Debt collection -- Attempts to collect debt not owed -- Complaint #9882077
Complaint Overview
Complaint ID: 9882077
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 75089
Date Received: 2024-08-15T12:00:00-05:00
Date Sent to Company: 2024-08-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have personally contacted National Credit Systems, and the information they have on file is not my information, including date of birth, address, email, and other details. Despite this, the account remains on my credit report, which I find deeply concerning. I spoke with a representative from National Credit Systems, a woman at extension XXXX, phone number XXXX case XXXX. She mentioned that she would send me an email with a link to submit my driver 's license and other personal information. However, I am extremely hesitant to provide any further details to them, given the inaccuracies already present in their records. This account is supposedly tied to an apartment complex, yet I have lived in the same house for a long time and have no association with the property in question. I do not understand how such a mistake could occur and how this account could be added to my credit report without thoroughly verifying every single piece of information. I am deeply concerned about how my Social Security number and other personal details could have been accessed or used in this way. Please, I implore you to investigate this matter thoroughly. I am not the person tied to this account, and this should be evident upon reviewing the personal information they have.
Frequently Asked Questions
What is Complaint #9882077 about?
Complaint #9882077 was filed against National Credit Systems,INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-08-15T12:00:00-05:00.
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 (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.