Consumer complaint received 2016-11-11
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Around XX/XX/XXXX through XX/XX/XXXX a CS Rep from NCS contacted me, I believe by the name of XXXX, regarding collecting a debt on behalf of XXXX XXXX XXXX. XXXX XXXX, is the company that I had previously reported to FTC for Identity Theft. I let the rep know that I did not owe a debt to this company because they were claiming to be a Property Management Co. and according to GA law, once a judge has issued a writ of possession in court there are no more recoverable damages that XXXX XXXX could obtain unless they sue me in small claims court or the Magistrate Court, if the claim is less than {$15000.00}. After case # XXXX, was dismissed and closed. XXXX XXXX opened up another case, once they discovered I had moved out of the property and I was never served for, Case # XXXX because I moved to another state. Therefore, I never went to court regarding this case. Also, XXXX XXXX took the liberty of reopening case # XXXX a year later in XX/XX/XXXX to withdraw the paid judgment that they had added to Public Records on my XXXX credit report, which was the reason why I reported them for identity theft. Thanks to CFPB, that judgment was recently removed from my XXXX Credit report. Now they are going after my XXXX Credit report and a year later of stating that I owe {$14.00}, XXXX. I left that property in XX/XX/XXXX owing nothing due to me filing Bankruptcy lawsuits against this company. I also informed the NCS rep, of never receiving my deposit from XXXX XXXX. I did not receive a valid reason for the company to keep my deposit because the company never performed a walk through. The move-in inspection requirement applies to landlords who owns more than XXXX rental units, including units owned by their spouse and/or children, or who employ a management agent regardless of the number of units owned. XXXX XXXX took XXXX properties via warranty deeds.Therefore, XXXX XXXX can not collect for damages without this move in/check out list that was never provided. That is why XXXX court exist. 

Well, the NCS rep simply did not care about my concerns and she simply hung up on me. Before, she hung up on me, I even requested that she mail me documentation to verify the validity of this debt and I never received it. I even stated to her that all of my mail is transferred to me, for security reasons, yet I never received anything from NCS.I pulled my credit report with XXXX on XX/XX/XXXX, and noticed NCS had put that horrendous collection on my credit report. Not only did XXXX XXXX list that unlawful and illegal debt., they also committed fraud again by having their business address show on my credit report as a verified address. ( XXXX XXXX XXXX, TN ) This could only apply if I applied for credit with their address. They even enlisted the services of XXXX Credit Bureau to ensure that my renter history is also tainted, to prevent me from obtaining a liveable rental residence for my family. I was shopping for an auto loan in XX/XX/XXXX, due to my XXXX XXXX not starting. I was denied an auto loan due to their negligence. because ironically XXXX XXXX and NCS had just inputted this XXXX debt on my XXXX credit report in XX/XX/XXXX. 

I am at the mercy of the C.F.P.B. to please stop NCS and XXXX XXXX from continuing to report this debt on my credit report. I left that property in XXXX/XXXX/XXXX and eviction was settled XXXX. I am requesting that XXXX also remove their debt and honor my identity theft report that was sent to them and the security freeze to contact me regarding any new inquiries of creditors trying to obtain credit without my expressed authorization. They are suppose to have my updated telephone number on their report and it is not on there. I also want XXXX to remove that fraud XXXX report and to remove Bankruptcy Filings Docket # XXXX # XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation