Consumer complaint received 2019-04-27
Company: First Advantage LNS Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is but a brief history of a very difficult and unnecessary problem that I have endured for the past three years ; with the only result being my damaged credit. It all began in XX/XX/XXXX, when I moved into XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX, Maryland. Shortly after I moved in, a neighbor began harassing and stalking me. I notified the office manager after each occurrence. I would also contact the police who would complete reports of the incidents. As the stalking progressed, I eventually filed a peace order against this individual. In XX/XX/XXXX, the apartment office manager authorized a move to a different location on the property. Because she said, " of all of the trouble you've had ''. However, the stalking continued even at the new location. When I contacted the Police at this time, I was told that the individual was likely watching me and keeping note of my movements. Due to this, and for my own safety, I put in notice of my intent to permanently move from the property. During this time my rent was current and I continued to pay rent. Prior to my move, I notified the office manager via email, that I would be travelling on a scheduled trip, outside of the country. Also, in the email was a request to the office manager, to provide me with the final amount of the rent. Instead of responding to this email, the office manager initiated a judgment and eviction notice. With the full knowledge that I was out of the country and could not respond. Upon my return to the United States, I appealed the judgment. The judgment and all fees associated with it were dismissed by the Judge, at the hearing. Although dismissed, the office manager still sent these fees to National Credit Audit Corporation, for collection. The collection agency has, in turn reported the collection to the credit bureaus. Although National Credit Audit Corporation has been provided with the information to end the  collection, their collection efforts continue. And the collectors refuse to end their troubling collection practices insisting that I am responsible for the fees, although the facts prove otherwise. I have disputed this collection with the credit bureaus at least three times and I have provided two copies of the judgment. During this time, I have also, per my attorney 's advice, sent a cease and desist letter, to the collection agency in response to constant and harassing phone calls. The credit bureaus have only exacerbated the problem, insisting that the collection agency decides whether or not the collection is removed from my credit report. Further, my credit score improves somewhat after each dispute, only to have the score drop after the collection is again reported to the credit bureaus. My most recent credit score having dropped nearly 100 points. The collection agency has been deliberate and methodical in their repeated attempts to permanently ruin my credit. National Credit Audit Corporation has been sued for debt collection practices and has been repeatedly reported to the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief