Date Received: 2023-05-12
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I'm writing to ask you to remove the accounts and data listed below from your consumer report. The following accounts and pieces of information shouldn't be included in my consumer report. This is a clear violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and it has to be removed from my consumer report right once. Remove these accounts and data right away!
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: As of XX/XX/2023 National Credit System is still reporting a collection account with the 3 credit report companies ; XXXX, XXXX and XXXX. They are reporting a collection in the amount of {$1000.00}. I have been disputing this account with the XXXX credit bureaus for years! I have also requested for them to provide me with verification of the debt and have yet to do so. The credit bureaus are still reporting the account on my credit.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have requested validation and proof that I owe this debt on 4 different occassions. Each time, they send the same letter that says we received your request and they send the same 1 page ledger. I always reply certified mail, with the communication email chain I had with the office showing that I provided notice. I also have provided the lease of my new location to show that I moved long before the dates that they say I owe. I have provided all documentation
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX Account number XXXX XXXX XXXX XXXX Credit Bureau Names XXXX XXXX opened XX/XX/XXXX To Whom It XXXX Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account XXXX is listed as closed charged off DUE BALANCE of XXXX as of XX/XX/XXXX with balance XXXX balance I recently found out by the original creditor my information was illegally sold off to XXXX XXXX XXXX XXXX firm and I have never signed a contract with neither XXXX of these creditor back in XX/XX/XXXX This account XXXX reflect still open no term past due XXXX as of XXXX by XXXX by XXXX XXXX XXXX can not collect both debts I have called both parties National credit system stated XXXX XXXX XXXX XXXX firm is to my knowledge of the FCRA requirements and laws are handling my illegally bc they not the original collection agency FRCA LAWS IT DOES NOT MEET FRCA REQUIREMENTS AND MUST BE PERMANENTLY DELETED FROM MY RECORDS I HAVE FILED MULTIPLE DISPUTES asking for ORIGINAL COPY OF THe CONTRACT with my HAND WRITTEN SIGNATURE validation of the debt and how it was validated and verified AND THEY ALL COME BACK VERIFIED AND UPDATED WITH NO. INFORMATION ON HOW IT WAS VALIDATES OR WITHIN XXXX OR XXXX DAYS WHICH TELLS ME THE FINDING AND INACCURACY I POINTED OUT IN MY DISPUTES WERE NOT FULLY INVESTIGATING PROPERLY AND YOU ARE ALLOWING A CREDITOR TO FALSELY REPORT INCOMPLETE AND INACCURATE INFORMATION ILLEGALLY WHICH IS HARMING MY RIGHTS AS A CONSUMER TO A FAIR Report with showing COMPLETE ACCURATE AND CONSISTENT REPORT for XXXX XXXX XXXX, opened XX/XX/XXXX with a 1 month term charged off balance and past due balance of XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account XXXX is reflect a collection account with past due as of XX/XX/XXXX is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. XXXX shows no payment history and account is open no past due Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately I have i knowledge of a signed a contract of with this creditor with review of the information provided which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding deletion of this account
Company Response:
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS IS NOT A DUPLICATE On XXXX NATIONAL CREDIT SYSTEMS INC on behalf of XXXX XXXX reported a collection in my credit report. This report is based on inaccurate information provided by the original creditor regarding apartment damages. The original creditor used a document dated XX/XX/XXXX to support a narrative of alleged damages. ( See Attached Document ) On XX/XX/XXXX my property was moved out of the apartment and myself and the property manager did a walkthrough inspection of the apartment, and no damages was mentioned or found. There was no documentation provided during the time of the walkthrough reflecting any damages. On the other hand, the original creditor generated a SECURITY DEPOSIT RETURN FORM dated XX/XX/XXXX. ( See Attached Document ) alleging damages to a cabinet. The original creditor also generated a move out letter dated XX/XX/XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( See Attached Document ). My address during this time was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( See Attached Lease Copy ).
Company Response:
State: AL
Zip: 36117
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I had been receiving multiple calls and letters from National Credit Systems from their representative XXXX XXXX XXXX regarding a debt I do not recognize at all. I could see from the letters that it was for the amount of {$340.00} originally due to XXXX XXXX, a company whom I also don't recognize. Apparently, according to the letters sent to me, this debt was due XX/XX/XXXX but it doesn't say what for, and until I got a call from collections, I never got a notice from anyone saying I owe them anything, they just let this debt go straight to collections and purposefully effect my consumers report. At first I ignored them because I was just annoyed, but then I saw they hit my credit report and never gave me fair notice, so I looked into how I can learn more about this debt. After searching online I came across several samples of a debt verification letter that I could send to them, and with that I could request a cease and desist for 30 days while I wait for verification. I included all the details I needed to in my letter - dated and sent XX/XX/XXXX. It is now XX/XX/XXXX and the same rep has attempted to call three times now, first on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, and earlier today at XXXX ) leaving a voicemail stating they are attempting to collect. I have yet to receive any verification and I don't want this effecting my credit anymore, I need something done about this.
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: the date son this account are not correct. This account balance does is no accurate. The 2 month deposit was not deducted from the balance.
Company Response:
State: NC
Zip: 28602
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive reached out to this company to get clarification on the item that they reported on my credit. I never received any documentation from them in writing, and dont know who or what this company is and the item they are claiming is mine. This is in violation of my consumer rights and I will be seeking legal advice and/or pursuing to seek legal actions against this company for the inaccurate information that is being reported and hurting my credit. This has caused great stress on me mentally, emotionally and financially.
Company Response:
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit report I noticed a discrepancy with account listed under NATIONAL CREDIT SYSTEMS- XXXX and validation was requested SEVERAL times about this account which I do not recognize. Validation letters were sent out on XX/XX/2023 I also disputed this account with the credit bureaus and no proof that this debt belongs to me has been provided. This account continues to negatively affect my credit score.
Company Response:
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a debt collection notice from National Credit Systems , Inc. in the mail. The letter is dated XX/XX/2023. I called the representative assigned to my case, XXXX XXXX XXXX. She called me back 2 days later. When she called me, she told me the amounts associated with my collections account. I told her I was a victim of identity theft and that I would like to dispute the charges. She said she would send me the identity theft packet for me to prove that this debt is not mine. This is exactly what I was expecting because I have had to fill out many of these with several debt collectors as a result of this recent identity theft. I then asked her for details regarding the debt owed, specifically which apartments complexes I owe the debt to and the dates for the charges. She would not provide me with the dates associated with the charges. This surprised me because every other debt collector has given me the dates and it is required for a debt collector to provide details regarding the debt owed. She insisted that she did not have to provide the dates. After getting off the phone with her, I realized she also did not email me the right information for submitting a fraud claim. She emailed me a form requesting emergency rental assistance. I am filing this complaint because National Credit Systems needs to provide me with the dates associated with my fraud claim and they need to send me the fraud packet so that I can prove this is identity theft.
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A