First Advantage LNS Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/01/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 74055	Web
On XX/XX/XXXX I was contacted via e-mail, stating that their office was trying to get in contact with me " in regards to a very important business matter, '' and the subject contained an apartment complex that I lived in. On this same day, I received a voicemail, as well and it stated that it was an attempt to collect a debt. I stated in an e-mail on XX/XX/XXXX that the balance was calculated inaccurately, based on the amounts and each amount 's description, on my balance history, on the XXXX XXXX apartment complex 's website. Three separate amounts ( {$25.00}, {$44.00}, and {$65.00} ), contained a description of " Write Off - Phy Dmgs ( past Only ), and they were included in the balance that I supposedly owe, after moving out of my apartment. On XX/XX/XXXX, I informed the person who has been attempting to collect this debt, on behalf of the XXXX XXXX XXXX XXXX, that these amounts should not have been included in the calculation of the debt that I owe and that my account had a balance of {$0.00}. On XX/XX/XXXX, I officially stated to the debt collector via e-mail, that the debt she was attempting to collect from myself, was not valid. On XX/XX/XXXX, she requested that I provide the supporting documentation, showing that I had a balance of {$0.00} and that amounts were charged off, due to past damages and I provided this documentation on XX/XX/XXXX. On XX/XX/XXXX, she stated that she reached out to her client and they stated " the property has to write everything off so that they can balance their books at the end of the month, but it doesn't mean you don't owe it, '' then stated " per XXXX XXXX, the balance in full is due, no changes will be made to your account. '' On XX/XX/XXXX, I stated that an attempt to collect this debt without providing me with sufficient documentation for the validation of the debt, was a violation of the FDPCA and that I was fully aware of my rights. On XX/XX/XXXX, I received two different invoices for carpet repairs, pictures and my move-in sheet, but no documentation of how my balance was calculated, was provided. Shortly after, I was diagnosed with a XXXX XXXX and had to receive immediate care and this was my first and foremost priority. On XX/XX/XXXX, I received a letter stating that the balance had been reported on my credit report and I checked XXXX, which identified that XXXX reported a balance of {$700.00} on my credit report on XX/XX/XXXX. On XX/XX/XXXX, I e-mailed the debt collector and informed her that an inaccurate balance had been reported and that it was a violation of the FDCPA and that this debt collection being reported, caused a significant decrease in my credit score ( 30 points ) and that I would agree to pay an accurate balance, if and ONLY if, it were to be removed off of all of my credit reports. I informed here that I paid a {$190.00} deposit and {$400.00} pet deposit, while I was living in the apartment complex and I didn't think that those amounts were taken into consideration. On XX/XX/XXXX, I was provided with how my balance was calculated and only a short portion of my lease, that showed were I only paid a {$75.00} security deposit ( this amount was included in the calculation ). I signed two different leases, after the lease that she provided as the validation of this amount. She also stated that she provided me with the carpet invoices ( an invoice dated XX/XX/XXXX with a total of {$590.00} - I didn't move in until XX/XX/XXXX and an invoice dated XX/XX/XXXX with a total of {$620.00} ), neither of these totals agree to the amount that was included in the calculation of the debt, which was {$500.00}. Lastly, in the same e-mail, she stated that she " can settle my account for a one-time payment of {$520.00}, for a paid in full update, '' or that she " can submit a request to have this deleted from all three credit bureaus if the balance in full is paid. '' On XX/XX/XXXX, I responded to this e-mail, letting her know that my {$400.00} pet deposit was not included in the calculation of this debt and since she refused to update the balance that I stated was inaccurate, I would be taking further action. On XX/XX/XXXX, she stated that the {$400.00} was non-refundable and that the apartment complex stated the balance was calculated correctly and stated " again I will settle your account for a one-time payment of {$520.00} and will update it as paid in full on your credit report. '' She also included a " Resident Ledger '' that was created by XXXX XXXX XXXX ( owner of XXXX XXXX ) and stated that the {$400.00} was a non-refundable pet fee. I responded on XX/XX/XXXX and requested that I see the portion of my lease where I agreed to a non-refundable pet fee and not a pet deposit. On XX/XX/XXXX, I had not received any e-mail correspondence from her, after I requested further supporting documentation for the validation of the debt, yet I received a phone call from her and I did not answer ; thus, she left a voicemail, stating that she was attempting to collect the debt again. I e-mailed her on XX/XX/XXXX and requested that she not call me anymore, as it was during work hours. I also requested that she once again provide the supporting documentation for the non-refundable {$400.00} pet fee. I then received a response from her, stating that " she just got the documents today, '' and that she " left me 2 voicemails, ( XX/XX/XXXX & XX/XX/XXXX ). '' This is a violation of the FDCPA, due to the fact she contacted me, prior to providing me with the validation of the debt, that I requested on XX/XX/XXXX. She provided me with documentation that was signed with my initial lease and she said that it states a " {$400.00} non-refundable pet fee '' is required for a pet ; however, I reviewed the initial document and the " 27. ANIMALS '' section states " If we allow an animal, you must sign a separate animal addendum, which may require additional deposits, rents, fees or other charges. An animal deposit is considered a general security deposit. '' I never signed an additional pet addendum and now they're trying to say that it's a " non-refundable pet fee. '' My last request for validation, was for the debt collector to provide my amended and updated lease ( XX/XX/XXXX and XX/XX/XXXX ), which she refuses to provide. Two of the charges were utility charges ( {$33.00} and {$7.00} ), which I did not include in my dispute of the inaccuracy of the balance. Also, on my balance history, it shows that a " Write Off - Cleaning Charge '' of {$65.00} was charged to my account and that does not agree to how my balance was calculated either. My last correspondence with the debt collector was me providing support with the inaccurate calculation and I stated that I paid more in refundable deposits and her response was " I had already agreed to settle your account for {$520.00} which covers more than the {$150.00} security deposit you have stated you paid. '' She refuses to update my credit reports with the accurate balance and has ignored all of my documentation that supports my claims.
07/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 206XX	Web
On XX/XX/XXXX, National Credit Audit Corporation reported an alleged debt to my consumer credit report in the amount of {$2300.00}. Within their reporting, they deceptively list XXXX XXXX XXXX as the original creditor violating my consumer credit rights under the FCRA. Pursuant to 15 U.S. Code 1691a ( e ) only I can be the original creditor to my credit. On XX/XX/XXXX, I sent a Validate of Debt letter to National Credit Audit Corporation requesting that they provide all documentation validating the alleged debt. On XX/XX/XXXX, National Credit Audit Corporation sent a response letter to my request for validation with numerous consumer rights violations : 1. Pursuant to 15 US Code 1602 ( g ) of the CCPA and 15 U.S. Code 1691a ( e ) FCRA, I am the original creditor and only I can validate any debt associated with my credit. They continues to report XXXX XXXX XXXX as the original creditor violating my consumer rights. 2. Pursuant to 15 US Code 1601 ( a ) of the Consumer Credit Protection Act ( CCPA ) the response violated my consumer rights because it contained contradicting lease dates that were clear inaccuracies. The response included an alleged lease agreement with a lease period of XX/XX/XXXX through XX/XX/XXXX, while the Move out Statement/Invoice reported a lease period of XX/XX/XXXX, through XX/XX/XXXX. 3. Pursuant to 15 US Code 1692e ( 2 ) ( A ) of the FDCPA, the inaccurate dates within the documentation violate my consumer rights because they are false, deceptive, and misleading. 4. Pursuant to 15 US Code 1692g ( a ) ( 2 ) of the FDCPA, National Credit Audit Corporation violated my consumer rights by not getting validation from the original creditor as per the definition of creditor pursuant to 15 US Code 1602 ( g ) of the CCPA and 15 U.S. Code 1691a ( e ) FCRA, prior to reporting this allege debt to my consumer report. 