Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
Info collected from XXXX XXXX : Acct from National Credit Systems was opened on XX/XX/XXXX. Acct remains open & " joint '' responsibility regarding XXXX XXXX XXXX. 
I have tried numerous times to contact National Credit Systems via phone & email & can not get a response back. Emails go unanswered & phone calls get " transfered '' & voice-mail left time after time & still no response. I also tried calling the apartment complex to discuss any options & was told it was completely out of their hands as they no longer have that account, that it was sent to National Credit Systems. 
There are lots of issues with the entire process. First, the dates are incorrect. Due to covid their office at XXXX was closed for weeks, I had no way of signing the lease the date that is on the lease - I was told to " back-date '' the application. A walk-through was refused b/c of civil as well. So obviously covid was a big deal as it is still referred to as a " global pandemic ''. Due to myself & my roommate ( joint acct ) losing our jobs at separate times we were unable to make the rent. I spoke w/ them about partial payments & they refused- all in full or nothing. Long story short, during covid + I just found out I was XXXX XXXX XXXX XXXX XXXX XXXX  XXXX yes old the complex still somehow still evicted us & charged late fees ontop of other fees during the months. Per the Federal Cares Act late fees between XXXX XXXX XX/XX/XXXX were prohibited + the complex was given a covid relief bailout for renters that were unable to make their rent. So between the dates being incorrect ( dated on a Sun and the complex is closed on Sundays ) on the lease + being charged prohibited late fees + Noone can seem to send me a copy of the lease as well as the bailout they received during the global pandemic & not supposed to be able to evict ppl due to covid I don't understand how this has been an ongoing issue for over 3 years. Noone will answer my calls for information and how I can get this off my report so I can find a place to rent. There are so many inaccuracies regarding this account on different levels that all this negative information on my report is prolonging the hardship that covid started. Federal and state laws were made related to evictions and past due rent etc to prevent this from happening yet it is still being allowed to happen and is very much affecting my credit score as well as my tenant screening report. 
Again, I have tried multiple times to contact National Credit Systems & although they can not contact me back - when I dispute it on XXXX XXXX they can find time to contact them. 
Dates are not correct, charges were added that were prohibited during those months- so many things were done & I need help due to the inaccuracy as well as the negative impact that a global pandemic has caused on my reports and can not find anywhere to rent due to this.

Company response to consumer: Closed with explanation