Date Received: 2023-01-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Incorrect credit reporting. XXXX. No response when trying to settle. National Credit System Acct XXXX ( collection for XXXX ) Phone # XXXX Balance {$3900.00} Being transferred to a law office that wont return my calls or emails. Cant settle debt that we dont even owe. My signature IS NOT on the form.
Company Response:
State: FL
Zip: 34231
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My credit shows that in XX/XX/XXXX, there is a debt collection of {$620.00} on my SSN, owed to National Credit Systems, with the original creditor XXXX XXXX XXXX XXXX XXXX. First of all, I never lived in that apartment, nor have I visited it. Secondly, this debt collection occurred before I received my social security number ( I received my SSN in XX/XX/XXXX through my employer ). I contacted the company in XX/XX/XXXX, and an employee at XXXX XXXX XXXX received my call, and couldn't do anything about it. They confirmed that they managed that property XXXX XXXX XXXX XXXX during that period of time.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received a notifications on all of my credit reports regarding a debt collection that National Credit Systems placed in my credit reports. This is regarding a apartment complex that my daughter rented an apartment called XXXX XXXX in XXXX. I have not received any form of communications from either the apartment or the Collections Company and I want this removed from my credit report for that reason.
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Ive been dealing with XXXX XXXX XXXX, identity abuse and abuse towards my credit report from XXXXXXXX XXXX XXXXXXXX XXXX As of, XX/XX/XXXX, Ive been going back and forth with the company via emails ( XXXX, XXXX ) and phone calls on several occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding my security deposit ( {$1100.00} ), in which has not been returned to date. I became a victim of XXXX XXXX on XX/XX/XXXX and within XXXX XXXX I was asked to vacate my dwelling due to the XXXX. Ive filed reports with XXXX on XX/XX/XXXX on this matter, and the XXXX XXXX XXXX on XX/XX/XXXX. The Property Manager XXXX responded to XXXX on 3 different occasions and never stated a balance was owed ( which is false ), she advised the XXXX that I couldnt receive my security deposit because the lease wasnt met ( my 1 year lease was met as of XX/XX/XXXX and I never signed a new one ). Then all of a sudden I get a Letter dated XX/XX/XXXX stating a debt is owed ( {$1200.00} ) to the apartments and threatening that my credit will be damaged. This Business has caused a great amount of stress in me and my children lives and still damaging my name by reporting inaccurate information on my report. The Attorney General has yet to follow up and Ive sent them follow up emails on XX/XX/XXXX and XX/XX/XXXX. I have all necessary documents and all will be attached below. Not once did the Business state a debt was owed.
Company Response:
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2023-01-11
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 is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: UNDER 15 USC 1681i ( 7 ) Method of verification this account is in viloation it was reported without valid evidence Under 15 US CODE 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation any credit transactions supposed to be excluded from a consumer credit report if a social security card was used in transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The original creditor as listed on my credit is XXXX XXXX XXXX XXXX XXXX MAIN APTS the account was open in XXXX but its listed on XXXX as it being open on XX/XX/XXXX I did a 1 year lease. I moved out to another state and they have placed it on my account showing I owe XXXX which is inaccurate and I have tried contacting them on numerous occasions in order to see how is that possible. It's still showing the account is open and it last reported on XX/XX/XXXX. It's listed as National Credit Systems on my credit report.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
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: See complaint XXXX XXXX XXXX XXXX has added a collection claim to XXXX XXXX XXXX credit report rather than responding to the validity of the debt as request in the subject complaint. This behavior is predatory and unjustified. The validity of the debt has been challenged with XXXX as well as XXXX and XXXX XXXX and was previously removed by them except for XXXX XXXX who have not responded
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX of XXXX I was contacted by a fake debt collector by the name of " XXXX XXXX '' within National Credit Systems. As a result, a fraudulent debt of {$6500.00} was put on my credit file related to " renting an apartment '' with no link to my home address history. I have disputed this fake collection to XXXX XXXX XXXX multiples times now on the CFPB. The credit reporting agencies are refusing to investigate & remove the fraudulent collection saying to " please contact the creditor '', being national credit systems. I have attempted to file a police report of this situation related to identity theft however it was not approved as this information is taking place online and not within my department " local jurisdiction ''. I have emailed national credit systems to remove the fraudulent debt with no response since XX/XX/XXXX. Today us XX/XX/XXXX and I do not feel Safe contacting national credit systems and need the CFPB government agency to order them to delete the collection from all platforms.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account was brought to attention XX/XX/XXXX called XXXX XXXX XXXX got told they can bring down the total amount from XXXX down to XXXX which would make the account paid in full which I agreed upon XX/XX/XXXX called back spoke with XXXX the whole time paid the balance which we agreed on the XXXX a few days past by I go check my account still shows I owe XXXX $ which was not part of the agreement the account should be paid in full
Company Response:
State: AZ
Zip: 85746
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A