Date Received: 2023-03-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX XXXX XXXX, improperly investigated my two Dispute. Both were from apartment complexs. That I could have not been living in at the same time. They didn't show me any documents stating I was in default with them both
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXXXXXX XXXX XXXX a collection was placed on my credit report in the amount of {$10000.00} with National Credit Systems. The original owner of the debt was XXXX XXXX XXXX, a company that owned and managed XXXX XXXX XXXX XXXX XXXX complex where I used to live. At the time the collection was placed on my credit report, I had an attorney-XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX working on my case with the attorneys from XXXX XXXX XXXX . We were in litigation and no legal suit had been filed against me. I lost my job in XXXXXXXX XXXX XXXXXXXX due to Covid-19, therefore leaving me unable to afford rent. I was also pregnant with a new baby at the time, leaving me in a horrible situation. I immediately contacted the property manager, XXXX XXXX. I asked for options on breaking the lease, re-renting the unit, payment plans, and even Illinois Rental Relief programs. I asked her to apply for the rental assistance on my behalf, as only the landlord could start an application at the time. I was informed that once the tenant application portion opened, I would receive emails with more information directly from the XXXX XXXX. I did not ever receive any emails or additional information. The complex was unwilling to work with me. I offered to settle the debt multiple times in writing through my attorney, I even returned the keys and surrendered the apartment on XX/XX/XXXX XXXX XXXXXXXX. While this entire case was still in litigation-I was placed in collections for over {$10000.00}. XXXX XXXX XXXXXXXX gave me no written notice or warning that they would be selling the debt to a collections agency and placing me in collections, no legal law suit has ever been filed against me, and the collections agency has been unable to provide me with enough information to verify the debt. Not a single one of the parties involved ( XXXX XXXX XXXX or National Credit Systems ) has been able to provide me a copy of the lease with my written signature on it. Not to mention, I called XXXX to verify whether or not XXXX XXXX ever submitted rental assistance application on my behalf on XX/XX/XXXXXXXX XXXX XXXX. The woman I spoke with confirmed that there is no application to be found under either my name, address, email address nor XXXXXXXX XXXX name, address, or email address. This tells me nothing I was told was true. I still have a collection of {$10000.00} showing on my report. I have attempted to dispute it multiple times. I have even contacted XXXX XXXX XXXX multiple times in attempt to settle the matter. No responses have been sent to myself or to my attorney. National Credit Systems and XXXX XXXX XXXX have insufficient information to attempt to collect a debt from me and to allow it to remain on my credit report unresolved.
Company Response:
State: IL
Zip: 60142
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I paid the collection and it still shows up negative on my report
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX XXXX XXXX None Identity was used to rent an apartment! Breaking the lease & not paying debt owed
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-03-16
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: Disputed information on my credit, company name XXXX XXXX, reporting credit agency name, National credit systems, amount {$11000.00}. I disputed credit reporting via XXXX website as well as sent a formal letter stating I have no knowledge of this account. Submitted documentation with inaccuracies concerning what was reported for original company. Did not receive an information back after the investigation verifying the results. Both XXXX and XXXX have removed this from their credit reporting however XXXX still is reporting inaccurately.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX XXXX contacted my mother on multiple occasions between XX/XX/2023 and XX/XX/2023. On XXXX XXXX my mother was informed by XXXX XXXX of exactly how much I owe. I called XXXXXXXX XXXX and attempted to inform her what she did was wrong and she hung up on me. Because of who my mom is and her actions, I choose not to deal with her as I have a history of XXXX, XXXX, and XXXX, well my mother turned around and informed 3 family members who then informed me of the issue. This caused me to go to the XXXX with difficulty breathing and right shoulder pain due to dealing with this issue.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XX/XX/2022 I sent a letter to National Credit System INC, asking them to verify the debt, by sending me paperwork, and verfication of the debt, To day, now 90 days later, they have failed to do so, and have failed to remove the debt. The Credit Bureaus have also failed to remove the debt or provide their verifcation method. I want this debt REMOVED NOW. I have also contacted NCS via email and they fail to respond with information. I have gone on their website, they have no record of any debt for me, any account numbers, and no $ listed.
Company Response:
State: NC
Zip: 271XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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: I was being harassed by neighbors at XXXX XXXX in Arizona ; for example, they would XXXX XXXX XXXX on me knowing it triggered serious fear. I began documenting and reporting the the abuse with photos. They said the photos violated my rental agreement and proceeded with an eviction. I was not allow to contest the eviction because I was removed from the courthouse by a XXXX XXXX Sheriffs Deputy. I was removed from my home and, it would appear, they proceeded to charge me the rent until it was occupied by another tenant. They are using the credit report system to enforce a breach of contract dispute. They should have filed a lawsuit stating I breached the contract. The eviction ruling is not a ruling on the contract. Please help me.
Company Response:
State: CA
Zip: 92201
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Spoke with company XX/XX/2023 and explained I am disputing the debt. Later that day he called back and also called again XX/XX/XXXXXXXX XXXX XXXX
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2023 I reached out via phone in an attempt to find a resolution for this account. XXXX XXXX (? ) advised that this account could be settled until XX/XX/2023 for 50 % of the {$750.00} reported balance. As this account was incorrectly sent to collections and is a result of fraud, I reached out to the credit bureaus to dispute this. On XX/XX/2023, I again spoke with XXXX who advised that they ( being the original creditor, XXXX ) would not authorize a settlement for less than advised. She advised any settlements no in the full value would be subject to remaining on my credit reports as settled for less but would be unable to be permanently removed without full payment. Full payment would also only result in a request to remove as a good will gesture. On XX/XX/2023, XXXX advised that she did not advise this and that she asked to extend this settlement amount. I asked to speak to another agent and the line was disconnected. Upon calling back, I spoke with agent XXXX XXXX who advised that this account was previously held with a law firm. He advised that he can see multiple dispute attempts but they were denied for being meritless. He advised that XXXX is not the holder of the debt but that they service the debt. His agitation and continued refusal to allow me to simply reiterate his words was condescending and rude. The information provided was contradicting. As their operations closed at XXXX XXXX, he ended the call. I am legally severely XXXX XXXX and have several other health concerns. This agency nor the original creditor has made any reasonable attempt to rectify this issue. I feel taunted and have yet to find a resolution for removing this without paying/settling. I would like to ask that the CPFB cease allowing this agency to report any information regarding any accounts owned/previously believed to be owned by me. I do not have a contract with this agency and contracts with XXXX were fraudulently entered. I look forward to a prompt and positive resolution.
Company Response:
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A