Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
On multiple occasions since discovering that certain information was listed on my XXXX  XXXX credit report, I have made repeated efforts to contact the creditor, the apartment complex, the management company, and the credit bureau. Each time, I have consistently requested the same information, which has not yet been provided. 

When reaching out to the apartment complex, I was repeatedly given XXXX XXXX misinformation XXXX XXXX and told someone would follow up with me. However, I XXXX XXXX  did not receive a return call XXXX XXXX and when I followed up, I discovered that XXXX XXXX the manager had changed again XXXX XXXX making it even more difficult to obtain consistent information. I then contacted the XXXX XXXX  property management company XXXX XXXX  but was told to call the complex directly, as they were the ones who could provide the information. I was also XXXX XXXX transferred to the XXXX XXXX voicemail XXXX XXXX but XXXX XXXX never received a response XXXX XXXX from them either. 

I have also * * placed two disputes XXXX XXXX with XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX regarding this entry. The * * first dispute was returned quickly * * with a denial, stating that the XXXX XXXX  creditor had verified the debt XXXX XXXX. When I followed up to ask how the verification was conducted, I was informed that XXXX XXXX  the creditor is only required to confirm my name, address, date of birth, and the debt amount XXXX XXXX. I then requested a XXXX XXXX  new dispute XXXX XXXX but received the XXXX XXXX  exact same response letter XXXX XXXX again, without any additional explanation or documentation. This raises serious concerns about the validity of the debt verification process and whether my dispute is being reviewed in good faith. 

Additionally, I have left multiple voicemail messages for both Account Manager XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX and his supervisor, XXXX XXXX XXXX XXXX XXXX XXXX but have not received a response. On one occasion when I was able to reach XXXX XXXX, I was met with * * unprofessional and hostile behavior XXXX XXXX. He XXXX XXXX  berated me, yelled at me * *, and told me, * If you learn to listen and shut up, * before hanging up on me. I have also emailed a copy of below to XXXX XXXX, his XXXX and others in their company without reply. This occurred while I was simply trying to obtain my XXXX XXXX account number and basic information XXXX XXXX regarding the alleged debt. This kind of treatment is unacceptable and deeply concerning, particularly when I am making a good-faith effort to resolve and verify this matter. 

XXXX XXXX Why I Am Disputing the Debt XXXX XXXX  The charge being reported is, to my knowledge, XXXX XXXX incorrect and unjustified XXXX XXXX During the five years I lived at the apartment complex, there were XXXX XXXX multiple office staff changes XXXX XXXX, which made communication and policy enforcement inconsistent. At the time of my lease ending, I XXXX XXXX informed the office in person XXXX XXXX that I did not plan to renew. One of the staff members asked me to XXXX XXXX email my notice XXXX XXXX which I promptly did. 

Later, I was informed that my emailed notice was not acceptable because it was not on the complexs " official letterhead. '' I XXXX XXXX complied again XXXX XXXX  and XXXX XXXX  completed their official form XXXX XXXX On the day I moved out, I XXXX XXXX  left a set of keys on the counter XXXX XXXX because it was XXXX XXXX  early in the morning before office hours XXXX XXXX. I was later contacted and asked to XXXX XXXX  sign another form XXXX XXXX which I also complied with. 

Despite following all the instructions and giving proper notice, I was later charged a XXXX XXXX month-to-month lease fee XXXX XXXX as though I had not provided notice. This charge is what I am disputing. The shifting expectations and changing staff policies XXXX XXXX should not override my documented efforts XXXX XXXX  to properly notify the complex of my move-out and fulfill their evolving requirements. 

XXXX XXXX Requested Documentation for Debt Validation XXXX XXXX Please review the following list of documentation I am formally requesting again to validate and verify this debt : XXXX XXXX XXXX Proof of Debt and Creditor Information XXXX XXXX XXXX  The XXXX XXXX  name and address of the current creditor XXXX XXXX 
XXXX The XXXX XXXX account number XXXX XXXX and XXXX XXXX  total amount claimed XXXX XXXX 
XXXX If originated with another creditor : their * * name XXXX XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX account number XXXX XXXX and XXXX XXXX amount at transfer XXXX XXXX 
XXXX Details of when and from whom the current creditor acquired the debt. 

XXXX XXXX * Verification of Debt XXXX XXXX XXXX A XXXX XXXX  copy of the original lease agreement XXXX XXXX or any agreement showing my legal obligation. 
XXXX  Any supporting documentation confirming my responsibility for this debt. 

XXXX XXXX XXXX  Debt Amount and Account History XXXX XXXX XXXX The XXXX XXXX  last billing statement XXXX XXXX  from the original creditor. 
XXXX The XXXX XXXX amount at the time of debt acquisition XXXX XXXX and date. 
XXXX  An XXXX XXXX itemized list of fees, interest, and charges XXXX XXXX with XXXX XXXX  dates and explanations XXXX XXXX 
XXXX A record of XXXX XXXX payments or reductions XXXX XXXX with XXXX XXXX  dates and amounts XXXX XXXX 
* Information on XXXX XXXX  any adjustments XXXX XXXX, including XXXX XXXX calculations and legal basis XXXX XXXX 

XXXX XXXX XXXX Debt Timeline and Statute of Limitations XXXX XXXX XXXX  The XXXX XXXX  due date XXXX XXXX and date the account became XXXX XXXX  delinquent XXXX XXXX 
XXXX  The XXXX XXXX  date of the last payment * *. 
* Proof the debt is * * within the statute of limitations XXXX XXXX  including XXXX XXXX how it was calculated XXXX XXXX 

XXXX. * * Debt Collectors Authority XXXX XXXX XXXX Proof of a XXXX XXXX valid debt collection license * * in my state : XXXX  License number, name on license, issuing agency, and contact details. 
XXXX  Same details for your XXXX XXXX  home state XXXX XXXX  if you're located elsewhere. 


I am exercising my rights under the XXXX XXXX  Fair Debt Collection Practices Act ( FDCPA XXXX XXXX XXXX  and applicable state laws to formally request this documentation. Until this information is provided in full and the debt is properly verified, I respectfully request that * * no further collection or reporting activity * * be pursued.

Company response to consumer: Closed with explanation