National Credit Systems,Inc

2019-08-13

York, PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft fraud ect. i disputed with all 3 major credit companies XXXX and XXXX removed it over a period of time and years of disputes XXXX wont take it off.I contacted XXXX and the collection agency in question XXXX said they would send me out a fraud pack 3 weeks ago it never came all i got was a paper stating what i owe the collection agency ive been calling them and even paid them {$99.00} to help remove these items from my credit nothing happened they said i would see results in 3weeks but nothing happened. I received a payment failure notice for another {$99.00} from XXXX but refuse to pay them because it seems im paying for nothing
Company Response: Closed with explanation

Timely Response

2019-08-13

Oak Grove, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The original creditor had a judgement posted against myself, but the judgement was then moved to another person 's name via the state court system. I had an attorney contact their lawyer and provide them with paperwork stating the debt was no longer in my name in XX/XX/XXXX. On XX/XX/XXXX of this year, I receive a notice from a debt collector still trying to collect the debt. I sent a certified cease & desist letter to the debt collector today ( XX/XX/XXXX ).
Company Response: Closed with explanation

Timely Response

2019-08-13

Rncho Domingz, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-08-12

Syringa, VA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I paid a third party ( really, fourth party - a fake law office ) which is somehow connected to National Credit Systems. In a recorded phone call, I reiterated back before giving consent to charge my credit card, that this would include the deletion of the debt. The agent said it would include the deletion of the debt. Prior experience is that debt deletion isn't difficult. You just tell the credit bureaus to remove it and they do. So after being told " I missed the cut off date '' for XXXX, I waited. 3 weeks later it's still on my credit. Since National Credit Systems doesn't feel like honoring their obligation, I no longer feel like honoring mine and I have requested a chargeback from my credit card company. This company is a scam. They should not be allowed to operate in any capacity.
Company Response: Closed with explanation

Timely Response

2019-08-12

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-11

Louisville, KY

Written notification about debt

Debt collection: Mortgage debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: I what to know HOW u take late rent deposit that was XXXX and security deposit of XXXX and the whole walk through of the apartment with apartment management at the time I have the paper he checked all PROBLEM and no problems .The funny thing about everything I moved out in XXXX XX/XX/XXXX And I what to know how u change a person move on date when I moved in on XXXX XXXX and I know you can't a person move date ur first lease is the right lease agreement u make and they change it to XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2019-08-11

Arlington, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-11

Fort Pierce, FL

Threatened to contact someone or share information improperly

Debt collection: I do not know

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2019-08-10

Albuquerque, NM

Took or threatened to take negative or legal action

Debt collection: I do not know

Collected or attempted to collect exempt funds
Complaint: I was illegally evicted from an apartment complex in 2013 and am still appealing the original sham court 's rubber stamp decision for the plaintiffs for constitutional, other statutory and civil procedural errors. The case is now pending in the New Mexico Supreme Court, Case No. XXXX. I believe that is enough to have the debt removed from my credit bureau reports. However, my sole income was and remains SSDI, which is exempt from collection. So the CRA is breaking two laws. My friend, former roommate and co-appellant in the pending NMSC case, XXXX XXXX, is DECEASED.
Company Response: Closed with explanation

Timely Response

2019-08-09

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-08-09

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I pulled my credit reports a few months ago. I noticed that this company reported some debt that does not belong to me. I have disputed this debt thru the credit bureaus and it came back as verified. I filed some identity theft reports with the FTC, I filed a fraud affidavit with this company and have emailed to their collection manager XXXX XXXX and I have yet to hear anything about this. I have also contacted the credit bureaus to put a security freeze on my reports as well. I also found out that this company has this on my credit report but this debt does not even match my social security number, my social security ends in XXXX they have it listed ending in XXXX. I have also noticed on my credit reports that it states XXXX is reported as a variation of my real social security number and this company is the cause of this. so how in the world its listed on my credit reports. This is my LAST STEP in getting this resolved and removed. My very next step is to file a lawsuit. I take my credit seriously and this matter has not been resolved yet and I am furious.
Company Response: Closed with explanation

Timely Response

2019-08-08

Washington, DC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-08-07

South Florida, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: My information was leaked during a data breach and come to find out, my personal information was among million of american who information was leaked as well. i have been a victim of identity theft and recently I've noticed that my information and name was used to open an account.XXXX, XXXX and XXXX, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, fraudulent incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS LEAKED IN A RECENT DATA BREACH WITH XXXX, XXXX XXXX. I AM ALLOWING 3 BUSINESS DAYS ALONE FOR THIS MATTER TO BE RESOLVED WITHIN THE TIME PERIOD OF AN INTERNAL INVESTIGATION. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off immediately. All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly delete all information which can not be verified. Account Name : NATIONAL CREDIT SYSTEM {$1300.00}. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I AM ALLOWING A TOTAL OF 3 BUSINESS DAYS FOR THIS MATTER TO BE RESOLVED. You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. If your company, XXXX, fails to comply with federal regulations by credit reporting agencies, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non- compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. Thank you,
Company Response: Closed with explanation