5. Pursuant to 15 US Code 1692g ( a ) ( 2 ) of the FDCPA, National Credit Audit Corporation deceptively stated that they received validation from the original creditor when they had not. On XX/XX/XXXX, I sent a response to National Credit Audit Corporation informing them of the numerous consumer rights violations they had committed listed above along with the civil liabilities associated with each violation Pursuant to 15 US Code 1692k ( a ) ( 2 ) Fair Debt Collection Practices Act, 15 US Code 1681n ( a ) ( 1 ) ( A ) Fair Credit Reporting Act, and 15 US Code 1611 Consumer Credit Protection Act. XXXX XX/XX/XXXX, National Credit Audit Corporation sent a second response letter ignoring the original consumer rights violations I informed them of, repeating them again in the second response and committing additional violations : 1. Pursuant to 15 US Code 1611 of the CCPA, National Credit Audit Corporation has willfully and knowingly given false and inaccurate information in regard to this alleged debt violating my consumer rights. 2. Pursuant to 15 US Code 1601 ( a ) of the Consumer Credit Protection Act ( CCPA ) the response dated XX/XX/XXXX violated my rights because it contained clear inaccurate after being informed that the information was inaccurate. 3. Pursuant to 15 US Code 1602 ( g ) of the CCPA and 15 U.S. Code 1691a ( e ) FCRA, National Credit Audit Corporation continues to violate my consumer rights by falsely naming XXXX XXXX XXXX as the original creditor even after being provided the true identity of the original creditor per the exact definition of creditor. 4. The response dated XX/XX/XXXX included an alleged lease agreement with a lease period of XX/XX/XXXX through XX/XX/XXXX, a lease renewal XX/XX/XXXX, through XX/XX/XXXX, along with a Move out Statement/Invoice with a lease period of XX/XX/XXXX, through XX/XX/XXXX. The documentation contained no alleged renewal agreements between the dates of XX/XX/XXXX to XX/XX/XXXX making any alleged lease renewals dated on or after XX/XX/XXXX and all associated alleged debts with these dates invalid. The missing documentation immediately deems the consumer reporting misleading and deceptive pursuant to 15 US Code 1692e ( 2 ) ( A ) of the FDCPA. 5. Pursuant to 15 US Code 1692 ( b ) no debt collector can state that a consumer owes any debt to anyone but the consumer. However, by reporting this alleged debt to my consumer reports, National Credit Audit Corporation has violated my consumer rights under the FDCPA. 6. Pursuant to 15 US Code 1692e ( 2 ) ( A ) the missing alleged renewal agreements violates my consumer rights because the consumer reporting is false, deceptive, and misleading as listed throughout this complaint. 7. Pursuant to 15 US Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 US Code 1681s-2 ( a ) ( 1 ) ( B ) of the FCRA, National Credit Audit Corporation violated my consumer rights when they continued to report this allege debt to my consumer credit report after being notified by me of the inaccuracies. 8. Pursuant to 15 US Code 1692g ( a ) ( 2 ) of the FDCPA, National Credit Audit Corporation violated my consumer rights by not getting validation from the original creditor as per the definition of creditor pursuant to 15 US Code 1602 ( g ) of the CCPA and 15 U.S. Code 1691a ( e ) FCRA, prior to reporting this allege debt to my consumer report. 9. Pursuant to 15 US Code 1692g ( a ) ( 2 ) of the FDCPA, National Credit Audit Corporation did not receive validation from the original creditor violating my consumer rights. They provided a declaration stating they were only required to verify a debt which is false pursuant to 15 US Code 1692g ( a ) ( 2 ). 10. Pursuant to 15 US Code 1692d ( 1 ) no debt colle ctor can use the threat of harm to any persons reputation, however National Credit Audit Corporation has used my credit report as a means to harm my financial reputation. 11. Pursuant to 15 US Code 1692d ( 4 ), no debt collector can advertise an alleged debt to coerce payment, however National Credit Audit Corporation has advertised this alleged debt to my consumer credit report in attempts to coerce me into paying them, violating my consumer rights. 12. Pursuant to 15 US Code 1681n ( a ) ( 1 ) ( A ) of the FCRA, National Credit Audit Corporation has violated my rights by willfully failing to comply with the requirement imposed under this federal subchapter with respect to my consumer rights.
