Consumer complaint received 2021-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I was never contacted about this debt or given a chance to respond to it. I don't believe the debt to be valid and I am currently gathering evidence to dispute it. This alledged debt was never verified and placed on my credit report without anyone ever contacting me at any point in time by any medium. 


On Saturday XX/XX/XXXX, I received a notification from XXXX that my credit score had changed. I pulled my XX/XX/XXXXand XX/XX/XXXX credit scores and found that I had a complaint against me from a company called national credit systems. This was for another company called XXXX XXXX. I called them both on Monday XX/XX/XXXX and it turned out that XXXX XXXX received a claim from an old apartment that I used to live at called XXXX house apartments. 

On Monday the manger of XXXX house apartments informed me that XXXX house apartments decided to replace the carpet after 7 years. I had lived there XXXX of the time. They charged me XXXX of the cost of a new carpet. I'd asked why they never informed me of this, she claimed to have sent a letter to an old address of mine on XX/XX/XXXX. I'd never received this letter despite living there at the time and having mail forwarding for this address until XXXX or XXXX. They also had my phone number and email address and never bothered to message me on those mediums either. 

My last contact with XXXX house apartments was with the XXXX who had told me that due to covid ( in XX/XX/XXXX XXXX that they wouldn't do a formal walkthrough with me. She'd told me that I was XXXX, and there were no observed damages. 

Apparently. sometime last year they made the decision to replace the carpet on my dime, despite there being no clause in the lease allowing that. As replacing normal wear and tear isn't something covered by the lease. They sent it to sure deposit as a claim. 

Then sure deposit says they don't actually attempt to contact people. They sent it on to national credit systems for collections. National credit systems claim to have sent a bill in XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXMi. Which I had moved out of in XXXX of XXXX. My mail forwarding from that address lasted 3 months from XXXX of XXXX to XXXX of XXXX. 

If they actually sent a notice to the wrong address 6 months after I moved out, I would have no way of actually getting said letter. They also never called or emailed me, despite sure deposit a subsidiary having a copy of it. The representative I spoke to claimed that they called my number, but was unable to produce any logs of the calls. They also reported the wrong phone number as mine on my TransUnion credit report. I believe they called the wrong number. 

I actually rented an industrial rug washer from the hardware store and washed/cleaned the carpet before turning the keys over on XX/XX/XXXX into a dropbox because of covid the office at XXXXXX/XX/XXXX apartments would not meet me in person.

Company response to consumer: Closed with explanation