Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
In XXXX I moved to an apartment in XXXX XXXX called XXXX XXXX in order to be closer to the XXXX XXXX XXXX on XXXX XXXX XXXX. I needed to see doctors on a regular basis after XXXX XXXX for XXXX XXXX XXXXXXXX. My symptoms after treatment were XXXX  in XXXX XXXX XXXX XXXX XXXX. Also my XXXX XXXX  was damage. While at this location I was harassed by the management staff. Managers wanted to take away XXXX  parking in order t turn them into for profit spaces. Balconies were made of wood with spacing and being on the lower floor rather than walk the dog, the owner placed the dog on the outside deck and the dog would would XXXX on the deck would come down to my deck. I provided these concerns to the management office and when not address file a complaint with the housing authority and wrote to the XXXXXXXX XXXX XXXX corporate office. I gave the apartment the proper notice of moving out because of the complaint. New management came in but the assistant manager remained at the property. The assistant manger was u [ set that she was not provided the management position. She began to take out on the tenants. She booted cars, provided unannounced inspections, and started spreading private tenant information from their files to other tenants she was close too. Having been in XXXX XXXX for over 20+ years I knew this was a violation of privacy and would have an affect on the tenants trust of the assistant manager. I got an email from the Manager of the apartment stating they were moving me to another apartment closer to the stairs where the XXXX  parking was located. This action sent the assistant manager crazy. I was not aware of what was happening until I went in to sign a lease and the assistant manager told I did not have too. I was concern. I did not have a lease to read and the manager was torturing me for some reason. I wrote to corporate and explain to the XXXX Director that something was going on between the assistant manger and manager that he needed to address. I did not want to be part of this as I was recovering from XXXX  XXXX XXXX. Among other things that was going on since I gave my notice to leave left. Paid my rent. I knew nothing about a collection until I moved 2 years later in XXXX and could not get an apartment. I moved in XXXX to a house and then after 2 years moved to an apartment for safety reasons. Since I moved out of the house and the collection was on my report I slept in hotels and parking lots. The item was only on my XXXX  report not XXXX  or XXXX. I submitted several disputes and all would come back as verified. I was living off of social security and disability. Since I was seeing a doctor for XXXX XXXX XXXX from XXXX XXXX, I told him the credit reporting companies purposing do not do investigations. They keep these item on a consumer to make money from those companies providing the agencies with funding. Also, politicians are provided donations to look the other way and not do audits of the credit reporting companies. I documented every phone call, every transfer call to one group to another, XXXX  told me my ID could not be verified and another rep said my ID has been on file since XXXX. I got all kinds of different responses. I finally contacted my U.S. Senator with all my documentation. The item was removed around XX/XX/XXXX from XXXX. It pop up again in XXXX of XXXX. XXXX  removed it without me contacting them in XXXX. However, it showed up on XXXX  around XX/XX/XXXX. Its seems that Collection is going from Credit reporting company to credit reporting company. This time its the credit reporting company located in the same state and city where I am located and the credit reporting is located and the credit reporting company where the politics is against me and in favor of both companies. I state that the {$5500.00} Original Creditor : XXXX XXXX XXXXXXXX XXXX Date Assigned : XX/XX/XXXX Legal Basis for Removal Under FCRA 605 ( b ), credit reporting agencies are required to block information resulting from identity theft within four business days of receiving : A copy of an FTC Identity Theft Report. A description of the fraudulent accounts. A statement indicating the items are not attributable to me. Additionally, pursuant to FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies must conduct a reasonable reinvestigation of disputed information and ensure its accuracy. Failure to remove inaccurate or unverifiable information violates the FCRA and may result in penalties. Demand for Verification Details : XXXX  sent me a response on my first dispute stating 1. this is not identity theft. However it is identity theft signing someone's name without their authorization is the definition of identity theft. 2. XXXX  stated that a collection company does not have to submit to all 3 credit reporting companies. The law consistent accurate information among all three. XXXX  is misinterpreting the law in the collection companies favor. I request the Original Creditor : XXXX XXXX XXXX XXXX and its collection company there is Legal Basis for Removal Under FCRA 605 ( b ), credit reporting agencies are required to block information resulting from identity theft within four business days of receiving : A copy of an FTC Identity Theft Report. A description of the fraudulent accounts. A statement indicating the items are not attributable to me. Additionally, pursuant to FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies must conduct a reasonable reinvestigation of disputed information and ensure its accuracy. Failure to remove inaccurate or unverifiable information violates the FCRA and may result in penalties. Demand for Verification Details : I demand that XXXX  and National Credit System provide a contract with my signature on it as proof of debt, along with statement stating I signed the document they are providing.

Company response to consumer: Closed with explanation