Consumer complaint received 2022-03-30
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems , INC has put a debt of {$3600.00} on our credit reports and is billing us said amount for an apartment we were not the signed, legal residents of at the date they are claiming the debt was made. 

On XX/XX/XXXX via XXXX certified mail tracking number hidden National Credit Systems , INC received the information they requested to invalidate their assignment of the debt to us when we opened an investigation to dispute the debt they were reporting to the three credit bureaus. They failed to remove the incorrect information from all credit reports and erroneously claimed to verify the debt. 

On XX/XX/XXXX via XXXX XXXX mail tracking number hidden National Credit Systems , INC received the information they requested again in a letter dated XX/XX/XXXX to invalidate their assignment of the debt to us when we reopened an investigation to dispute the debt they were reporting to the three credit bureaus. They again failed to remove the incorrect information. 

On XX/XX/XXXX National Credit Systems , INC sent out the same letter now redated to XX/XX/XXXX requesting the information we have already provided twice and that they are in possession of with proof that they have incorrectly assigned this debt. We are now exercising our right to a formal complaint with their failure to comply with the Fair Credit Reporting Act, Under section 609, 610, and 611 and understand that this issue entitles us to a sum of {$1000.00} per individual as outlined in the FTC Fair Debt Collection Act section 1692-1692p. 812 and 813. 

The proof we have sent them is as follows : National Credit Systems, INC provided a statement of account from Registry at XXXX XXXX XXXX The date listed as a move-out date is XX/XX/XXXX. We sent back the copy they sent us circling the information that proves the debt is invalid. 

National Credit Systems , INC provided the signed and dated move-out inspection form from Registry at XXXX I XXXX with our signatures and the signature of the apartment manager dated XX/XX/XXXX. The balance due at move-out was {$0.00}. We sent back the copy they sent us circling the information that proves the debt is invalid. 

National Credit Systems , INC provided a copy of our signed lease that clearly shows our lease term was XX/XX/XXXX to XX/XX/XXXX. We moved out 8 days before our lease was up. We did not sign a new lease nor did we sign an extension. National Credit Systems , INC has not provided proof of either. We sent back the copy they sent us circling the information that proves the debt is invalid. 

National Credit Systems , INC failed to provide a signed and dated lease or lease extension showing that we were residents of the named apartment themselves as they already have the proof we were not the legal residents at the date provided. The evidence they already have and keep submitting as proof clearly shows we were not the occupants at the date provided and that this debt and the account belongs to someone else. We moved out months prior and were already in another lease in another state.

Company response to consumer: Closed with explanation