Consumer complaint received 2023-08-30
Company: National Credit Systems,Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Regarding Dispute : National Credit System XXXX XXXX XXXX XXXX XXXX XXXX A amount : {$24000.00} To whom it may concern ; I am disputing XXXX XXXX XXXX even though I already did throughout RENT TO GO. Account showed on my credit after it was removed from my rental history after being disputed. 

This account was disputed because my landlord refused to accept the payments from NJDCA after I was approved Due to Covid 19 I saw myself unemployed from both jobs I had at the moment, which is the reason I was unable to pay my rent. I applied for NJDCA covid relief funds and was approved putting me on a waitlist, which led to me being in court for back payments. 
At my court appointment on XX/XX/2023 I was offered an agreement by my landlord and her lawyer saying that THEY NO LONGER WANT TO WAIT FOR ASSISTANCE, AND TO TAKE MY LITTLE BIT OF MONEY AND LEAVE AND FORGET ABOUT WHAT I OWE.I got scared the lease was not current and it was not my name on it but my kids father XXXX XXXX. 
which they are also trying to charge even after i asked for him to be removed after he left way before this covid even happen. 
I left the premises on XXXX XXXX how they so nicely asked. 
( by NJ law according to XXXX landlords are not to deny assistance which I didn't know ) .I was given 30 days to leave with my kids because if I didnt they were going to evict me and would be a possibility of closing my doors if they continue court procedures. They claimed the government assistance where not going to help me and me being ignorant agreed because why will they not want their money. This was all in front of a judge who second the landlord by saying that this was true, that if i stayed and the follow court i might get my doors closed and be ask to leave without time to prepare. I should sue them because i am currently still homeless House hopping between people I know because of this. 
While homeless with my kids the NJDCA reached out to me claiming they were paying them at the time I was being offered to leave and also that they want to give the funds to my new landlord ( Which I don't have ). THEY ARE RYING TO HELP ME GET THESE FUNDS TO USE ON A DIFFERENT APARTMENT. I have not been able because of my low income which now is another issue and on top this being on my credit if affecting my kids even more. This is my last resort because I was given until XXXX XXXX by NJDCA to find an apartment for this funds or ima have to bring me and my kids to a shelter because I can't no longer stay where I am staying These reports being on my credit is stopping me from getting an apartment. 
If there is anything you recommend me doing please tell me, I feel like I was cornered to aggre to something that either way was meant to make me loose by some professionals that where not trying to help me. 
Thank you in advance

Company response to consumer: Closed with explanation