Consumer complaint received 2023-08-31
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern, I am XXXX XXXX XXXX XXXX, all the statements that I make will be supported by documents from NCAC XXXX XXXX XXXX XXXX. I am currently in a very malicious & cruel dispute with NCAC XXXX XXXX XXXX XXXX. This has prevented me from being able to attain housing. I am currently homeless writing this letter from a hotel room. The problem is that the dispute was placed on my credit report by XXXX XXXX, extra fees they alleged were renters ' insurance. In Maryland, you need to have renters ' insurance before moving into an apartment. I had renters ' insurance with XXXX XXXX at this time. XXXX XXXX XXXX was also in a class action lawsuit for this very thing. Charging tenants for renters ' insurance and all kinds of extra fees. XXXX XXXX lost this class action lawsuit. There are more than XXXX violations that I presented to XXXX and XXXX, that should have been taken off my credit report. The first one is that the information they provided to XXXX XXXX XXXX was not accurate. It had the wrong address and amount that I owed. XXXX XXXX XXXX keep it on my credit report. So, I finally tried to pay it off because I am homeless, and I need a place to stay. I called to try to pay it off. I was willing to pay up to 30 % of the debt to get it removed from my account. NCAC sent me the ledger and then asked if it was accurate. Lo and behold it was inaccurate. They had charged us for renters ' insurance when we already had renters ' insurance. I emailed proof of us being insured with XXXX XXXX. I got a response back from XXXX XXXX, XXXX XXXX for NCAC, phone number XXXX # XXXX. This is the person who said she would make sure that this mark stays on my credit report for 7 years. It was forwarded from XXXX XXXX lawyers telling her to keep this mark on my credit. They want the full payment, and they will not negotiate a settlement price. At this point, I feel like my options are running out of options and I may have to take this matter into my own hands. It seems like the government allows corporations to victimize American citizens for profit. 




From the time NCAC unlawfully placed {$8900.00} or {$8900.00} on my credit report without sending me any notification of them doing so, this has been an eye-opening experience to say less. This matter should have already been taken off my credit report, based on all the violations NCAC outright committed against me as a well-informed consumer. I will list all the following violations as they happened with any other attachments to support my claims. 

XXXX ) At this time XXXX XXXX was in a Class-action lawsuit from their renters. XXXX validated my debt with the lease from XXXX XXXX XXXX XXXX XXXX ). So, XXXX, XXXX XXXX XXXX XXXX allowed NCAC to use my lease to keep the debt on my report. XXXX brought the debt in the first place. This is not proof that I knowingly and willingly agreed to do business with XXXX. 

XXXX ) The addresses that XXXX has forged along with XXXX XXXX dont match, therefore, the information is not accurate and should be removed from my credit report. I lived at XXXX XXXX XXXX XXXX # XXXX, XXXX, Maryland XXXX, which is a XXXX bed XXXX bath. This is the very address on my credit report. On the documents, NCAC and XXXX XXXX are contradictory at best. They have XXXX XXXX XXXX XXXX # XXXX XXXX, Md XXXX. That address is a XXXX bed with and den and XXXX bath. I never lived at that address. But, that information was sent to NCAC from XXXX XXXX as the information to validate the debt. 

XXXX ) I have it on more than XXXX documents that NCAC said I owed {$8900.00} on my XXXX, XXXX XXXX XXXX Reports. Then recently XXXX sent me a letter saying I owed them {$8900.00}. 

XXXX ) NCAC has the same mark on my wife 's credit report for the exact amount that is on my credit report. 

XXXX ) In my last exchange with NCAC I want to pay the debt off because at this point I don't need this on my credit anymore All the documents I am using were the documents NCAC has used to keep this mark on my credit report. This is not the first time I have made disputes about these issues and XXXX, XXXX XXXX XXXX have not done anything. Even after proving NCAC has and continually violated XXXX Rights law You all continually let NCAC keep this negative mark on my credit with all the loose documents You all allow them to use. You all should be ashamed of yourself. But, for the record, a copy of this letter will be going to the Maryland Attorney XXXX XXXX and the Consumer Financial Protection Bureau. You all have a nice day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief