Date Received: 2023-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I previously got into fixing my credit on my own and I sent a debt validation to this debt collector, and they never reached out or contacted me in any way to show me any proof that this debt belongs to me.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NATIONAL CREDIT SYSTEMS , INC, a debt collector, has fraudulently stolen and used XXXX XXXX XXXX 'S personal identifying information ; Social Security Number, address, phone number, etc. without any consent given. This is a violation of the Fair Debt Collection Practices Act 805 ( b ) - Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgement judicial remedy, a debt collector may not communicate, in connection with the collection of any debt ... ''.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have attempted to contact this collection agency by mail on XXXX to negotiate a debt and the address provided on my credit report is fraudulent. Its not a address that i can send letters to and i don't know any other way to contact this agency. After i sent the letter it was returned to me saying it could not be forwarded.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This particular debt was reported on my credit report as collections there was no attempt to contact me. According to Indiana law, I.C. 32-31-3-12 the company is legally obligated to send a letter to the renter stating all itemized damages claimed by a landlord along with the security deposit not more then forty-five ( XXXX ) days after the termination of the rental relationship to the forwarding address provided by the tenant. That forty-five day grace period has exceeded and I have not yet received any notification. Therefore the company claim is false. I would like this item to be removed from my credit report as soon as possible.
Company Response:
State: IN
Zip: 46368
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Original Creditor : XXXX XXXX XXXX Wouldnt show any proof of the ddbt owed.
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Im being charged {$2800.00} from a collection company called NATIONAL CREDIT SYSTEMS. I do not know why I have a collection with them. I asked them to send me the original contract so I can understand where this debt comes from but when I try, they ignore me and verify my debt without giving me my request. This collection debt is on my experian and XXXX credit report.
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed and submitted information requesting removal of fraudulent account for collections for XXXXXXXX XXXX in the amounts of XXXX dollars XXXXdollars, XXXX. XXXX dollars and national credit system for XXXX dollars and XXXX XXXX This with XXXX, XXXX XXXX XXXX.
Company Response:
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have written letters to National Credit System to dispute a claim that is falsely listed on my credit reports. I am disputing this claim due to : 1. This is not my debt. 2. I do not owe any amount to this collection agency, I do not have an agreement with XXXX, nor do I recognize the alleged original account. 3. The name and address of the original account does not match mine. 4. This false account has already been deleted from my XXXX credit report, but still remains on XXXX and XXXX reports
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written permission XXXX and XXXX n has stated XXXXXXXX XXXX was verified has failed to show proof of verification on more than XXXX disputes.
Company Response:
State: PA
Zip: 17815
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I called nation credit system to tell them that they are reporting wrongful information on my credit, that I owe a debt for an eviction to a place that I have never lived or leased or rent. Someone used my information to apply and they got evicted now its on my credit and I can not get any where to live and I can not get any approvals for any car or apartments because of this wrongful credit reporting on my score, they never sent me any letters and have not contacted me since XX/XX/2023 but its sitting on my credit saying that Ive been evicted and the apartment complex has no records of me ever living there. But they sold the debt to a collector and now its reporting on my credit with a large balance
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A