Date Received: 2023-04-03
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: Method of verification Highly Requested Under15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business nameand address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. Please send the following information used to validate the validity of the invalidated items below { XXXX XXXX XXXX } Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute. 5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING. In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance proceduresI am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under15U.S. Code 1681nand15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The creditor failed to send me notice about the alleged account. I learned of the account via my credit report. The account shows an open date of XX/XX/2023 and an adverse report date of XX/XX/2023. Typically an account goes into collections after 90 days. However this was not the case, because on XX/XX/2023 the account would legally be called a charge off. At that point, the alleged account qualified for collections. The collection agencys illegal practices are damaging my credit. I demand that National Credit Systems remove this account from my file Immediately.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i got a letter from National credit system from XXXX GA, saying i owe XXXX ive know nothing about this i was never told why i owe this. i file a dispute with XXXX XXXX. they took care of it saying it was a fraud or in inaccurate so it was erased off my credit report. but now its on XXXX and they want take it off .im not sure if it on XXXX. i dont know why they put it on my credit report. we never been to court. i file bankruptcy in XXXX and all of the sudden this account pops up in XXXX my rent was paid i didnt break my lease and ive gave them 30 days notice that i would not be renewing my lease. because the apartment was flooded every time it rain
Company Response:
State: IN
Zip: 46806
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company is threatening me stating that I owe them XXXX XXXX that i dont owe I send the over 4 letters asking them for my wet signature that I have any contract with them and they did not provide me with one all they did was keep sending me incorrect information still stating that I owe them I was not notified before they decided to report on my consumer report also so they did not follow proper procedures of the law I have told them cease and desist all information they still are reporting they told me they dont follow the laws at all I have to pay of else Im really scared my hair has falling out of my head I can sleep at night because Im really scared of them they are causing me a really XXXX XXXX I do not have Money to pay them they need to leave me alone please delete this account immediately thank you
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This a collection with National Credit Systems for a debt that is not correct in amount. I disputed this amount with XXXX and XXXX in XX/XX/XXXX, and twice in XXXX of XXXX. I requested physical proof, not just invoices or being told the amount is owed, copies that {$4500.00} is owed. Hard evidence. Each time disputed, these bureaus are saying the debt is valid with no research. I cant get in touch with National Credit Systems through any method of communication. I have sent email messages as well. The company knows there is no hard evidence or proof of this debt so they are avoiding and keeping it on my credit report.
Company Response:
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I lived at XXXX at XXXX from XXXX with a roommate, XXXX. XXXX stayed in the apartment after I moved out, and we both signed a roommate addendum to remove me from the lease and all responsibility for rent went to XXXX. I never heard from XXXX at XXXX or XXXX after I moved out. On XX/XX/XXXX I received a collections letter in the mail from National Credit Systems stating that I owe {$2300.00} and that I have not made any arrangement to pay it. The itemized charges online say that two months of rent are owed and that our move out date was XX/XX/XXXX. I moved out long before this and was supposed to be removed from the lease by the apartment when I signed the document in XX/XX/XXXX. I never received any other notice from the apartment or collection company before receiving this letter. I have an email between me, the apartment, and XXXX XXXX giving permission to make the addendum for us to sign, but do not have a copy of the addendum because XXXX at XXXX did not respond to my requests for a copy of it.
Company Response:
State: SC
Zip: 29576
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2023 between XXXX XXXX to XXXX XXXX arizona time we talked over the phone during this conversation I was lead to belive we had a settlement agreement. This was not the case my credit report instead shows only a change in the amount owed reaching out to XXXX XXXX the debt collector was of no help as he stated that he would send over a copy of the settlement agreement but I instead received a summary of owed charges via email.
Company Response:
State: AZ
Zip: 85009
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I reached out to XXXX XXXX XXXX on XX/XX/2023 in regards to the inaccurate information the business was reporting. They intern sent me a outdated lease, and some more papers they considered validated the debt. I sent them the paid recipt and email verification. i received a call from a screaming woman stating she was an attorney and et. i explained to her that they bought outdated information that could potentially land hemin court she hung up. I kept asking her her name she kept yelling saying she was an attorney and if I couldnt provide her with a check number then it will stay on my credit. I personally would like to see them in court. I was very intimidated by the threats and offended because in all actuality they are fraud. Conspiracy to hinder the fruits of my labor.
Company Response:
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Open XXXX XXXX and amount XXXX I was trying to get it dispute which only made things worst they went up on the price
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a complaint, again, against National Credit Systems. I requested that they remove the collections from my accounts because my signature and that of my late husband, did not match ( not even close ) to the paperwork they have on file, I also filed an affidavit for Identity Theft as I have been dealing with that a lot more lately. They have removed the collections from my XXXX report, but not from XXXX and XXXX. why is that? Will they please just remove it already. According to XXXX, it was voluntarily removed by National Credit Systems.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A