Timely Response

2019-08-07

Chicago, IL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: On XX/XX/XXXX I Move out of XXXX XXXX XXXX @ XXXX in the morning. I left the keys to the unit and garage remote in side of the property before leaving there was no Damages done to the unit or property. I clean my unit from top to bottom No trash or furniture was left behind. I left XXXX XXXX XXXX on good terms. I reach out to the property manager XXXX over at XXXX XXXX XXXX on XX/XX/XXXX i still havent receive my security deposit {$530.00} from them since I move out over 2 in A half months ago. XXXX told me she will follow up on it XXXX got back with me on XX/XX/XXXX with the status of my security deposit she told me I should be expecting it by mail to my new address on XX/XX/XXXX Before ever receiving my security Deposit {$530.00} And 6 days After I already move out of the unit XXXX the property manager over at XXXX XXXX XXXX ask me if I can leave them a 5star review on XXXX XX/XX/XXXX I did just that She then said to me You Rock XXXX she wish me the best of luck in my new Endeavor and you will be miss at XXXX On XX/XX/XXXX I fill out a rental application for a house that I like for me and my children. I was told My application was denied for the that home because I had a outstanding payment to my previous landlord property over at XXXX XXXX XXXX in the amount of {$530.00} I was devastated To find out they will do me like this after waiting 3months for my security deposit. so I immediately started reaching out to XXXX and their creditor National credit system on XX/XX/XXXX I spoke to XXXX over at XXXX XXXX which is XXXX assistant because XXXX was on vacation. XXXX was unable to tell me the reason why they put this on my credit. XXXX also inform me she was unable to help me with anything else because she dont have the clearance to do so. XXXX then gave me the customer service email to speak to somebody higher and that my have clearance to fix the situation On XX/XX/XXXX I email XXXX XXXX HR customer service letting them know this is a false allegations this is a serious matter which is affecting my rental history I demand someone to reach back out to me I left my contact information. On XX/XX/XXXX HR customer service reach out to me and told me by email that I needed to contact there creditor at credit nation systems to fix the problem with them. I did just that I call credit National system asking them to removing this false debt and they told me they cant take it off my credit until XXXX tell them to do so. I call XXXX talk to XXXX again told her what credit national told me and she said well its nothing we can do on our end. Now I feel as if Im getting the run around with XXXX and their creditor credit national system so I reach back out to XXXX XXXX customer service demanding again for someone to call me this matter is urgent In is affecting my rental history and now I wont be able to move anywhere. I patiently waited No one reach back out to me in regards to this matter I repeatedly sent emails to XXXX XXXX customer service and call Credit National still Nothing could be done. On XX/XX/XXXX I receive two letters in the mail from National credit system Inc stating on behalf of XXXX XXXX I now owe a outstanding debt of {$850.00} the second letter from them was for another person whom I dont know .. I believe they have my information mix with someone else I dont know whats going on I know for a fact I dont owe XXXX XXXX any money I left them on good term my security deposit was due to me in the amount {$530.00} now they saying I owe them {$850.00} something dont add up and it XXXX sure dont make sense
Company Response: Closed with explanation

Timely Response

2019-08-06

SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was alerted by XXXX, XXXX and XXXX that the collection agency by the name of National Credit systems added a file to my XXXX XXXX in the amount of {$1100.00}. Since then I have disputed this account with XXXX, XXXX, XXXX, and National Credit system. I have requested Debt Validation on XX/XX/2019, XX/XX/2019, and most recently on XX/XX/2019. On XX/XX/2019 I requested a copy of a signed leased to prove debt validation through the XXXX XXXX XXXX, but received a statement of deposit with a hand written note saying I was evicted. National Credit Systems continues to report false information on my credit report and has caused my XXXX XXXX to diminish.
Company Response: Closed with explanation

Timely Response

2019-08-06

Columbus, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NATIONAL CREDIT SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NATIONAL CREDIT SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NATIONAL CREDIT SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where NATIONAL CREDIT SYSTEMS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.NATIONAL CREDIT SYSTEMS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Company Response: Closed with explanation

Timely Response

2019-08-05

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-03

Saint Clair, MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Collection agency national credit system Couldnt verify the amount and reason owed when call landlord XXXX XXXX XXXX directly couldnt confirm anything due to new landlord XX/XX/2019
Company Response: Closed with explanation

Timely Response

2019-08-02

IN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2018, about three months after moving out of XXXX XXXX XXXX apartments in XXXX I noticed a derogatory remark on my credit report saying I owed {$97.00} in utilities and it had gone into collections. Over the 12 months of living at XXXX XXXX XXXX apartments, I paid all my rent and other fees on time and was under the impression that nothing else was owed so this came as a shock to me. I contacted XXXX XXXX XXXX apartments and they said they had sent letters to my apartment after I had moved out which would explain why I never got any notice. I have also sent letters to National Credit Systems - the creditor for this debt - asking for this derogatory mark to be removed from my credit report once I pay the amount owed but I've heard nothing back.
Company Response: Closed with explanation

Timely Response

2019-08-02

Irving, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-08-02

Glendale, CO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I had a lease with my ex but i had to move out as the relationship ended. He handled the lease.but i went to the leasing department to get my name off the lease, Since then i have seen a XXXX follection on my credit report from a collection company but no one will send me a detail for what its for. Please help. That is way higher then it should have been even if i was on the lease.
Company Response: Closed with explanation

Timely Response

2019-08-02

Dallas, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-08-02

Irving, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-08-01

Walnut Spgs, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-07-31

Briarwood, KY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response