Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is not my account. My Identity was stolen if you see my license number is not the same as the license number used to open the account.
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I have a dispute with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX for early termination fees date being XXXXXXXX XXXX I had security deposit insurance through XXXX. XXXX was suggested and promoted to me by XXXX XXXX XXXX apartments. XXXX XXXX XXXX XXXX reported the account to National Credit Systems , Inc in XXXX XXXX without filing a claim with XXXX. The policy with XXXX was still active. I've tried thru phone calls and certified mail ( XXXX XXXX XXXX ) to get help with this dispute. XXXX XXXX XXXX has not responded to any of my attempts to resolve this issue. National Credit Systems hasn't helped either. Please any help is appreciated.
Company Response:
State: GA
Zip: 30605
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit Systems has a debt collection with an open balance of {$2300.00} by original creditor XXXX XXXX on my XXXX credit report opened XX/XX/2022 I have never rented from XXXX XXXX nor have I been a cosigner for anyone ever. I have been renting my current home through a private landlord for the last 4 years and after further investigation it appears that XXXX XXXX is an entirely fraudulent company that operates out of the Philippines according to their facebook page, I believe that if they have any information substantiating this debt it is fraudulent and the fact that they rejected my credit dispute with XXXX makes them complicit in this fraud.
Company Response:
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX at XXXX XXXX. XXXX XXXX XXXX Arizona sent a manufactured charge to collections after I moved out of the apartment I lived in XX/XX/2022. They have listed multiple utility charges for the month of XXXX even though I moved out on the XX/XX/XXXX as stated in the move out statement. On top of that there is a carpet cleaning charge that was initiated which they already have advertised in the beginning of the lease for 1 free carpet cleaning service which they have never performed. They have sent {$92.00} to a collection agency called NATIONAL CREDIT SYSTEMS INC. I would like to have XXXX XXXX XXXX to be investigated since they are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe there could millions of victims with such similar or same fraudulent & manufactured charges sent to collections. I also would like to ask for an investigation if there is any investor relationship between XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and National Credit systems Inc National Credit Systems , Inc . XXXX XXXX XXXX XXXX, GA XXXX, that both parties may be working together to defraud unsuspecting tenants of Millions of dollars every year.
Company Response:
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XX/XX/2021 @ XXXXXXXX XXXX. I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section XXXX of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the XXXX program.
Company Response:
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: national credit system this is on my credit report for XXXX this is not my account reporting on XX/XX/2023 XXXX XXXX XXXX this is not on my credit report for XXXX this is not my account reporting XX/XX/2023
Company Response:
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive tried several times to speak with someone at the apartment complex to get documentation on lease. Every time i speak to someone they tell me all back and then I get no answer. Ive tried disputing it with collections company 3 or 4 times its been in dispute well over 30 days. They keep saying its verified and updated ..now and still showing on my credit report.. I spoke with someone today and now they want to send me a fraud package, but wont send me the documents I asked for
Company Response:
State: LA
Zip: 70802
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX XXXX, GA XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, National Credit Systems , Inc. , regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ). Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : XXXX out the balance of this account. Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX out via email. Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023. Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company. Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against National Credit Systems , Inc . Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA. Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation. Sincerely, XXXX XXXX Natural Person and Consumer
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I do not have a signed contract agreement with National Credit Systems therefor I do not owe any money to National Credits System. I am requesting a signed copy from XXXX XXXX showing my signature for the charges of {$1000.00} ( not the lease ), where did I sign agreeing to these charges? A receipt is not an acknowledgment without my signature stating that I agree to those charges. A copy of a lease is not acceptable!! Please show me a signed signature on the receipt stating that I owe that amount to XXXX XXXX ( again not a copy of my lease!! ) and that I agreed to those charges. The lease is not proof that I owe {$1000.00} to XXXX XXXX. Again, I don't have a signed contract agreement with National Credits System. National Credits System needs to provide me with proof that I owe National Credits System. Provide me with a copy of a signed agreement between myself and National Credits System.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My identity was stolen by a relative and I sent letters to collector, which they have not responded nor removed the negativity off my report which have damaged my character and kept me from getting loans in a time of need
Company Response:
State: CA
Zip: 90062
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A