Date Received: 2023-02-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX is been listed and verified as accurate within credit file. XXXX reporting a collection activity within my profile, which is unverified and in accurate.
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is not my debt. I did not live or sign a lease after 2020. They have me owing for an address I never lived at. This is fraud. I have made numerous complaints with the apartments. They are not responding. I filed a police report and FTC complaint.
Company Response:
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
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: XXXX XXXX XXXX ( NCS ) reported a collection on all XXXX credit bureaus incorrectly for {$240.00} in XXXXXXXX XXXX XXXX for myself and my spouse/co-borrower. I was never contacted by XXXX XXXX, but I did call them XXXX XXXX and offered to pay for the damaged carpet. They told me I would receive an invoice, which never came. However, since I am in the process of applying for a home mortgage with XXXX, I paid the debt in full since they agreed to send me a paid in full letter and would contact each reporting bureau and request the item to be removed. As of today, they have not contacted any agency. I have contacted all XXXX, uploaded disputes, Paid in Full Letter, DL and utility bill. XXXX removed the collection within XXXX hours. XXXX and XXXX have not. I have worked hard on my credit and this is the only collection noted in years. I wanted to fight the remarks, but my loan XXXX said to just pay it. Thank you
Company Response:
State: OH
Zip: 43035
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XXXX XXXX I received a call from XXXX XXXX from National Credit Systems about a collection attempt from a past due rent amount that included other charges for XXXX. Through our conversation she was very argumentative and asked for a payment today. I told her I do not get paid until Thursday and I could not afford to make a payment until then. At the beginning of the call she made reference that they would report to my credit report if they did not receive payment. Towards the end of the call I asked directly if it was going to be reported to my credit report today and she said yes and I said so there is nothing I can do and she no... I then repeated that she has said at the beginning of the call that it would be reported if I didn't make payment and then she replied yes that is correct but you are not making payment. Then she back tracked and said she never said she threatened to report to my credit. She also called me in XXXX and I remember that I was busy trying to get my daughter ready for a funeral ( her grandfather had just passed away ) and I told her she called at a bad time and her first words were you don't even have time if it has to do with your credit report? LISTEN TO THE RECORDINGS!!!! I am not ok with the threats of using my credit report. She is also consistently insuating that I am lieing about what I am disputing and I do not appreciate someone who was not there to even try and discuss the issue at hand. When I asked to speak to someone above her she told me she is the person that handles the escalations and did not allow me to speak to anyone. I even tried to talk to her more calmly and she still went back to trying to argue the situation. Please do not allow this person to continue to treat people this way. Its not how you handle situations and you definalty do not threaten someone's credit report!!!! Again listen to the recordings!!!!
Company Response:
State: IN
Zip: 476XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I moved my old apartment back in XX/XX/2022 period I had fulfilled my lease and was on month to month I'd give him my 30 days notice received confirmation from the leasing office that they received it and when I moved I owe no money I received a letter in the mail mid XXXX from a collection agent agency saying that I owed money for a balance that I owed to the apartments that I previously lived at which was XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX then that was the only letter or notice that I had received at all regarding this issue I do not owe the debt and I collected contacted the property management company however they had ceased operations a month after I had moved from the apartments so no one can get a hold of them I contacted the collection agency to tell them that I did not owe the debt I sent them bank statements receipts that I had gotten from the apartments for all my rent the 30 day notice I had turned in I submitted all Communications I had received to and from the apartment 's emails texts and letters and I dispute it with the credit bureau however I've received no help and they have ruined my credit but I do not owe this debt the property management company simply said I owed a debt and immediately sold it to a creditor which didn't contact me and immediately then place it on my credit report I have filed with the XXXX and Attorney General 's office but still have received no solutions to this problem I do not owe this money I can prove I do not owe this money please help
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Company Response:
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The card open up without my consent. This was an authorized card.
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I wasnt aware of the debt I owed. National Credit Systems never send a letter of validation for the debt originally credited to XXXX XXXX XXXXXXXX XXXX. The account was reported to XXXX on XX/XX/XXXX and I have yet to receive information regarding dispute rights, validity of the debt, and payment options as of XX/XX/XXXX XXXX
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As of XXXX of XXXX my lease end at a {$0.00} balance and was paid by government agency through XXXX XXXX when I reach out to XXXX XXXX XXXX XXXX they acknowledge I do not have a balance with them and they dont have no acknowledgment of the reported balance and this was XXXX XXXX.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was placed on my credit report for rent that I do not owe. I moved out with rent paid in full for the last month at the address. I never received a notice for an outstanding balance before seeing it on my credit. Contacted the company who stated they would resolve the issue and still nothing has been done. There was no updated lease as my lease had expired months before ( XX/XX/XXXX ) and they never renewed so I moved out ( XX/XX/XXXX ) with my balance paid for XXXX My rent was never late and there was no balance when I turned in my key. I have contacted this company on multiple occasions they do not return calls.
Company Response:
State: LA
Zip: 70607
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A