11740540
|
2025-01-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2025-01-25
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-25
|
|
11718781
|
2025-01-23
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2025-01-23
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-23
|
|
11708058
|
2025-01-22
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Rental debt
|
Date Received |
2025-01-22
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-22
|
|
11503355
|
2025-01-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Rental debt
|
Date Received |
2025-01-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-13
|
|
8310387
|
2024-02-08
|
False statements or representation
|
Debt collection
|
|
Tags |
Servicemember
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Rental debt
|
Date Received |
2024-02-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-02-08
|
Complaint What Happened |
The collector sent me a letter dated XX/XX/XXXX with an amount of {$3900.00}. The letter indicated I had a right to dispute the debt by XX/XX/XXXX. The letter also saids I can dispute this debt directly through their website XXXX. I disputed the amount on XX/XX/XXXX via their website and wrote on the letter as a reminder.
Nearly a month had gone by and I had not heard back nor received a letter with an itemized breakdown of the charges. So, I went back to their website and filled out there contact form and submitted a request to follow up on XX/XX/XXXX. I screen recorded showing the date and time and the request I submitted just in case.
Fast forward to XX/XX/XXXX, my mother and I received a notification that the debt was reported to the credit bureau and showing on our reports. My mother called and spoke to a XXXX XXXX, who offered to get the account paid in full for {$1900.00}. My mom asked me to call in to handle the account as I was the primary. I called and spoke to XXXX XXXX and I immediately requested to understand why the collector did not honor my dispute request to show me a breakdown of the charges and proceeded to report it to the bureaus. XXXX XXXX claimed that I never submitted anything through their website. Which was false and I was attempting to file the screenshots and recordings I took, he transferred me to his supervisor.
I then spoke to XXXX XXXX who I went back and forth with as she did not believe me and was continuing to claim that I never submitted anything through their site. Despite all the proof I have and was working on sending to her. She sent me an email with charges, but there was an amount listed for {$2400.00} and labeled as " Other ''. I asked her to explain those charges and she could not. I also explained to her the charges I had made several attempts to dispute with the leasing company before the charges went to debt collection. She did not believe me. I told her I would respond to her email with all the proof I have and which I did as of XX/XX/XXXX at XXXX XXXX. The email she sent me was not a direct one and a standard inbox.
It appears they are running deceptive practices with their website, telling people to dispute through their website so that when individuals do, they can claim nothing was ever submitted and proceed with collections. I never received any confirmation email for the 2 times I made submissions on their website. I was fortunate enough to record my screen at the time so that the date and time showed as I feared something like this would happen. This debt should have never been sent to the bureau until it was validated and I should have been given a timeframe to pay down any actual owed debts before sending it over.
|
Consumer Consent Provided |
Consent provided
|
|
11716822
|
2025-01-23
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-23
|
|
11491703
|
2025-01-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2025-01-12
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-12
|
|
11711513
|
2025-01-24
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Threatened or suggested your credit would be damaged
|
Sub Product |
Rental debt
|
Date Received |
2025-01-24
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-24
|
|
10924994
|
2024-11-26
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Rental debt
|
Date Received |
2024-11-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-26
|
Consumer Consent Provided |
Consent not provided
|
|
10925140
|
2024-11-26
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Rental debt
|
Date Received |
2024-11-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-26
|
Consumer Consent Provided |
Consent not provided
|
|
10925216
|
2024-11-26
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Rental debt
|
Date Received |
2024-11-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-26
|
Consumer Consent Provided |
Consent not provided
|
|
11682379
|
2025-01-20
|
Electronic communications
|
Debt collection
|
|
Issue |
Electronic communications
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated messages
|
Sub Product |
I do not know
|
Date Received |
2025-01-20
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-20
|
|
11594187
|
2025-01-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2025-01-20
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-20
|
|
10760880
|
2024-11-11
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
I do not know
|
Date Received |
2024-11-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-11
|
Consumer Consent Provided |
Consent not provided
|
|
11505176
|
2025-01-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
Tags |
Servicemember
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2025-01-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-13
|
|
11486677
|
2025-01-13
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
Rental debt
|
Date Received |
2025-01-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-13
|
|
11503408
|
2025-01-13
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Personal information incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-13
|
|
11487735
|
2025-01-13
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Rental debt
|
Date Received |
2025-01-13
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-13
|
|
11528895
|
2025-01-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2025-01-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-14
|
|
11106294
|
2024-12-09
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Threatened or suggested your credit would be damaged
|
Sub Product |
I do not know
|
Date Received |
2024-12-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-10
|
Complaint What Happened |
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.
I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts immediately
|
Consumer Consent Provided |
Consent provided
|
|
11441373
|
2025-01-09
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2025-01-09
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-09
|
|
11582387
|
2025-01-16
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Indicated you were committing crime by not paying debt
|
Sub Product |
Other debt
|
Date Received |
2025-01-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-16
|
|
11508560
|
2025-01-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Rental debt
|
Date Received |
2025-01-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-13
|
|
11476674
|
2025-01-11
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Threatened or suggested your credit would be damaged
|
Sub Product |
I do not know
|
Date Received |
2025-01-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-11
|
|
11474165
|
2025-01-10
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-10
|
|
8268594
|
2024-02-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Rental debt
|
Date Received |
2024-02-01
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-02-01
|
Complaint What Happened |
Hello, I hope this message finds you well. I am writing to address a matter concerning a collection account from National Credit Systems, totaling {$1700.00}, dated XX/XX/2018. The original creditor, as indicated on my credit report, is XXXX XXXX XXXX. The associated account number on my XXXX Credit report is XXXX.
I want to clarify that I have never entered into a lease agreement with XXXX XXXX XXXX. Despite numerous attempts to contact them, I have been unable to resolve this issue. Additionally, I have reached out to XXXX XXXX, XXXX XXXX Supervisor at XXXX, who has confirmed that no records of my existence are present in their system.
I kindly request your assistance in rectifying this matter promptly. It is my sincere hope that we can resolve and remove this discrepancy from my credit report once and for all.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
Consumer Consent Provided |
Consent provided
|
|
11345574
|
2025-01-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2025-01-01
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-01
|
|
11060316
|
2024-12-06
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Threatened or suggested your credit would be damaged
|
Sub Product |
I do not know
|
Date Received |
2024-12-06
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-06
|
Consumer Consent Provided |
Consent not provided
|
|
11683847
|
2025-01-22
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Rental debt
|
Date Received |
2025-01-22
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-22
|
|
11544564
|
2025-01-15
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2025-01-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-15
|
|
11553892
|
2025-01-15
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
I do not know
|
Date Received |
2025-01-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-15
|
|