Consumer complaint received 2024-08-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I have repeatedly contacted both the original creditor and the XXXX XXXX XXXX XXXX XXXX XXXX, informing them that this account does not belong to me and is the result of identity theft. 

Several representatives were very rude and hung up on me after I refused to provide my Social Security Number in exchange for information about the account, which has been on my credit report since XX/XX/XXXX. This account is not mine. 

After several attempts, I finally spoke with a representative who provided the account number and some details, confirming that it was indeed a case of fraud/identity theft. In XXXX XXXX, I requested a fraud packet, which should have been sent within 30 days, but I never received it. 

I have disputed this account multiple times through the credit reporting agencies ( CRAs ) and directly with the XXXX XXXX XXXX XXXX XXXX XXXX. I provided FTC report numbers, my contact information, and documents verifying my identity. However, this resulted in my personal information being fraudulently updated as part of the account, causing the credit reporting agencies to acknowledge it as belonging to me. 

XXXX XXXX XXXX intentionally refuses to acknowledge the very obvious differences in the information of the original account holder and myself instead, they have attempted fraudulently inject my own personal information into the credit file in place of the actual account owners in an attempt to collect a debt. 

These actions are abusive, blatantly negligent, have been extremely damaging to my personal life and are a direct violation of my rights as outlined by the Fair Credit reporting act. 


Letter to XXXX XXXX XXXX : ***Subject : Immediate Action Required : Fraud Packet Received with Personal Information of Another Individual** To whom it may concern, This matter demands your immediate attention. On XX/XX/XXXX, I received a fraud packet from your Firm, XXXX XXXX XXXX XXXX, containing highly sensitive personal information belonging to another individual with a similar name. This packet includes leasing information, account numbers, SSNs, contact information, IP addresses, signatures, payment details, and images of personal identification, none of which belong to me. 

It is evident that this account # XXXX has been fraudulently linked to my identity and credit. Despite my multiple attempts to inform the original creditor, The XXXX XXXX Apartments, in XX/XX/XXXX, and your firm in XXXX and XX/XX/XXXX, you have wrongfully and in direct violation of the FCRA updated this account multiple times with my own personal information in an erroneous attempt to collect a debt, rather than removing it. This negligence has forced me to file an FTC identity theft report, a police report, and complaint with the CFPB. 

I demand immediate confirmation that my personal information has been entirely removed from your records and that it has not been further compromised. Failure to address this issue promptly and adequately will leave me no choice but to pursue further legal action. 

Your prompt attention and action on this matter are not just expected but required.