05/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60649	Web
Hello, This correspondence is in regards to a collection account applied to my credit report in the name of National Credit Audit or XXXX XXXX XXXX XXXX in the amount of {$5800.00}. I have previously requested this account to be removed and for proof of charges and have received no assistance from said creditor. Per the below municipal Landlord and Tenant codes I wish to have this item removed. Per the Municipal Code of XXXX Chapter 5-12 Residential Landlords and Tenants 5-12-040 Tenant responsibilities. Every tenant must : ( a ) Comply with all obligations imposed specifically upon tenants by provisions of the municipal code applicable to dwelling units, including Section 7-28-850 ; * * Editor 's note Per Coun. J. 6-5-13, p. 55787, 6, the text of paragraph ( a ) reading ... including Section 7-28-850 becomes effective on XXXX-13. ( b ) Keep that part of the premises that he occupies and uses as safe as the condition of the premises permits ; ( c ) Dispose of all ashes, rubbish, garbage and other waste from his dwelling unit in a clean and safe manner ; ( d ) Keep all plumbing fixtures in the dwelling unit or used by the tenant as clean as their condition permits ; ( e ) Use in a reasonable manner all electrical, plumbing, sanitary, heating, ventilating, air conditioning and other facilities and appliances, including elevators, in the premises ; ( f ) Not deliberately or negligently destroy, deface, damage, impair or remove any part of the premises or knowingly permit any person on the premises with his consent to do so ; and ( g ) Conduct himself and require other persons on the premises with his consent to conduct themselves in a manner that will not disturb his neighbors ' peaceful enjoyment of the premises. 5-12-130 Landlord remedies. Every landlord shall have the remedies specified in this section for the following circumstances : ( c ) Failure to Maintain. If there is material noncompliance by the tenant with Section 5-12-040 ( other than subsection ( g ) thereof ), and the tenant fails to comply as promptly as conditions permit in case of emergency or in cases other than emergencies within 14 days of receipt of written notice by the landlord specifying the breach and requesting that the tenant remedy it within that period of time, the landlord may enter the dwelling unit and have the necessary work done in the manner required by law. The landlord shall be entitled to reimbursement from the tenant of the costs of repairs under this section. Therefore, based on the above codes please provide photographic evidence that said tenant, was in violation. Also, please see attached photographic evidence of the dwelling, where no said damage is shown. Also, please provide documentation reflecting a written notice was provided to the tenant within the 14 day time frame specified above, including but not limited to certified mail receipt, priority mail express, priority mail, First-Class Mail Package Services, or USPS Retail Ground Media Mail. 5-12-080 ( 2 ) A reasonable amount necessary to repair any damage caused to the premises by the tenant or any person under the tenant 's control or on the premises with the tenant 's consent, reasonable wear and tear excluded. In case of such damage, the landlord shall deliver or mail to the last known address of the tenant within 30 days an itemized statement of the damages allegedly caused to the premises and the estimated or actual cost for repairing or replacing each item on that statement, attaching copies of the paid receipts for the repair or replacement. If estimated cost is given, the landlord shall furnish the tenant with copies of paid receipts or a certification of actual costs of repairs of damage if the work was performed by the landlord 's employees within 30 days from the date the statement showing estimated cost was furnished to the tenant. Per the above code paid receipts or certification of actual costs or repairs of damage should have been provided to the tenant, within 30 days. Please provide legal documentation reflecting this was provided to the tenant, XXXX XXXX, within the specified time frame. This proof can include, but not limited to certified mail receipt, priority mail express, priority mail, First-Class Mail Package Services, or USPS Retail Ground Media Mail. I have asked National Credit Audit to provide the above on multiple occasions and to no avail. I have not received proof that any of these charges are viable or legal. I ask that you please remove the collection account of National Credit Audit or XXXX XXXX XXXX XXXX in the amount of {$5800.00} that was opened XX/XX/2014 from my credit report.
08/31/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	MD 21117	Web
To whom it may concern, I am XXXX XXXX XXXX XXXX, all the statements that I make will be supported by documents from NCAC XXXX XXXX XXXX XXXX. I am currently in a very malicious & cruel dispute with NCAC XXXX XXXX XXXX XXXX. This has prevented me from being able to attain housing. I am currently homeless writing this letter from a hotel room. The problem is that the dispute was placed on my credit report by XXXX XXXX, extra fees they alleged were renters ' insurance. In Maryland, you need to have renters ' insurance before moving into an apartment. I had renters ' insurance with XXXX XXXX at this time. XXXX XXXX XXXX was also in a class action lawsuit for this very thing. Charging tenants for renters ' insurance and all kinds of extra fees. XXXX XXXX lost this class action lawsuit. There are more than XXXX violations that I presented to XXXX and XXXX, that should have been taken off my credit report. The first one is that the information they provided to XXXX XXXX XXXX was not accurate. It had the wrong address and amount that I owed. XXXX XXXX XXXX keep it on my credit report. So, I finally tried to pay it off because I am homeless, and I need a place to stay. I called to try to pay it off. I was willing to pay up to 30 % of the debt to get it removed from my account. NCAC sent me the ledger and then asked if it was accurate. Lo and behold it was inaccurate. They had charged us for renters ' insurance when we already had renters ' insurance. I emailed proof of us being insured with XXXX XXXX. I got a response back from XXXX XXXX, XXXX XXXX for NCAC, phone number XXXX # XXXX. This is the person who said she would make sure that this mark stays on my credit report for 7 years. It was forwarded from XXXX XXXX lawyers telling her to keep this mark on my credit. They want the full payment, and they will not negotiate a settlement price. At this point, I feel like my options are running out of options and I may have to take this matter into my own hands. It seems like the government allows corporations to victimize American citizens for profit. From the time NCAC unlawfully placed {$8900.00} or {$8900.00} on my credit report without sending me any notification of them doing so, this has been an eye-opening experience to say less. This matter should have already been taken off my credit report, based on all the violations NCAC outright committed against me as a well-informed consumer. I will list all the following violations as they happened with any other attachments to support my claims. XXXX ) At this time XXXX XXXX was in a Class-action lawsuit from their renters. XXXX validated my debt with the lease from XXXX XXXX XXXX XXXX XXXX ). So, XXXX, XXXX XXXX XXXX XXXX allowed NCAC to use my lease to keep the debt on my report. XXXX brought the debt in the first place. This is not proof that I knowingly and willingly agreed to do business with XXXX. XXXX ) The addresses that XXXX has forged along with XXXX XXXX dont match, therefore, the information is not accurate and should be removed from my credit report. I lived at XXXX XXXX XXXX XXXX # XXXX, XXXX, Maryland XXXX, which is a XXXX bed XXXX bath. This is the very address on my credit report. On the documents, NCAC and XXXX XXXX are contradictory at best. They have XXXX XXXX XXXX XXXX # XXXX XXXX, Md XXXX. That address is a XXXX bed with and den and XXXX bath. I never lived at that address. But, that information was sent to NCAC from XXXX XXXX as the information to validate the debt. XXXX ) I have it on more than XXXX documents that NCAC said I owed {$8900.00} on my XXXX, XXXX XXXX XXXX Reports. Then recently XXXX sent me a letter saying I owed them {$8900.00}. XXXX ) NCAC has the same mark on my wife 's credit report for the exact amount that is on my credit report. XXXX ) In my last exchange with NCAC I want to pay the debt off because at this point I don't need this on my credit anymore All the documents I am using were the documents NCAC has used to keep this mark on my credit report. This is not the first time I have made disputes about these issues and XXXX, XXXX XXXX XXXX have not done anything. Even after proving NCAC has and continually violated XXXX Rights law You all continually let NCAC keep this negative mark on my credit with all the loose documents You all allow them to use. You all should be ashamed of yourself. But, for the record, a copy of this letter will be going to the Maryland Attorney XXXX XXXX and the Consumer Financial Protection Bureau. You all have a nice day.
03/07/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 32792	Web
I filed bankruptcy chapter XXXX my attorney included everything he saw on my credit and We listed companies that werent showing yet. After a few months I saw XXXX show up On my credit which is a 3rd party collection agency which I did not include XXXX because We didnt see that on report we only included original creditor XXXX townhomes. My attorney sent the townhomes the bankruptcy and the creditors it included XXXX being one of them advising them to send the bk info to the collection agency they sold it to. I never heard from XXXX again so I thought it was handled. Ive just now noticed that the collection agency is still reporting it to 2 credit reports. So I reached out to my attorney again showing him the collection agency is still reporting it even though original creditor was included. He advised me to send dispute letters to credit bureaus which I did last week. Its showing discharged on my XXXX report but its still showing on XXXX and XXXX. I have disputed it with original creditor and now Ive disputed it with the collection Agency. I disputed with original creditors 3 years ago and theyve decided to ignore my chapter XXXX and have continued to allow the 3rd party agency report to 2 of my credit reports. This collection agency continues to send collection letters and still continues to report even though I have provided them with all the info. They have made me feel forced to pay this because its preventing me from being able to rent another place and they wont stop reporting it. I was going to pay and then cancelled my check because I was advised not to pay this no matter how threaten I feel. Its causing me to now be homeless, and that was the only reason I was going to pay it. Because Ive done everything and Ive sent all proof and they wont stop. Now they have called me and I tried to tell the woman this is a part of bankruptcy and she continued to cut me off and didnt want to listen to me at all or take down my b/k info or atty info. She started to raise her voice and become confrontational so I hung up. I just got off the phone with XXXX and they have my bk info and said they will give me an answer in 30 days and that I should reach out here too since its caused me to be homeless now. I just dont understand why all 3 reports arent reflecting the same information. I need the discharge to reflect my bankruptcy with XXXX and XXXX. This collection agency is called XXXX {$3200.00} collecting for XXXX townhomes out of Texas. I just want this to stop. Its causing me severe stress and Im already dealing with XXXX XXXX and XXXX of the XXXX and its making me sicker. My XXXX is out of control. Ive now been denied an apartment that will help me because I can no longer work until Ive beat this. This was one of the only apartments willing to help me and work with me barely having income but child support. They wont let me in here until XXXX reflects the same info as my other credit bureaus. I have to wait 30days for a dispute to be answered when this should have been fixed a while ago. So Im just doing what XXXX told me to do and contact you as well. Please help me. Im not someone just trying to get paid or I would have already got an atty to represent me to fight this and request payment or a settlement for the stress its caused me I just want it fixed. So Im reaching out one last time to you, them, the apartments, and the credit bureaus and if I still cant get this fixed I will have no choice but to seek legal help because Ive done all I can do on my side. Please have them fix this. The last thing I want is some huge court battle when Im already so sick. But if I have to I will because I need help so I can get treatment. This apt was going to assist with low income monthly payments so I can focus on my treatments, this apt is my only hope so I can beat this and live and they said they will still help but I have to get this to report correctly on my reports before they can. So Im giving this my last shot before I go all the way my life is depending on it.
12/15/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75043	Web
I resided at XXXX XXXX for an entire year XXXX to XXXX. On XXXX XXXX I provided a check for the full amount of my rent as always, however I forgot to write the name of the apartment complex on the line. I received a call to come write the name of the check via email, so I responded by calling one of the property manager ( XXXX XXXX ). She advised me that it was no big they could write the name in for me due to my son and aunt being in the hospital. Well hours after speaking to her I received another email from a different property manager ( XXXX XXXX ) stating that I need to come write the name in and bring late charges because it was not the XXXX of XXXX. I responded and informed her that the other property manager stated that this issue was resolved and there was no issue with anyone writing the name of the apartment on the check. She then stated that she would write the name on the check, however I should come in at my leisure and submit all applicable late charges. In return responded and informed her, I have never been a problem, nor had I ever been late. so why was she making this simple mistake such a big deal with no substantial merit. She did n't respond! So I sent several emails and called each day afterwards making every attempt to come by and write the name on the check and pay the little one day late fee. Well surprisingly no one answered from my number, so I sent another email stating that I have left several voice messages and emails offering to come by and provide a resolve, with no feedback from anyone. ( Keep in mind my family was in the hospital which is why I was n't at home to begin with or else I could have just walked a couple of feet and resolved the issue ). Finally she responded after I threaten to go to the owners of the property. She responded via email