the apartment due to a broken dishwasher and while attempting to repair it flooded our apartment then looked at my wife and told her to clean it up this happened while I was over XXXX XXXX XXXX ) the apartment flooding caused mold to grow in the walls and the floor to bubble up the apartment was notified and became annoyed and stopped answering our calls they also had a flea infestation that they refused to take care of and our pets suffered severely from this they stopped cutting the grass for several months and the grass because very tall and after multiple complaints they cut everyone elses grass but ours they where notified of a beam supporting the patio above is cracking and sagging and refused to fix it so we gave them a 30day notice as was there policy that we would be breaking the lease and moving for our safety and a few months later we found a collection on our report
Company Response:
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. [ Violation of 15 U.S. Code 1692e ] - False or misleading representations ] ( NATIONAL CREDIT SYSTEMS ) - Account Number : XXXX
Company Response:
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am disputing this claim due to : My sister and I have moved into XXXX XXXX XX/XX/XXXX and we have moved out of XXXX XXXX XXXXXX/XX/XXXX at XXXX and the office closes at XXXX. We waited until the XXXX, XXXX XXXX, to check the XXXX # XXXX where we lived and she came and did a walk through with us and said she would give us a rating based on our damages, the unfinished work while we lived there, and prior damages. We have waited to hear back from XXXX XXXX for three months for our deposit back and sent emails to see if everything was okay. Our deposit in total was {$850.00}. We heard back from her and we have recieved our deposit for {$320.00}. We asked her why she gave us the {$320.00} back instead of {$850.00} and she said that the damages made was worth {$520.00} and so we said okay. We have paid in full everything that we owe and I would like this collection to be deleted from my credit. We have paid everything off the {$2200.00} on XX/XX/XXXX and recieved our deposit back for {$320.00} on XX/XX/XXXX. I also have not recieved a written notice from a debt collector that says how much I owe. This is my official request to have the amount before mentioned to be deleted off my credit report.
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A