Consumer complaint received 2018-10-25
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by the national systems in XX/XX/XXXX about a collection on an apartment I shared with a roommate in XXXX. They told me there was a debt of {$2600.00} that was due, I explained to them that I had been signed off the lease in XX/XX/XXXX they told me to send in supporting documents supporting my claim that I was not legally obligated to the debt owed. When I called to ask why my name was on the collection the women Ms.XXXX was very rude and curt with me, She then cut me off when I was trying to ask questions and explain that they simply didn't have updated paperwork. She got upset and hung up the phone on me and when I called back she cursed me out and called me out my name and continued to hang up on me. So I proceeded by sending the documents stating I have an excuted roommate release lease and a statement from the apartment owners as well as a dispute letter per Ms.XXXX request she sent me a letter in the mail with a copy of the previous apartment owners debt request, Which didn't have my name but my old roommates information as I wasnt mentioned at all along with a letter stating that they didn't have any proof to verify my claim. So she proceeded to execute the debt on my credit report. I filed a dispute with the credit bureau stating that I am not obligated to the debt along with the paperwork I sent National Credit Systems Inc. Even though Ms.XXXX had recieved the dispute a week before sending it to my credit report but reported it anyways out of spite.Its illegal to attach a debt to a persons credit report after they have provided documents stating otherwise.

As stated above I sent national credit systems Inc. The same paperwork from the apartment complex and a dispute letter from myself along with an excuted roommate release lease prior to the debt in a timely fashion and the debt was still added to my credit report, the paperwork they sent me on the XX/XX/XXXX that had the apartments estimate for the debt did not have my name on the paperwork which I have also previously attached. 

The apartment ledger that national credit systems sent me from XXXX XXXX   did not have my name on it but my previous roommates information only which is why I keep asking them to remove me from the claim seeing that my name wasnt given. I continually tried to explain that they simply didn't have updated paperwork and that I have a fully excuted roommate release from and a signed statement from XXXX XXXX stating that I am not legally obligated to the debt all of which I sent to national credit systems before they out it on my credit report but because ms.XXXX da malicious she ignored the paperwork for my dispute and put it on anyways. It is shady business practice to falsify collections on a credit report after having paperwork stating otherwise. I have sent everything national credit systems has asked and have all the documents stating that this isn't my debt but they refuse to correct their intentional mistake. My credit has suffered an 79 point drop because of their shady business practices.

Company response to consumer: Closed with explanation