Date Received: 2023-07-02
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: On XX/XX/XXXX I sent a letter requesting a full investigation and removal of National Credit Systems , Inc, XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX to XXXX. Because my sister and I do not owe National Credit Systems or XXXX XXXX XXXX any money for rent or damages as they have claimed. We dont owe them {$5000.00}. It is not a judgment in the favor of any companies listed above. We dont have an eviction or monetary judgement from or for XXXXXXXX XXXX XXXX or National Credit Systems XXXX XXXX has had over 45 days to fix and to remove the false information for our credit report, but have fail to do so. On the XXXX has falsified information such as saying that we owe {$5000.00}, missing information about last payment date, Date of First Delinquency XXXX XXXX, XXXX. We have judgements in our favor against XXXX XXXX XXXX which shows that we was not evicted and do not owe them anything. I believe that XXXX have violated my rights under Fair Credit Reporting Act such as 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, 15 USC 1681e, 15 USC 1681g, 15 USC 1681h,15USC 1681i and much more.
Company Response:
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There is an account on my credit report from National Credit Systems in the amount of {$830.00} dollars. It says it is from an apartment that I used to live in. I have no idea why this would pop up. I paid all rent and there is no negative information on my rental report that would show a balanced owed to XXXX XXXX XXXX. Furthermore, when I moved from XXXX XXXX to my new apartment, they sent a rental verification to my new apartment. It says that all rent was paid, never late, and that I would be a candidate for another lease If I wanted. This is not the first dispute Ive encountered with this company. I had to be moved from one of their other properties to their XXXX XXXX property after excessive and suspicious fees left and came back into my checking account several times. Luckily I was able to handle this internally with the management company. I am trying to handle this issue with the management company directly. Unfortunately, they are being very unresponsive. I have gone to their website and put in my information to receive a call from them to resolve this 3 times. They have not reached out to me at all. I have also tried to call their corporate office for an explanation. They do not answer their phone it goes to a full mailbox so I can not leave a message either. I even went as far as posting my issues on their XXXX page in the hopes somebody would reach out. This was also unsuccessful. This is why I am here filling out this complaint in the hopes I will get some clarity on this issue. I have documentation to back all of the claims made here.
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Im submitting a complaint and seeking justice against XXXXXXXX XXXX XXXX located in XXXX, XXXX. This company overcharged me for several months for a water bill between the amount of {$380.00} and {$560.00} every month while renting a XXXX bedroom apartment. Their unscrupulous behavior constitutes extreme violations of clearly established laws. They committed these hardships on me and my family without any remorse. Im suffering because they have now reported inaccurate information to the credit bureaus. Im suffering emotionally and mentally. Im seeking justice and help with this matter. This wicked pattern of unlawfulness should not be tolerated in state of Alabama and XXXX XXXX of XXXX and the city of XXXX.The defendants in the matter should be held accountable for their wrongdoings in a court of law. All of what I stated took place last year 2022 between the months from XXXX to XX/XX/2022.
Company Response:
State: AL
Zip: 35209
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am writing to formally lodge a complaint against National Credit Syst, located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. This company has engaged in practices that are in direct violation of federal laws, specifically those related to abusive debt collection behavior, inaccurate reporting to credit reporting agencies ( CRAs ), and failure to send required notifications via mail. National Credit Syst has engaged in conduct that clearly violates the Fair Debt Collection Practices Act ( FDCPA ), as codified in Title 15 of the United States Code, Section 1692d. This law explicitly prohibits any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. The company 's abusive behavior is a clear infringement of this law. Furthermore, the company has violated the Fair Credit Reporting Act ( FCRA ), as codified in Title 15 of the United States Code, Section 1681i. This law mandates that if a consumer disputes the completeness or accuracy of any item of information contained in their file at a consumer reporting agency, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file. National Credit Syst has reported inaccurate information to CRAs and has failed to correct it upon dispute, which is a direct violation of the FCRA. In addition, National Credit Syst has failed to comply with Section 1692g of the FDCPA, which requires a debt collector to send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, and a statement that unless the consumer disputes the validity of the debt within thirty days after receipt of the notice, the debt will be assumed to be valid by the debt collector. The company 's failure to send such a notice is a clear violation of the FDCPA. I am demanding that the CFPB investigate these violations and take the necessary action to ensure that National Credit Syst complies with federal laws pertaining to debt collection and credit reporting. As a consumer, I have the right to be treated fairly and in accordance with the law. It is crucial that these violations are addressed to protect my rights and the rights of other consumers who may be affected by these unlawful practices. Thank you for your immediate attention to this matter.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NATIONAL CREDIT SYSTEM HAS ATTEMPTED TO COLLECT ON A DEBT THAT I DO NOT OWE. THERES AN APARTMENT IN ALABAMA THAT SOMEONE OBTAINED FRAUDULENTLY IN MY NAME, NOW A COLLECTION AGENCY IS TRYING TO GET ME TO PAY A BALANCE I DO NOT OWE. I HAVE NEVER LIVED IN ALABAMA. BALANCE IS {$360.00} ACCOUNT WENT INTO COLLECTIONS XX/XX/2022
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is a formal complaint that National Credit systems is reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : National Credit Systems : {$300.00} Collection Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I moved into XXXX XXXX XXXX apartments and immediately contacted the rental office to question whether or not the place had been cleaned prior to my arrival. I received an apology stating that they were " testing out '' a new cleaning company and they apologized if they did not do a good job. I believe that was a lie today, but I ended up cleaning the apartment myself and sending photos of the filth that was in it to the leasing agent who only said " thank you for letting us know. '' I also had a service animal which was registered, and which the kept charging me a pet fee for. Even after accepting my paperwork they still charged me the pet fee until finally after several complaints they stopped. One day I noticed water in the dogs crate and thought the dog had an accident but knew the dog didn't and then figured out that water was leaking into the unit from the roof. I complained several times about that until finally water was gushing down through the light fixtures from the ceiling in a really bad rain storm, I called the fire company to be safe because an apartment had just recently burnt down in the area from water in the electric sockets. The management came to look at it several times, then sent the people to my apartment without my knowledge when I wasn't there, even though I requested to be there. They said they can not control when outside contractors come. I was very upset over that as well as the mold that was probably in the unit from the water damage. It was apparent that it was happening for some time. My neighbor 's unit had a very large hole in the roof that was discovered when they came to patch mine. Anyway, I decided to move out, they charged me over {$2700.00} to move out, even though I protested that I shouldn't have to pay that to move out of an apartment that isn't fit to live in, I paid it because the manager said if I didn't pay it right at that time I would not be able to get out of the lease at all and would owe the remaining months, which was substantially more than {$2700.00}. I was moving out of state for a job I found and was glad to get out of there. Anyway, I found out from a credit alert several months later that they sent me to a collections agency over {$120.00} that they claim I owe to them. They charged me $ XXXX to break the lease, then they charged me {$120.00} for new carpet ( they re carpet the apartments every time and should not charge for that ) plus they charged {$550.00} for a " cleaning fee '' even though I left that apartment a heck of a lot cleaner than when I moved in. I refused to pay the pretend {$120.00} charge and had contracted with an attorney through my legal plan at work to send a letter to have the charges removed. I already contacted National Credit Systems with a letter denying the charges and with proof that I paid what I had owed the apartment owners and that they owed me my deposit back but NCS refused to remove the fee and were very nasty to me. I just found out through applying for a new apartment that the debt of {$120.00} is still on my record and has not been removed by NCS even though they have failed to prove to me that I owe it in any means. Thus I was denied housing due to a made up {$120.00} fee from a predatory apartment complex who abuses tenants over petty fees like this while not taking care of their units and allowing their tenants to live in life threatening conditions like I was when the water was pouring in from the light fixtures. I need this false {$120.00} fee removed from my record, or I need proof that I have never paid what I owed this apartment complex. Everything was paid and more, and they owe me my deposit back still. XXXX XXXX and the owners XXXX XXXX are abusive corporations that take advantage of people like me who they know get cornered into either paying them their false nickel and dime fees, or are stuck with damaged credit because they submitted false claims against the tenant. They should be looked into by the attorney general for deceptive and abusive practices. Oh, and I forgot that the address provided by NCS- which I had sent a certified letter to in a timely manner was returned as undeliverable. I mailed it certified to their corporate address and it was returned, they were legally obligated to respond to my letter but because they listed a fake address it was returned to me and they never responded to any of my emails.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Im being charged by XXXX XXXX {$5800.00} for an apartment I never rented. They have now given the duty to collect to National Credit System. I have never even been here they are saying I signed a lease online which I believe is not correct. I have never even been there. Its been on my credit since XXXX. Please help me get this off because I havent done business with them.
Company Response:
State: GA
Zip: 31406
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX has called me for a debt that i owe to XXXX XXXX XXXX XXXX. In the amount of XXXX and had threatened to garnish my wages for this debt
Company Response:
State: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You { NATIONAL CREDIT SYSTEMS INC } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { NATIONAL CREDIT SYSTEMS INC } 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { NATIONAL CREDIT SYSTEMS INC } are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A