Date Received: 2022-12-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received my move out statement from my landlord. We disagreed and i disputed the charges within a week. XXXX called and i let them know Ive sent a dispute and waiting for a response. No response from the landlord so i took initiative to call XXXX for a follow up. XXXX XXXX was not in office at time so i left a voicemail stating my concern and requesting a call back ASAP. No response from the landlord proving the debt or countering my dispute. No response for XXXX after i made efforts to resolve this matter. My credit has been terribly damaged and XXXX keep sending letters in the mail threatening to take legal action/garnish wages but cant do their due diligence. I havent even made a payment plan with XXXX. Both company and landlord has refused to communicate and have ignored my disputes. I want this removed from my credit immediately as i havent received proof or response to my disputes.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
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 sent a letter on XX/XX/2022 to National Credit Systems. My tracking number was XXXX. However the letter was sent back and the address was listed as unknown, although the address is on my credit report. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know whose address is on my credit report under National Credit Systems.
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Fraudulent collections account. i viewed an open apartment years ago they then called me about an existing balance I asked them how they couldnt give a direct answer. i have never done paperwork business with this company i only viewed an apartment here.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 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 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number XXXX XXXX open date inconsistent and or duplicate account. XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This company continues to call me requesting payment on an account that has been closed and settled with the original creditor. National credit systems continues to ask me for the receipt and a copy of my bank ledger which I have provided to them multiple times and they still will not close my account.
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I DONT KNOW THIS ACCOUNT
Company Response:
State: FL
Zip: 33010
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is the second or third time I have filed a complaint over an account from a 3rd Party collection agency that I have never done business with. I demand a re-investigation of the following account : NATIONAL CREDIT SYSTEMS XXXX XXXX I have no record of this account and I never received any documentation of notice before this account was added to my credit file.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: National Credit Systems and XXXX has violated my rights and this is my last go round with them before going to court. Not only were dates altered by XXXX and the leasing office according to XXXX website and XXXX attorneys, XXXX was supposed to send me a bill directly from Its company XXXX before sending over my personal information to National Credit System. XXXX has allowed this company to be rude and nasty to me over the phone. I will not stand for it anymore both companies will be liable for punitive damages. I have attached documents showing XXXX responsibilities and protocol. This protocol was not followed at all and for this reason I will personally filing a lawsuit against XXXX and National Credit systems. XXXX was supposed to send me a statement not a collection agency. XXXX was suppose to give me the opportunity to dispute and correct it with them prior to sending my personal information to National Credit Systems.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Not enough information to involve me to " debt '' Furnishing False inaccurate information to credit reporting agencies Cease and desist all communication resulting from this alleged debt. I am not requesting any further validation of alleged debt as obtaining nonpublic personal information without my lawful authority has occurred and constitutes as non aggravated identity theft 18 USC 1028A. I have reasonable cause to believe that National Credit Systems Inc. are conspiring to collect unlawfully through fraudulent allowance of my identities use.
Company Response:
State: AZ
Zip: 86314
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I want to dispute this debt because this debt is wrong. The Assistant Community Director reached out to me via email and said, Ok since it was no notice given, you will be charged a for rent in XXXX plus a retlet fee of {$800.00} and an early termination fee of {$940.00}. Also, a trash out fee of {$150.00} since it was furniture left in unit. I will send your final account statement shorlty. Thank you. She never sent me a final account statement for me to make a payment or reached back out to me. Today, I just received a letter from XXXX stating I owe Residence at XXXX XXXX XXXX {$2900.00} which doesnt add up.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A