Date Received: 2022-12-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I submitted a letter for validation/correct information over 30 days ago with no response.
Company Response:
State: LA
Zip: 70058
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: The apartment complex XXXX on XXXX has fraudulently added a debt on my report. I don't owe anything because I was XXXX XXXX ( XXXX ) assistance. I had zero rent.
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 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: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a copy of my credit report and I found all of these fraudulent accounts and hard inquires that were fraudulent as well National Credit Syst open on XX/XX/XXXX in the amount of XXXXXXXX XXXX XXXX XXXX open on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX XXXX open on XXXX in the amount of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX XXXX open on XX/XX/XXXX in the amount of XXXXXXXX XXXX open on XX/XX/XXXX in the amount of XXXXXXXX XXXX open on XXXX XXXX the amount of XXXX Hard Inquires that was opened XXXX/XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX/XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: National Credit Systems XXXX This huge debt is affecting my family. I can not rent anywhere due to this debt by XXXX XXXX XXXX send my name to National credit Systems. Its unlawful i left the month my lease ended and left everything clean/ perfect conditions. This debt is keeping me stuck please i need this removed. My family deserves a good home and i can not move anywhere with this debt attached to my name. The only flaw in my credit is this. please remove this. Ive been living with family because no place will rent with this on my credit. please remove this debt from my name im at my lowest.
Company Response:
State: TX
Zip: 75228
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Didnt receive any notice of this debt.
Company Response:
State: MI
Zip: 48504
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I used to live in apartment complex in XXXX and left with good terms. They should send me my security deposit by mail within 2-3 months after I left the facility, but never happened till today. A year after I left the appartment complex I found a mail from the collection to pay a debt of {$380.00} to them. I took the letter to the managment of that apartment complex and they promised to take me off the collection and send the security deposit to my new address. It has been 2 months and my credit score hurt so bad and I am still under collection for a debt I never owned for them.
Company Response:
State: MD
Zip: 21093
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: No
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: My name is XXXX XXXX, a former resident of XXXX XXXX XXXX I moved in on XX/XX/XXXX and I vacated on XX/XX/XXXX ( due to XXXX XXXXXXXX in a previous relationship with my boyfriend ). The week of this incident I contacted XXXX regarding releasing a key to my unit to my aunt so she could be escorted with law enforcement to grab my belongings from the unit, on XX/XX/XXXX I contacted XXXX and explained the situation she granted permission for my aunt to come. I then sent my aunt a text providing her contact and address ( see attachment of text screenshot ). My aunt did come on that day with law enforcement. At this time, I was already gone, and my boyfriend was there. The next following week or so I reached back out to XXXX to advise her I will not be returning to that unit, she then advised me on the phone that she will process everything and reach back out to me with any fees that will be owed but insured me all fees including the lease termination fee will be waived. She did not reach out back out until XXXX to inform me of minor fees and a missing washer and dryer ( which later was discovered we brought our own dryer and washer ) and informed me she was waiting on the invoice for the paint job for the dining room wall and she will contact me when she has the information which never happened. On or around late XXXX I received a call from a collection company for a balance of {$2600.00}. On XX/XX/XXXX, my boyfriend XXXX was in XXXX for business and he stopped by XXXX to address this matter. He sat down with XXXX, XXXX stated XXXX can not waive any fees or etc. because she does not have the authority too, XXXX was not at work this day. XXXX questioned the fees, etc. because it was all wrong and was not the correct amount. XXXX stated she will speak with XXXX and reach back out to us, which never happened, he contacted her almost XXXX weeks later I believe. All incoming calls are recorded so it was extremely easy for XXXX to pull the call me and XXXX had regarding this however she did not. This reporting is inaccurate information which is a ground for deletion and non-pay since this is hereby a violation per FCRA. I have no issue in doing so but I have other things I can be doing besides an issue that is so easy to solve and this should have never reached this point if job duties were conducted. XXXX is stating a balance of {$2600.00} XXXX Plan XXXX Trash XXXX Cleaning XXXX Blinds XXXX Wall Fee XXXX Wall Fee XXXX Utilities XXXX XXXX Fee XXXX Moved out XX/XX/XXXX My concerns and request : XXXX ) The ledger does not add up to {$2600.00}, please break down the price equaling to the total amount. XXXX ) I moved out XX/XX/XXXX. I would like this corrected and prorate corrected. XXXX ) Utilities prorated amount is incorrect XXXX ) XXXX XXXX XXXX Notice fee is not removed It was made clear to XXXX & XXXX XXXX XXXX this balance is no issue ; however, the issue is the balance is not correct. I sent the police report and the protection order as well. Once XXXX discovered that this was an issue then she could have called the collection company to place this account on hold until she reviewed everything so it would not hit my credit reports for an error that should have never taken place and/or had the collection account sent back to XXXX. All I am requesting which is all I have been saying since all this started is the amount correct so it can be paid, now it has hit my credit file so I am requesting this account be pull out of collection, removed from my credit file, and sent back to XXXX for adjustment so I can make a payment and be done with this issue, So, it is removed from my credit file. Paying whatever is owed is not the concern at all. I have attached several emails, GA power disconnect notice request, screenshot of me asking my aunt to get the key, U-Haul pickup, etc. to verify such dates and information. All I am requesting is this is corrected so I can pay when it's done but most importantly, removed from my credit file. I never recieved any nofications from XXXX XXXX XXXX at all to dispute this information. It was placed on my credit file with a balance of XXXX, months later they updated the balance to XXXX in which I do not know why. The amount owed is false/wrong. The reporting was wrong and inaccurate in which is true a FCRA violations.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do not have a debt or a contract with National Credit Systems and they are reporting inaccurate information on my credit report on XXXX. I dont give them permission to report this information and ask for an immediate removal
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
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: XX/XX/XXXX ; National Credit Systems reported to XXXX a debt from XXXX XXXX of {$1600.00}. I disputed with XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) about the validity of the debt. XXXX only listened to the National Credit Systems and repeatedly sided with them stated, the debt was verified as valid. XX/XX/XXXX, I filed a complaint with Magistrate Court of XXXX XXXX and the debt was reduced to {$230.00}. This debt was paid on XX/XX/XXXX. This debt is still posted on my credit file.
Company Response:
State: GA
Zip: 31605
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A