Consumer complaint received 2022-08-14
Company: National Credit Systems,Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is written to dispute the decisions by both XXXX XXXX and National Credit Systems ( NCS ) to continue reporting inaccurate information about me after both companies have been supplied with valid proof that the debt reported by National Credit Systems to XXXX XXXX is debt in another persons name that never existed in my name. I do not now, nor have I ever owed the debt in question. 

An email to me from National Credit Systems dated XX/XX/XXXX states, Your dispute has been investigated ; however we have yet to find sufficient evidence to validate your claim ( s ). It is very important that you provide our company with all relevant documentation and information supporting your position. 

Documents provided to me by NCS to support its claim regarding the debt are not only insufficient to support NCSs claim, they actually serve to refute it, and prove that the debt in question was never even in my name. 

The first document, a lease from XXXX, shows nothing other than at XXXX time I was an occupant at the apartment. I moved from that location in XXXX, months before the debt in question was accumulated. When the apartment commenced action to recover the debt, I successfully petitioned the Court to remove me from the action and obtained an order from the Court to expunge the action from my record ( court documents were provided to XXXX XXXX and NCS ). 

The other document was a final account statement from the apartment prepared on XX/XX/XXXX. The statement includes both my name and the name of another person who lived at the apartment in the address section, however the statement itself clearly names the debtor as the other person and her alone as shown by the system notation at the bottom of the page of the document : Final Account XXXX : ( name of other person ) ( statement was provided to XXXX XXXX and NCS ). 

The Apartment statement proves the debt in question was not listed in my name by the original creditor. Also, at the time the statement was generated in XXXX, XXXX, not only did I not live at the Apartments, but the date listed is long after the Court removed me from their actions to recover the debt ( proof of address provided ). 

The information I have provided is irrefutable proof that NCS and XXXX XXXX are reporting a debt that is not now, nor was it ever in my name, but both XXXX XXXX and NCS have refused to correct my report by deleting the derogatory remarks concerning this debt from all XXXX XXXX and NCS reporting. 

Both XXXX XXXX and NCS have made numerous deceitful statements, such as XXXX can not act on its own to remove the false information, that only NCS can remove it. They have undeniable proof in court documents, screening reports, and even the original creditors statements that I am not the person who owes the debt, but they both say it isnt enough to remove the remark. NCS illegally parked the debt in the wrong name, and when asked to remove it, the representative, XXXX XXXX, said he didnt have to prove anything, that NCS and XXXX XXXX have nothing to do with credit, they operate outside of the credit system and dont have to follow any of the laws, that they could even report and collect on debt discharged in Bankruptcy Court XXXX XXXX XXXX threatened me saying if I didnt pay what he said I owe that I would never be able to rent an apartment again. This company should be shut down.

Company response to consumer: Closed with explanation