and said that now I owed more lates fees. plus my regular rent and eviction fees because it had been filed 4 days later. So needless to report, she filed an eviction on me very swiftly. I was in court on the XXXX of XXXX attempting to prove I was not in the wrong. I brought a copy of all the emails and the copy of the check she sent me, the judge was not willing to here anything I said.. I mean nothing. I informed him that she had my check and if she was n't going to run it for {$870.00} that I made it out for, that she needed to give my check back because it had my account number on it. The judged ignored me as if I did n't say two words the entire time, never looked at any of my evidence per my request, never responded to the fact that I asked him to ask her if I had ever caused any issues or been late even one time, never acknowledged anything I said and did n't make her give the check back that she was not going to accept although I had over XXXX sitting in my acct. So it did n't stop there after she won the eviction I did a walk thru with her and someone she was training at the time. She confirmed verbally that there was no damages done to the property so I provided her the keys and something told me to take photos while she was present. I took the photo 's which I still have. Well a few months later it appears on my credit, I called her and inquired abt to fictitious charges, she said come by. She handed my an invoice, so I said this ca n't be for my unit because you and I did a walk thru upon me relinquishing the keys. She jsut looked at me and told me to excuse myself from the property, I left immediately with fear of her calling the authorities. Afterwards I emailed the owner and disputed it with the creditor. The owner said he would investigate only to come back and talk a lot of smack thru my email- I have proof of all of these emails, I mean one after another email. Well I disputed with the creditor verbally, the rep stated that she went back to the original creditor who stated they did n't have pictures of the damage or receipts
10/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 173XX	Web	Servicemember
In XX/XX/XXXX I cosigned a 12-month lease for my brother, to become effective in XX/XX/XXXX, who subsequently moved to NY in XX/XX/XXXX. I contacted the Management Office and asked the procedure for breaking the lease as described under paragraph 20 of the lease ( copy attached ). I was advised the Lease Buyout Option would constitute one months rent with a 30-day notice. I formally notified the Management Office on XX/XX/XXXX that the lease was being terminated effective 30 days from that date. I was subsequently advised that the fee must be paid at the time of request to terminate. The one-month termination fee was paid on XX/XX/XXXX which made my brother financially responsible through XX/XX/XXXX. Copies of the emails which document these communications are attached. Now XXXX rent was paid on XX/XX/XXXX and a copy of the rent receipt is attached. Because the one month termination fee was paid on XX/XX/XXXX as noted above, the only remaining balance is for the first weeks rent in XXXX and any ancillary move-out fees. A copy of the Move-out Statement from XXXX XXXX is attached and you will note the one month termination fee is charged twice. That is the disputed amount. I advised the Management Office that all correspondence should be sent via email as I was traveling through XX/XX/XXXX and would not be receiving USPS mail. This email was sent XX/XX/XXXX and is attached. On XX/XX/XXXX I received a text message from my brother with a copy of a collection notice from NCAC ( copy attached ). Until this point I had heard nothing from XXXX XXXX about a final balance due. On XX/XX/XXXX I received an email from a XXXX XXXX of NCAC providing me a copy of the Move-out Statement and advising me they can process payment over the phone ( copy attached ). At this point I called the Management Office at XXXX XXXX XXXX to inquire about how this matter could have so recklessly evolved out of control without my having any knowledge. I was subsequently advised I must discuss this matter with their corporate office and provided a telephone number. I called and left numerous messages but never received a return call. On XX/XX/XXXX I responded to XXXX XXXX email ( copy attached ) explaining the situation and offering to resolve the matter for the correct balance of {$630.00} which constitutes XXXX rent for the first week and some ancillary fees. I advised I would not pay an additional termination fee of {$980.00} since that was not part of the lease termination agreement. Since that time I have gone back and forth with NCAC explaining my position and continuing to offer to settle the matter for the balance of {$630.00} and them simply providing instructions for how to make payment of {$1600.00}. In XX/XX/XXXX NCAC filed a collection with all three credit bureaus accusing me of being a debtor of a {$1600.00} balance. I found this action on their part outrageous and engaged counsel to assist in the resolution of the matter. My counsel sent a letter to NCAC ( attached ) and the debt was subsequently reduced to {$630.00} but the collection remains. XXXX discharged the collection based on a detailed dispute I initiated. XXXX XXXX claimed they reduced the collection to {$630.00} based on my dispute ( a falsehood as the reduction was a result of my counsels letter ) and XXXX claimed they required more information. I must make the point that only XXXX behaved on behalf of the consumer and the others credit bureaus behaved either incompetently or negligently. So here we are now with collections for {$630.00} on my credit record with both XXXX XXXX and XXXX. My brother also has collections on his credit reports with the three credit bureaus. I have always been open and willing to pay the {$630.00} balance but not the {$1600.00} which NCAC has consistently demanded until recently.
