Consumer complaint received 2022-11-29
Company: National Credit Systems,Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
National Credit Systems , Inc . Spoke with XXXX XXXX at XXXX. 

I received an alert from my credit monitoring company on Friday, XX/XX/2022, that an update to my credit file was available, when checking my account, I found that National Credit Systems , Inc. had placed a collections account on my credit file, which instantly dropped my credit score by approximately XXXX points. I contacted XXXX XXXX and explained that I had received calls and letters from his company and spoke with them and told them and XXXX XXXX that this account was not mines. I explained that I have only lived in XXXX  and that my daughter, resides in XXXX XXXX and that we do have the same first and last name, but our Social Security numbers are not the same. XXXX XXXX stated that the leasing company XXXX XXXX hired National Credit Systems , Inc. to collect the outstanding lease balance due and gave him information with my name, social security number, address and phone number. He also stated that my daughter used my social security number to secure the lease property. He stated that he could not provide me with any documentation that shows that her application for this lease that was applied for and approved on-line, but that my daughter needed to contact the leasing company. I told XXXX XXXX that I am familiar with skip tracing practices and that is the only way that he could have tied my personal information with that of my daughter based on us having the same name and that she once resided in XXXX. I asked XXXX XXXX to supply me with documentation that proves that my daughter used my personal information on line to be approved for this lease and he stated that he did not have anything from the leasing company other than my personal information. XXXX XXXX asked me to supply him with a copy of my Driver 's license, Social Security Card and Credit Report. I did not feel comfortable submitting any documentation to him, because it is not my debt. XXXX XXXX told me that I only had two choices, one was to pay the debt myself and try to get my daughter to own up to the fact that she used my identity, or to file a fraud/felony report on my daughter and threatened that she would be arrested and prosecuted. XXXX XXXX could not provide me with any documentation to prove that my personal information was used to apply for the rental home. Again, I believe that some sort of skip tracing was used to trace the aforementioned to me and my personal information. THIS IS NOT MY DEBT AND I WANT THIS REMOVED FROM MY CREDIT REPORT. I AM A XXXX XXXX AND I FEEL THAT SCARE TACTICS WERE USED BY XXXX XXXX TO TRY AND GET ME TO PAY FOR A DEBT THAT IS NOT MINE. HE EVEN TRIED TO GET ME TO PAY BY CREDIT CARD STATING THAT HE WOULD REDUCE THE AMOUNT OWED BY {$2000.00} IF I AGREED TO PAY THE DEBT. PLEASE INVESTIGATE AND HAVE THIS REMOVED FROM MY CREDIT REPORT, BECAUSE THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation