Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #15959046
Complaint Overview
Complaint ID: 15959046
Company: National Credit Systems,INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Texas
ZIP Code: 77082
Date Received: 2025-09-15T12:00:00-05:00
Date Sent to Company: 2025-09-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently discovered a {$700.00} collection account on my credit report, reported by National Credit Systems on behalf of XXXX XXXX XXXX, where I previously lived with my boyfriend. The charge is allegedly for property damage, including a small hole in the flooring and a hole in the door. However, I had formally removed myself from the lease prior to the end of our tenancy. I was never asked to re-sign any documents or provide consent to be added back. Despite this, the apartment complex appears to have illegally re-added me to the lease without my knowledge or signature, making me appear financially responsible for damages I was not legally obligated to cover. To make matters worse, all communication regarding the charges was directed solely to my boyfriend. I was never contacted directly, never given an opportunity to dispute the charges, and never informed that I was being held liable. This lack of contact violates my right to due process and raises serious concerns about the accuracy and fairness of the reporting. As a result of this unauthorized action, my credit score dropped by XXXX points, and I now have a derogatory mark on my report that I believe is unjustified. I am requesting the following : Proof of my lease status at the time the charges were incurred Itemized invoices or receipts showing actual repair costs Photos or inspection reports documenting the alleged damage Removal of the collection account from my credit report if the debt can not be legally verified I am prepared to file formal disputes with the credit bureaus, submit a complaint to the Consumer Financial Protection Bureau, and pursue legal action if necessary. I am not refusing to take responsibility for anything I legally owebut I will not accept being held accountable for charges tied to a lease I was no longer part of. .
Frequently Asked Questions
What is Complaint #15959046 about?
Complaint #15959046 was filed against National Credit Systems,INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-09-15T12:00:00-05:00.
How did National Credit Systems,INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against National Credit Systems,INC.?
Yes, visit the National Credit Systems,INC. company profile at readthecomplaint.com/company/national-credit-systems-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.