Date Received: 2023-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate I have never signed a one month contract with National Credit system this information is also false and violates my rights for improper use of my credit report this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
Company Response:
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent numerous debt validation letters to which none have be answered. I am now on day 33 of waiting for the most recent debt validation letter from National Credit Systems. My letter was delivered to National Credit Systems XXXX XXXX and signed for by XXXX XXXX. Ive also asked that they contact me only via US mail and no phone calls but they continue to call me daily.
Company Response:
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: National credit system was sent the attached a letter. They have not followed it and neither have any of the credit companies specifically XXXX. I need validation and until it has been validated and I am provided documentation they must remove it from all of my credit reports. Everything must be done by mail. They have failed to do so. I have documented proof with return receipts that were signed for documents that were sent certified mail with tracking numbers. They received the items the certified documentation came back to me from the XXXX and they still have not updated my credit reports.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit Systems , INC Has sent me three notices of debt to an apartment I no longer live at. The first one, I threw away after calling the apartment and they told me it was a scam that many people were calling about. NCS had knocked down my credit score so I reported the late fee as fraud on XXXX. The credit issue was resolved. The second notice I received was on XX/XX/XXXX saying I owed the apartment complex {$210.00} with a resolution offer of {$100.00}. A similar notice was sent again on XX/XX/XXXX.
Company Response:
State: AR
Zip: 717XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company has obtained my information with my consent. Claiming that I owe them a debt and reporting on my consumer report. I have never done business with National Credit Systems. I have contacted this company several times asking for a complete audit trail of this account and how do I owe them? I have sent letters as well as certified letters since XXXX. They never respond! This account reporting to my consumer file is causing me a deep XXXX and is a Defamation of My Character. According to 15 usc 1681 section 602 A states I have the right to privacy. 15 usc 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written intructions.
Company Response:
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Provide a wet signature and original copy of the agreement. Provide proofs that you are Licensed to collect debt for theState of Washington. Provide all receipts of payments and letters for missed payments.
Company Response:
State: SC
Zip: 29407
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My deceased father signed a lease agreement in XXXX of XXXX for the address XXXX XXXXXXXX XXXX XXXXXXXX Tx. his name is XXXX XXXX XXXX DOB is XX/XX/XXXX. he died in XXXX our names are very similar, only the middle name is different. I have a case # through the Police dpt. of XXXX XXXX & i have sealed documents from the state of Tx proving i did not sign this lease agreement. XXXX who the lease was signed with & national credit systems the collection agency both refuse to listen to me. XXXX XXXX the collection representative for NCS was very rude & told me i was responsible for my deceased fathers debts. My father was married & my mother has even tried calling them to tell them she would inherit the debt. but no help. they will not provide a copy of the lease because they say i cant prove im the signer of the lease but they have no problem coming after me for the debt. when my dad signed the lease in XX/XX/XXXX they ran his credit report, not mine. that can also prove the lease was NOT signed under my social. my credit report would be perfect if it wasnt for this collection & its not even me!
Company Response:
State: TX
Zip: 78232
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/XXXX Deposit Disposition {$630.00} XX/XX/XXXX Email & Payment {$230.00} From : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX Subject : Re : Final Account Statement/Balance Due! # XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX To Whom it may concern, I just paid {$230.00} online out of the {$630.00} from the XXXX XXXX XXXX XXXX I will not be paying for the {$400.00} vinyl damage that the maintenance man caused by dragging a new refrigerator in the kitchen that was witnessed by two people on move in day XXXX. The witnesses offered to help the maintenance man with the refrigerator but he refused the help which led to him dragging the refrigerator in the kitchen causing the scrape marks on the vinyl floor which matches up with refrigerator wheels on bottom. after placing the refrigerator, the witnesses noticed the scrape marks on the kitchen vinyl floor which were caused by the maintenance man, he said not to worry about it. I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that can't physically move a refrigerator by myself. I will not be paying for damages I did not cause. I have been a very good tenant, I have done everything by the book, never paid rent late, stayed an extra 3 months and paid for an additional month for replacement tenants to leave my lease early. I left the apartment in better shape than what we had on move in day. This apartment was originally rented for my mother XXXX who is XXXX of stage XXXX XXXX XXXX. Part of the reason why we had to leave the lease early was because the apartment was not safe for her. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions or concerns regarding these matters, please do not hesitate to contact me. Thank You, XXXX XXXX XX/XX/XXXX XXXX XXXX, call to Manager. Wanted to pay {$400.00} of balance, but manager couldn't find documentation and wouldn't accept {$400.00} for remainder balance and had no record of payment and was trying to reach the previous management company. XX/XX/XXXX Collections Letter National Credit Systems , Inc. {$630.00} XX/XX/XXXX We contacted both XXXX XXXX and XXXX , Inc. to resolve this. XXXX XXXX didn't have the previous management company 's documentation and wouldn't accept documentation and or hung up the phone on us. Same with XXXX XXXX XXXX
Company Response:
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Disputed debt. Requested validation, providing 45 days to do so, company failed. Failed to update or remove said debt from all three credit bureaus. Credit bureaus have not removed Violating laws and rights Failed to investigate debt.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit Systems XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00} National Credit Systems XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX at XXXX XXXX XX/XX/XXXX {$4600.00} I called on several occasions and was told I had to pay that debt or they were going to keep harassing me and calling me
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A