Debt collection -- Written notification about debt -- Complaint #5991884
Complaint Overview
Complaint ID: 5991884
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Indiana
ZIP Code: 46208
Date Received: 2022-09-18T12:00:00-05:00
Date Sent to Company: 2022-09-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
On XX/XX/XXXX, I checked my credit score monitoring service online. I noticed a red star, which means I had a recent alert. It was a collection, filed by National Credit Systems , Inc., XXXX XXXX XXXX, XXXX, GA XXXX. I was informed by XXXX XXXX at National Credit that the collection was for an apartment rental at XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I have NEVER live in XXXX at XXXX XXXX. I live at XXXX XXXX XXXX, XXXX XXXX since XXXX. XXXX sent me a form to fill out and return to National Credit Systems. I file a police report with the XXXX XXXX Police Department. That police report number is included on the form sent back to National Credit Systems. I visited the XXXX at XXXX XXXX apartments and attempted to get copies of documentation showing the use of my social security number and/or birth date. The manager refused my request, The manage informed me that the collection agency had all the documentation and would send it to me upon request. I requested the lease and rental application. National Credit Systems sent the lease but refused the rental application. My social security number nor my birth date are displayed on the lease. Also, the signature on the lease is not mine. The signature is XXXX XXXX XXXX. I am XXXX XXXX XXXX, XXXX. The collection agency has refused to investigate any of my claims. XXXX, XXXX Police Department has not returned any of my phone calls. I'm stuck with a {$4200.00} collection account on my credit report. I am a businessman. I have business lines of credit that will be impacted by this mistake.
Frequently Asked Questions
What is Complaint #5991884 about?
Complaint #5991884 was filed against National Credit Systems,INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2022-09-18T12:00:00-05:00.
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 (Debt collection) 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.