Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (MS)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX XXXX   XXXX  XXXX  XXXX  XXXX. XXXX XXXX, XXXX, TX  XXXX I am writing to dispute the following information that your company provided to XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 
This item for XXXX is inaccurate because I never signed any papers with this company or even live in their apartments. I am requesting that XXXX  have the item ( s  ) removed or open a case to discuss this in person or move it to the court to correct the information. 
Enclosed are copies of the emails between me and XXXX which shows that I didn't agree to rent or signed any agreement with them and it should supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item as soon as possible. 
XXXX XXXX Enclosures : - 6 emails with XXXX proof that this contract was not agreed by me and never signed it. 
- The letter that was sent to the national credit which explains this mistake briefly TO : National Credit Systems , Inc . 
XXXX XXXX  XXXX XXXX, GA XXXX SENT : to XXXX TO : I have seen a collection on my account about an amount of {$5700.00} from XXXX XXXX and this amount is false and not correct as I have no relationship between this account. XXXX has used my online application for rent falsely to a lease that I never signed neither my application has been signed. Please read the details in this email carefully as it has the details of this problem with documents that proof my claim. 
- XXXX or the national credit reporting have never sent me any documents related to my problem and NCR contact me I asked them to proof the collection to send it to my address and never received any proofs. 

Frist of all, The process of XXXX to get an apartment : a- Submit an Online Rental Application b- There must be a Guarantor on the lease which he/she receives email to fill out the rest of the Online Rental Application. 
c- After that, I should receive an email that my application was completed and approved d- If approved, then the lease will be signed by both the Guarantor on the lease and I e- Finally, move in to the apartment and pay the lease. 

My claim : a- I submitted my Online Rental Application. 
b- The { Guarantor on the lease } received the email and never opened the link or signed. 
c- As I have had not complete my application for part ( b ) my application will not be process ( see attachment named email # 2 ). 
d- I didn't receive and information about my application if it was approved or not, instead I received email asking me to pay my 1st month on XX/XX/XXXX which completely wrong because my application was submitted on XX/XX/XXXX e- I never moved or even visited this location and have asked them to cancel my Online Rental Application. 
f- From the lease they sent me it shows a signature they claimed as me ( I do not agree ) and the date XX/XX/XXXX and the apartment manager signature was XX/XX/XXXX and they email to move in was XX/XX/XXXX so the lease was not signed on the time they asked me to move in. 

The claim details : 1st on Wednesday, XX/XX/XXXX XXXX XXXX ( PDT ) I submitted an Online Rental Application NOT online lease application ( see attachment named email # 1 ) in the same attachment, email # 1, it was mentioned that an Online Rental application was submitted and email # 1 was the official email that was sent to the Guarantor to complete the application, and I never opened the link of fill out any Guarantor info. The reason why I didn't complete the application because I am single father and I sent email to XXXX asking them if they accepted me with my kids and if not I asked them to remove my application, and they never responded. 


2nd Per XXXX policy ( see attachment named email # 1 ) to process the online rental application Guarantor must be on the lease, and in attachment email # 5 until XX/XX/XXXX the Guarantor application was incomplete 3rd on Fri, XX/XX/XXXX, XXXX XXXX, ( see attachment named email # 2 ) the email has no correct information which asked me to pay before XX/XX/XXXX Remember that your first rent installment is due on or before XX/XX/XXXX and I submitted my Online Rental Application on XX/XX/XXXX ( dates are mentioned on the original email attachment, email # 1 ) how do I have to pay on XX/XX/XXXX? and this an evidence that they are misleading people by assigning any apartment for anyone who fill in application even if it was not completed not fit in my online rental application. 



4th XXXX sent to the Guarantor on Fri, XX/XX/XXXX at XXXX XXXX welcoming him to move in and arrange his roommate which he is not the person who move but the assign him to an apartment as if he submitted Online Rental Application see attachment named email # 3 from the Guarantor email, XXXX XXXX ( my father ). This is also evidence the XXXX assigned apartments randomly to anyone who filled out an application online even if the person on the application as Guarantor. 

5th On Fri, XX/XX/XXXX at XXXX XXXX, ( see attachment named email # 4 ) I received email confirmation for the roommates they assigned to me and I never chose any roommates, which I must chose. Also how they asked me to move when my Online Rental application on XX/XX/XXXX still is incomplete ( see attachment email # 5. 


7th On Monday, XX/XX/XXXX around XXXX XXXX, XXXX called me on my cellphone ( XXXX ) about the lease and I informed them this I am no longer interested and have not completed the application because I did not got your response for accepting my kids to live with me However, in the same day, on Mon, XX/XX/XXXX at XXXX XXXX  ( see attachment named email # 6 ) they sent me an approval rental lease and I replied that per my request on the call to remove my application ( see the attachment named email # 7 ) and this attachment very clearly said ( removed me as I told you on the phone call which means I refused to signed before they send the confirmation ) which was the lease date they claim it was signed, However, as my previous emails it shows clearly there was Incomplete application ( email # 2 ), there was email to move in on XX/XX/XXXX ( email # 4 ), there was email asking to pay on XX/XX/XXXX ( email # 3 ). All the dates and emails shows that lease has not been signed by me or the Guarantor there was false activities by XXXX. 

From 1st to 6th it proofs that The dates for the emails and lease XXXX provided conclude that they use my Online Rental Application falsely to enforce me to pay. The dated are inappropriate with the application process, for example, I submitted my application on XX/XX/XXXX and they requested me to pay on XX/XX/XXXX. their lease shows their signature on XX/XX/XXXX, but they sent email to move on XX/XX/XXXX and all the dates are not matching the process in addition to the fact that I didn't signed any lease or even completed my application as my email mentioned to them before the lease signed. 

8th After multiple calling, I asked them if they want me to move they should pay me the time I was in the hotel from XX/XX/XXXX to XX/XX/XXXX as the manager signature on lease was XXXX and they ignore this and didn't respond which shows their behave that they don't want me to move in instead, they want to enforce me to pay by using my application information. 


XXXX XXXX XX/XX/XXXX XXXX