Date Received: 2023-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received calls and letters from the Debt collectors [ National Credit Systems , Inc ] after they added the dept to my credit report as a negative item. I called them to ask for a debt verification letter and sent them mail to remove the debt from all credit bureaus if they could not prove the debt, and they are not willing to do so
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2018 the residence at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IN XXXX, managed by the XXXX XXXX XXXX XXXX was leased and rented in my name without my knowledge. At the current time, I was a resident of XXXX XXXX XXXXXXXX and had been living solely in XXXX for all of my life, even residing in a XXXX XXXX in XXXX XXXX, XXXX XXXX for two and a half years. There is no possibility that I could have leased this apartment and thus lived in the apartment either. I am currently being held liable for {$8400.00} worth of debt that is not mine. There are also many inconsistencies in the leasing agreement and ledger balance that pose an issue.
Company Response:
State: NY
Zip: 11722
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: National Credit System, phone number ( XXXX ) is the creditor for XXXX XXXXXXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX -- This is reported on my credit report as negative in XXXX of 2020. This is fraud. I have never been to Georgia and therefore never stayed at some apartments. I have tried disputing this multiple times. My purse was stolen along with all my information 3 plus years ago and this is obviously a result. I have had to pay for XXXX ( credit monitoring ) to try and keep my credit info blocked which has helped but sometimes on my reports their will be people in XXXX TX as well that are using my SSN number at their apartments. I just want to get this off my credit report because it is not ME. It is fraud.
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: 2023-01-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2023 Call them to send proof that is wasnt no damage done, And that they refused my money from XXXXXXXX XXXX .In the amount of XXXX so I wrote to the judge of way I should not get put out doing XXXX XXXX time was going on. Now I got a XXXX something fee state in I owe I was on a month to month lease XXXX XXXX did a walk through as i has move out in my 30 days window point.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXXXXXX WASHINGTON, DC XXXX XXXX XXXX XXXX REQUEST LETTER TO WHOM IT MAY CONCERN : Received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Not saying they are reporting right or wrong. Just saying that I am not XXXX percent sure rights to challenge anything, I am not sure is accurate. Some of the people reporting things on me, I have never heard of, made me write to you all. Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? Heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted- if they are not XXXX percent correct. So, could you please check on these and get back with me? Saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not, correct them. Would like these accounts removed from my credit report immediately or will have to file lawsuit against the following companies etc. : XXXX, XXXX, XXXX, following companies who keeps violated me of my privacy. In accordance with Fair Credit Reporting, everything must be 100 % accurate on my credit report. The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, GA XXXX XXXX Closed Account : XX/XX/XXXX of as XX/XX/XXXX, the agency reported that, I was late on my payments, and this was injustice evictions due to, I was never served by management company or courts. XXXX XXXX XXXX refuse to send over the XXXX and took payments from ( Maryland XXXX Assistance payments from other residents and but refuse to process my payments cause, I was an employer who they had sign ( 2 ) leases, I wasn't never served by the courts or property XXXX. I never knew when my court date was at all. XXXX XXXX XXXX, on XX/XX/XXXX, just reported without my consent that, I was late on my rental payments. Reporting : XX/XX/XXXX through XX/XX/XXXX delinquent payments and of as ( XXXX ) months of delinquent payments etc. XXXX, XXXX, XXXX has been reporting payments late in the amount of {$10000.00}. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. Please Investigate if every piece of information is correct. If not, please remove it from my credit report. Results : Theses accounts are hurting my credit and with inaccurate information for my family where we can not purchase a car or home due to negatively reporting on my credit report. Attached is a copy of my report with the accounts in question circled. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, Attorney General of Washington XXXX DC XXXX Consumer Financial Protection Bureau XXXX XXXX, Attorney for XXXX XXXX
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I moved into XXXX XXXX apartments in XXXX, South Carolina on XX/XX/XXXX as a subletter with a subletting lease facilitated by XXXX XXXX. At the time XXXX XXXX was managed by XXXX XXXX XXXX. I filled out a form provided by XXXX upon move-in detailing all existing damage to the unit, mostly paint chipping, and took photos of the existing damage ( attached ). I moved out on XX/XX/XXXX at the end of my lease with a smooth checkout process facilitated by management, no damages incurred during my stay, and all debts ( rent ) paid. I was contacted by a debt collector in fall XXXX regarding {$270.00} owed to XXXX XXXX for the unit damages that were already there and reported upon move in. I was never contacted by XXXX or XXXX directly regarding these charges. I asked the debt collector to dispute the charge, but was not able to get in contact with them again after the initial call. I tried calling XXXX XXXX to dispute the charge, but they are under new management and have no records of me or the woman who I subletted from, nor any records of debts owed by me. I tried getting into contact multiple times via phone and email with XXXX but was not able to reach them. The debt owed has now hit my credit report, with a significant impact lowering my score from XXXX to XXXX, and I am told this will remain on my report for 7 years. I tried disputing this with XXXX XXXX, however they verified the charge with little explanation of their research into the dispute and have kept it on my credit report. I am hoping to have this incorrect charge revoked and removed from my credit report. As I am looking to buy a home in the near future, this impact of a wrongful charge will severely impact my ability to secure a mortgage and have a very large negative impact on my life for a debt that I do not owe. I greatly appreciate your help in reversing this and helping me to clear up this misdirected charge.
Company Response:
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I reached out to National Credit Systems for debt for XXXX on my credit report also for XXXX I reached out to creditor and they have incorrect DOB AND ADDRESS, also wrong XXXX XXXX XX/XX/2016 I was a victim of ID theft. Police report # XXXX. There is several accounts opened opened fraudulently. Also for XXXX XXXX XXXX opened on XXXX. Also there is an account for XXXX XXXX INERNATIONAL {$6200.00}, AND LASTLY THERE IS AN AUTO LOAN WITH XXXX XXXX BANK FOR XXXX.
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I lived at XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX ( Contract Dates ). I actually left on XX/XX/XXXX XXXX XXXX days after ). I had notified the apartment few days prior to my move-out day that I had an emergency that would make me stay a few days after.. I cleaned the apartment thoroughly before I left. I took and still retain video record of the apartment just before I left. The room was in sparkling condition - No broken blinds, no scratched walls, and no ripped carpets. See attachment for breakdown of these fees as provided by the debt collection agency. Due to file size concerns, I have attached a compressed copy of the move-out video recording. I would happy to provide the original copy, if requested for evidence. Subsequently, the property management company XXXX XXXX XXXX Apartments ) wrongfully used my deposit to renovate ( remodel ) the unit. And further charged me XXXX months rents for leaving the property XXXX days late. This is wrong, unfair, and unjust. XXXX XXXX Apartment XXXX XXXX XXXX Company ) is now going through the National Credit Systems , Inc. ( Debt Collector ) to recoup the rest of the frivolous charges from me.
Company Response:
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: CONTACTED ME THIS MORNING BY TELEPHONE. I have previously requested the FULL AGREEMENT INCLUDING APPLICATION OR ORIGINAL AGREEMENT WITH SIGNATURE from NATIONAL CREDIT SYSTEMS which has NOT BEEN PROVIDED. I have NO CONTRACT with XXXX XXXX XXXX. I DEMAND THIS REPORTING ACCOUNT TO BE REMOVED IMMEDIATELY FROM MY CONSUMER REPORT.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A