Consumer complaint received 2017-08-23
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in XXXX an ex-co worker texted me and ask if I was still looking for a house. I told her yes, so she said due to her divorce she was moved into an apartment, and leasing her house, but the property management company could not get a qualified person. Stated her friend a leasing agent she paid her XXXX to run the credit report see if it was okay and then would pass to the property management company because a lot of her friends losing money and not getting approved, so she brought me the application to fill I and I did and she called back about 3 days later said I owed an apartment complex from 7 years ago. I then advised okay no problem the 2 weeks after that she ask me by text again if I would co sign for her a XXXX XXXX XXXX and I told her no. Well 3 weeks later I got over 12 inquiries on my credit then 2 weeks a letter from XXXX XXXX welcome to the family on my new car purchase when I contact them they told me it was the same make model car she ask me to cosign I started texting her she never admitted it i then went to the dealership XXXX XXXX they would not talk to me so i filed a police report for Identity Theft. On XXXX/XXXX/XXXX she was arrested driving the car because XXXX XXXX reported it stolen and XXXX XXXX after i sent the Fraud package to them with text messages from her name is XXXX XXXX they removed the car from my credit. She was also arrested on XXXX/XXXX/XXXX for other charges a day before the apartments said her and her daughter moved in and was force to leave the property and also told me she did not show up for court, but they never notified me of any of this just sent me a bill after the eviction. After i Filed the police report i got an eviction bill from XXXX XXXX XXXX. I told them same thing never been to their apartments, never gave her permission to get an apartment in my name. They sent to collection agency National Credit Systems I asked the apartment manger for their corporate office address and phone number told me they did not have one. They never sent me a letter about someone living in the apartment under my name, never got a letter of eviction, never got letter to appear in court if i had i would have showed up in court. I got a bill for eviction fees. {$5000.00}. I sent the fraud package with the text messages between me and XXXX XXXX were she stated she used my information without my knowledge when i texted her ask why was i getting a bill for eviction from an apartment XXXX XXXX she corrected me on the name of the apartments XXXX XXXX and said i should not have received a bill from them because she paid XXXX to the justice of the peace so it would not show up on my credit. I sent national credit systems all the text messages the police report she used my ID to get this car without my permission the mug shots over 60 pages i sent them and they put it on my credit then sent me letter saying the apartments verified it is my debt based off what the manager and assistant manager stated which i think all 3 of them was working together for money, commission and to extort money from me. I am now fighting XXXX XXXX and i do n't have the time to continue to fight these apartments or this credit agency i did my part, and because they was hired to collect on a debt that is not my debt but debt occurred from my identity being stolen. Again the car has been picked up she was arrested and the car has come off my credit, but the credit bureaus wo n't remove the inquires with the same information i have submitted. Please assist me because i have worked extremely hard to fix my credit and when i start to get a step ahead doing this now this problem has pushed me back 3 steps

Company response to consumer: Closed with explanation