Consumer complaint received 2023-01-18
Company: National Account Systems of Omaha, LLC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Somebody supposedly used my name to cosign on a buy here pay here car, they defaulted and so sports and imports auto sales put it on my credit report all of a sudden a couple years ago. I have no knowledge of this account and am XXXX and i know i didnt willingly cosign for anything for anybody. This is a person i hardly knows debt, i simply referred them to the dealer as i know the owner XXXX from doing business with him over the years. A customer referral DOES NOT MEAN I COSIGNED OR ASSUMED FINANCIAL RESPONSIBILITY FOR ANYTHING OR ANY VEHICLE. I never had possession of or drove said XXXX model XXXX XXXX XXXX seat pickup truck with my XXXX kids! I called and talked to XXXX and he agreed the balance was not mine and he told me to call the credit collector and tell them the situation and explain that XXXX agreed to close the case BUT the reporting/collection agency REFUSED TO! and since XXXX sold them the account he cant do anything about it. I have requested and never recieved proof that this debt is valid and actually mine. They cant produce any proof. And XXXX repossessed the XXXX XXXX  so he got his vehicle back, the XXXX  that was traded in towards the truck BUT he STILL filed a collection and tacked on a reposession fee he said. It was never my vehicle! i never drove it, never test drove anything and i definitely didnt buy anything. I already had various vehicles and furthermore i was newly married in XXXX which is around the time this vehicle was supposedly purchased and that was in XX/XX/XXXX! Its past the time limit and im sure thats why they cant provide validation of the debt because it isnt mine! And its past its XXXXyear limit. So he falsified records in XXXX saying the vehicle was purchased then. NOT BY ME! I bank financed my vehicle in XX/XX/XXXX and am still paying for it currently so why would i go buy a junk vehicle? makes no sense to me or my father and my kids. This is seriously negatively impacting not only my credit score but the collection on my record has literally been the cause of me being denied another car loan to trade up my vehicle, i cant obtain rental housing because of that derogatory blemish on my credit and it has caused me to be denied XXXX  times for a home loan to purchase a home and ive applied every year for the past XXXX  years! Its not only ruining my credit, its ruining my life! I cant even obtain an apartment or anything decent and have been forced into public housing going on my XXXX year. This is truly NOT my DEBT! I really wish somebody would listen to me! I dont owe {$950.00} for a junk truck and a repo fee! Ive never missed a car payment or any payments for that matter ( check my credit ) and only learned of this XXXX when i was denied for a homeloan and have been disputing and attempting to get this resolved & removed ever since.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation