Date Received: 2023-04-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company is reporting on my XXXX and XXXX. This is not my account and i would like for it to be removed
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: My name is XXXX XXXX, This all started when I started to get a mortgage and I was instructed to have a dispute mark removed from my credit. Just the dispute mark, not the debt itself. I was taking ownership of the debt. I had originally disputed this with the credit bureau, so I called them first to have the disputed mark removed not the debt. They did their process and it was done fairly quickly, I called National Credit Systems that day after speaking with all 3 credit bureaus to inform them not to report it as disputed as a heads up. National Credit systems sent me to the Law Offices of XXXX XXXX XXXX, XXXX. in GA. and I spoke with XXXX. XXXX XXXX XXXX was very rude to me on the phone as I was just informing them not to report it as disputed. XXXX XXXX XXXX states : " We are not on your credit file therefore if you disputed it with the credit bureaus you will need to speak to them ''. I said, " Sir I understand what you are saying, however, National Credit Systems directed me to you because you have my account and are managing it, therefore you can make sure that is not reported as disputed because that is not accurate reporting ''. XXXX XXXX XXXX repeated himself and was very rude to me, it is all in the recording. I then asked for a Supervisor and asked him how long is the wait 24 to 48 hours? I can wait no worries. XXXX XXXX XXXX said " I will not send you to a supervisor because they will tell you the same thing ''. I then asked " XXXX XXXX XXXX are you denying me a supervisor call? He responded with " Sir I can send you to one right now, you are all over the place sir. '' he then transfers me to a supervisor whose name I don't remember and he also said the same thing and i said can you guys take a settlement or a payment plan? the supervisor says let me check and asks how much can I pay? I said probably about XXXX maybe. He said " No call me when you get closer to the balance '' So we then start talking about the age of the debt and the 7 years and I told him : " I would not be able to pay more until it's probably closer to the 7 years or if they take a lower settlement if at all ''. The supervisor says : " Well then they will probably get a move on it then '' I took that kind of language as a lawsuit and it caused me more stress on top of what they had already caused me. So now I'm stuck where no one is willing to help me and I start to feel stressed. I decided to wait to see what the bureaus do. I then had the mortgage company run my credit again and it was showing up again as disputed at this time I was speaking with either XXXX or XXXX when the woman said that National Credit Systems had reported it that the Sunday of last week as disputed. So I redo the process again and I call National Credit Systems afterward to inform them of what happened and that they reported it again as disputed causing me more stress and financial burden because I have to pay for every time the report is pulled. I spoke with the National Credit systems Operator who then sends me back to the same XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I get XXXX XXXX XXXX again. XXXX XXXX XXXX again as I tried to explain the situation and how National Credit Systems reported it again as disputed after I called them and called all 3 credit bureaus. XXXX XXXX XXXX repeated again what was mentioned above " They are not showing on my credit file, therefore they can't help me ''. However, they are collecting on behalf of National Credit systems and NAtional Credit Systems keeps sending me to them. He then says : " I can send you the credit bureaus information to call them ''. XXXX XXXX XXXX was not listening to me and what I was trying to tell him. I then asked, " XXXX XXXX XXXX, I understand what you're trying to tell me but that has already been done, who can I speak to about this dispute mark to make sure they stop inaccurately reporting it? XXXX XXXX XXXX states : " Sir you can speak to whoever you want to speak to in the world but I can not help you or give you any advice '' So I told him " if you inaccurately report this again I will file a lawsuit against your agency ''. At this point I was so stressed I could not even think straight, this is not good at all that this office does this violent collection practices. So I call National Credit Systems and inform the operator that they do not want to help me or say they can't help me and XXXX states that " they can help me '' and proceeded to read a note on the account that they placed that reads : " That I do not wish to speak to them '' which is also completely Inaccurate. XXXX then gives me a phone number to call who is a direct line to XXXX XXXX XXXX apparently when I dialed XXXX XXXX XXXX and I left him a voice mail and he has not yer return my call. Please review these calls from Friday XX/XX/2023 and Monday of this week XX/XX/XXXX. It's all there. PLEASE HELP ME with this I don't know who else to turn to about this! No one is willing to help me resolve this issue. They also did divulge to me that it was a joint account with my ex-wife and they were not supposed to do that. They released personal information about another person who is my ex-wife and we are divorced.
Company Response:
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX Apartments charged {$820.00} on my credit because they said rent was not paid in XX/XX/2020. The property manger has stated and it's in their system that XXXX residents ' money orders were stolen and mine was XXXX. They were supposed to be investigating but still no response from higher management. I reached out to XXXX and they said that the money was cashed. I have the stub receipt from the money order and the email from XXXX XXXX stating that it was cashed.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I sent several letters to National Credit Systems on XX/XX/2022, XXXX XXXX by certified mail still havent received a response from them to validate the debt of {$1800.00}.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A representative contacted me via telephone from National Credit Systems in XX/XX/2022. She stated that I owed XXXX XXXX at XXXX XXXX XXXX {$5300.00}. I responded to her that I never lived at the complex she spoke of and ended the call. I received letters for debt collection in both XX/XX/2022 and XX/XX/2022. In XX/XX/2022, I received a letter from the XXXX XXXX XXXX XXXX XXXX and I responded with a letter dated XX/XX/2022. In said letter, I asked for a copy of the original lease with my signature, payment history with itemized billing. I received another communication from the lawyers office with a itemized account statement only.
Company Response:
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ive received phone calls from a third party stating they are a location officer and that I need to contact XXXX. I called the company and was read a document stating they would be filing a lawsuit and they have nothing to do with location services. The company never disclosed they are a debt collector nor did they state theyre attempting to collect a debt. The company also never stated their full identity only called it national. I tried to speaking with both location services and national but was never given any information outside of we filing in XXXX XXXX. I asked on XX/XX/28 to receive a letter validating this and was denied stating I would receive that in a legal summon through the county.
Company Response:
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2023 I received a notification from XXXX saying I owe an apartment building {$13000.00}. Ive never even lived in this apartment, I filled out an application and was denied so Im confused at how I owe any money and have an eviction on my name when I have proof I lived at a different residence. Ive sent a debt validation and a 609 letter requesting a physical copy of me signing a lease and never received nothing. Ive been asking them to remove this debt since XXXX
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I lived in the apartments XXXX XXXX and one day someone was visiting my apartment and they hit her gate coming in or out. The apartment have video of the person who hit the gate and know that it was not me and also that they were not a resident of my apartment just someone stopping by. I have disputed this debt as well as provided the person who did hit the gate name which is XXXX XXXX she should be responsible for this debt as I explained to the apartments. They have a clear video of this lady hitting the gate and have continued to be a nuisance on my credit
Company Response:
State: TX
Zip: 75181
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I do not consent to the disclosure of my credit information to any third-party entities unless they have a legitimate business need for the information in connection with a business transaction that is initiated by me, as provided for in section 604 ( a ) ( 3 ) ( F ) ( i ) of the FCRA. Please be advised that I do not authorize any person or entity to access my credit report for any other purposes, including marketing, pre-screening, or employment screening. I understand that, Section 6801 of the Fair Credit Reporting Act ( FCRA ) The section requires CRAs to establish and implement reasonable procedures to protect the confidentiality, accuracy, and integrity of nonpublic personal information that they collect and maintain. This includes personal information such as a consumer 's name, address, Social Security number, and credit information. In addition to requiring CRAs to safeguard consumer information, section 6801 also limits the circumstances under which they may disclose nonpublic personal information to third parties. Specifically, CRAs may only disclose such information if it is : Required or permitted by law Necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes Necessary to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability Required for regulatory compliance or to comply with a valid legal process The section also requires CRAs to provide consumers with notice of their privacy policies and practices, and to allow consumers to opt out of having their nonpublic personal information disclosed to certain third parties, such as affiliates for marketing purposes. Because the companies did not comply I the must follow FCRA 6802 ( C ). As stated below. Section 6802 ( a ) : " ( a ) Disclosure of reports to consumers. A consumer reporting agency shall make all disclosures pursuant to section 609 of this title [ 1681g ]. '' Section 6802 ( b ) : " ( b ) Disclosure of reports to third parties. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment; and ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ). ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To a Federal, State, or local agency that administers a program for establishing and enforcing child support obligations, upon its request, for use in locating individuals for the purposes of establishing paternity and child support obligations, or for enforcing child support obligations, and only to the extent necessary for such purposes. ( 7 ) To a potential investor or servicer, or current insurer, in any transaction that concerns the assignment, sale, or securitization of all or a portion of a lenders rights or interests in a consumer credit transaction that was not originated by the investor, servicer, or current insurer. ( 8 ) To the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, or any private mortgage insurer, in connection with the issuance, renewal, transfer, or servicing of any loan secured by residential real property. '' Section 6802 ( c ) : " ( c ) Protection of medical information. Except as provided in section 604 ( g ) ( 2 ) of this title [ 1681b ( g ) ( 2 ) ], a consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumers medical information that is obtained from a medical information furnisher. ''
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have attempted to work with the company but have had no resolution. I have asked for official documents from the company such as a lease, copy of the license and social security card that the apartment complex took upon moving in the tenant due to the fact my information was used and I never lived at the apartment complex that the collection agency is representing. I have filed a police report with the XXXX police department and I have also reported to the credit bureaus but there's been no resolution. I am requesting if the agency can't provide a valid lease agreement, copy of the license, and social that was used that this be removed immediately.
Company Response:
State: SC
Zip: 29577
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A