Consumer complaint received 2022-09-26
Company: National Credit Systems,Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX and I am sending this letter to help fill in the blanks of this court case and hopefully provide more insights and content. I lived at the XXXX at XXXX apartments from XX/XX/XXXX - XX/XX/XXXX. I enjoyed my time there, however I have XXXX kids, my son is now XXXX XXXX XXXX and my daughter is now XXXX XXXX XXXX and we have a dog so with my family getting older, dog getting bigger, I wanted to find a home where my kids have room to grow and enjoy friends over, so I decided to find a house and move out of an apartment. 
Over those XXXX years, I built a great partnership with XXXX XXXX in the leasing office as she was XXXX of the people I met when I moved in. In my XXXX years there, I was never delinquent without letting them know ahead of time and paying all necessary fees. So when I went to the office on XX/XX/XXXX with my son, I talked to XXXX XXXX about a home we found and we were moving out and I wanted to make sure I followed the move out process. We completed a walk through inspection of my home but stated I needed to leave my keys and fob on the kitchen counter when I moved out on XX/XX/XXXX and because the apartment complex was changing from XXXX XXXXt XXXX to another company ( now is called the XXXX at XXXX ) I could leave without a fee but I was forfeiting my deposit. She even gave me a rental reference on my new home which I moved into on XX/XX/XXXX ( please see the attachment Tenant Rental Verification ). To ensure things were documented, I sent an email on XX/XX/XXXX and recapped the move out ( Please see email XXXX XXXX move out. 
I am not perfect by any means but I have been trying to purchase a home and I have been trying to maintain my credit, my bills and obligations for the last year, so I can afford my home. I have attached my credit report so you could see I am definitely trying. I found the home I was interested in purchasing and you can XXXXmagine to my surprise when I was denied due to XXXX at XXXX putting on my credit report an eviction and a balance of {$7900.00}. I had no prior balance ( please see a copy of the XXXX rent receipt and confirmation ) so I have no idea where this amount is coming from, secondly, I completed all the necessary steps and left on good terms, so how was this an eviction when I was already out of the apartment and they knew it so I was never properly served. Another thing to consider is why did they wait so long for the eviction if indeed they thought I was still there? Since I have been there for 3 years, they have all my contact information. Why wait almost 2 months before doing anything, when I have been paying rent on time? This was a deliberate act of sabotage towards me and my family. 
I immediately created an account with XXXX, XXXX and XXXX to see if this was on all my accounts and it was under XXXX at XXXX on XXXX, XXXX and XXXX had a collection agency called National Credit Systems with their information representing the XXXX at XXXX ( Please see a copy of my credit report marked Collections document. ). This was done erroneously, so the order to appear never reached me because I had already vacated and it was not mailed to my new address so I had no idea I needed to appear in court, which brought me to filing a motion to set Aside Judgment which I did on XX/XX/XXXX. XXXX. In my research for the case, I saw another private credit agency named XXXX XXXX XXXX XXXX was provided this erroneous information and has consistently been sending this information out to the other bureaus ( please see document attached ). The representative sent me a copy of the information the XXXX at XXXX had provided and I noticed they knew I had left because it was sent to them on XX/XX/XXXX ( which is different than what was advised to myself and the Judge ) that they filed the Writ of Possession in XXXX because they didnt know I left ( please see ruling document from the Judge ). I have sent numerous dispute debt letters to XXXX, XXXX, XXXX, XXXX XXXX XXXX and National Credit Systems but none of the agencies have removed this off my credit report as a collection ( please reference the Debt Dispute Letters attached ). I sent the court documents so they could see this is indeed not in collections because the amount is wrong and I was not evicted. 
I went to court on XX/XX/XXXX and the Judge was XXXX XXXX and all sides presented, the Judge asked me to provide the figures of the true amount and present to the Plaintiff ( please see attached document called Settlement Stipulations ) and once I did submit they sent an email stating they did not agree ( please see email attached ) and there has been no further discussion since. I do want this resolved by your assistance. 


I am available to chat about this anytime, I have recently relocated to XXXX CA so I am in the XXXX XXXX XXXX. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation