Consumer complaint received 2023-02-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This {$1300.00} debt was randomly added to my credit report ( and my two former roommates credit reports as a shared debt ) 7 months after we ended our 12 month lease with XXXX XXXX XXXX ( apartment complex in which we are former tenants ) in good standing. National Credit Systems ( the collections agency ) added this false collection report to our credit reports and also misspelled my roommates name on the collections report. XXXX XXXX XXXX misspelled the name on the lease and never corrected it after we requested for it to be corrected. As a result the invalid debt collections claim also has an incorrect name on it ( can provide copy of my roommate 's drivers license for proof the name is misspelled on this false debt claim ) - this collections claim is invalid and should be deleted from our credit reports ( the report is listed as a shared responsibility between 3 names. All payments were made to XXXXXXXX XXXX XXXX in full and on time. 

National Credit Systems debt collections report claims the date of first delinquency is XXXX XXXX XXXX This is impossible and incorrect - Ive provided proof that we paid our last month of rent to XXXXXXXX XXXX XXXX in the amount of {$1500.00} on XX/XX/XXXX ( bank statements and XXXX account statements attached showing that payment was made ). Again, our lease ended on XXXX XXXX XXXX My roommate and I have the record of rent payments made to XXXXXXXX XXXX XXXX each month on time ( can provide bank statements for proof of records ). We were never contacted by XXXX XXXX XXXX, only by collections ( National Credit Systems ) in XX/XX/XXXX. Our lease ended with XXXXXXXX XXXX XXXX in XX/XX/XXXX. I paid {$970.00} in the form of a cashiers check ( required by XXXX XXXX XXXX ) to XXXX XXXX XXXX for security deposit and prorated rent on XXXX XXXX XXXX  ( please see attachment ) of bank statement. We also never received our security deposit back from XXXXXXXX XXXX XXXX. We have not even been given a reason as to why this collections debt has been added to our credit reports. Ive attempted numerous times since first receiving a phone call from National Credit Systems ( which my phone registered their calls as Spam Risk, so I received voicemails as I did not answer and when I did call them back, I did not feel comfortable providing them my secure identity information such as my social security number because the claim is invalid ) to resolve the issue by contacting the apartment complex and XXXX XXXX XXXX refuses to return my emails, phone calls and voicemails. They have not contacted me at all since we ended our 12 month lease and our lease ended in good standing with all payments completed. 

I disputed this invalid collections claim with XXXX and they have deleted it from my credit report. The collections claim should also be deleted from my XXXX and XXXX reports as well. 

XXXXXXXX XXXX XXXX seems to have a history of falsely claiming debt via collections months after a former tenant has ended their lease without contacting the former tenant at all. There is another former tenant that added a complaint on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX page that claims the same instance occurred with them. XXXXXXXX XXXX XXXX has a XXXX XXXX XXXX score of XXXX  I submitted a dispute to the XXXX XXXX XXXX  and they have confirmed that XXXXXXXX XXXX XXXX never responded back to them ( can provide a copy for records ). 

I believe Ive provided all relevant information regarding why this incorrect/invalid collections claim should be DELETED from my credit report. It should be DELETED from the credit reports of the 3 names listed on this joint, incorrect debt collections report.

Company response to consumer: Closed with explanation