05/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21207	Web	Older American
In summer of XXXX, I received a notice from NCAC ( National Credit Audit Corporation ), a collection agency that apparently purchased a so-called debt from my old apartment management company XXXX XXXX. NCAC starting sending letters stating I owed the debt of {$1900.00} from my old apartment complex XXXX XXXX who was recently bought from XXXX XXXX. in XX/XX/XXXX my apartment at XXXX XXXX XXXX # XXXX, XXXX XXXX, MD XXXX was in a fire that started in the building next door to my building but quickly spread to my building. I lost nearly everything in my home from fire, smoke and water damage. The apartment management team kept residents in their office till nearly midnight trying to locate every resident that did not have housing to cheaper apartments they own for the same luxury rent we were paying. I refused to relocate to an apartment outside the property, so they found another apartment that I could move in immediately. My original lease agreement was from XX/XX/XXXX through XX/XX/XXXX. The lease was to be transferred to the new apartment as the original lease and I signed a new lease for the same term dates as the original lease. A week after I signed the new apartment lease agreement, the office called to ask me to come in and sign a new lease agreement stating that nothing 's change only that the lease I signed has to old company 's information on it and I need to sign a lease agreement with the new management name. Since I did not receive a copy of the lease agreement from the night of the fire, when I arrived I asked for the copy I signed the night of the fire and I took pictures of that lease agreement. The new lease agreement the apartment tried to make me sign was a whole new date starting from the date of the fire until XX/XX/XXXX. After a few choice of words I demanded that the management office change the lease agreement to my original date and they complied. I refused to signed the sneaky agreement that was starting my lease all over again. Besides I was pre-appoved for a home loan so I knew better to sign a new lease agreement when my lease was due to expire effective XX/XX/XXXX. Now the debt is reflecting on my credit report with 2 credit bureaus negatively. The management company sold to NCAC that I owed them {$1900.00} which I do not owe. I have copies of the lease agreement I signed on the day of the fire and I have a copy of the lease agreement I signed on XX/XX/XXXX with the same terms after they tried to get me to sign a renewed lease agreement. Also, NCAC reported this information to the credit bureau. In response to my dispute letters to NCAC, they ar e sending me a copies of a lease agreement which is NOT signed at all that reflects no signatures or date signed on the lease agreement. Also, the lease agreement sent was a lease agreement for the wrong time-frame. I have a copy of the original lease agreement that was transferred to another apartment when I had an apartment fire. The apartment that had the fire lease agreement was transferred to the apartment that the management company relocated me the night of the fire. I signed the lease agreement of the new agreement with the same dates of the fire apartment ( which I have copies of ). I have a copy of 2 lease agreements with the same correct dates, but they have removed the correct lease and replaced it with the lease agreement I did not sign ( Nor did my co-signor ). I would like to file a complaint against National Credit Audit Corporation because they have reported the debt to the credit bureaus and I would also like to file complaint against XXXX XXXX. I have proof of the lease agreement signed plus, I have copy of the letter from the management company stating my move out date and close out letter. I have also emails from the management company confirming my move out date
07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 206XX	Web
I see a few violations involving XXXX and XXXX along with a third party collection company XXXX XXXX XXXX account XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying Information of another person without authority. Anything added to my report without my writte n consent could be considered Identity theft. National recovery agency is a third party collection That buys charged off debts from companies. According to the IRS website. A charge off is considered a Certificate of Indebtedness which means it is considered Income and must be removed. Also I uploaded a screenshot of my credit report showing the inaccuracy of the reporting. XXXX and XXXX have two different dates of when the account was open. 15 U.S. Code 1681e Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall Follow reasonable procedures to assure maximum possible accuracy of the Information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information Contained in consumer reports you are also violating compliance procedures Under this title 15 U.S. Code 6802 Obligations with respect to disclosures of personal Information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution May not, directly or through any affiliate, disclose to a nonaffiliated third Party any nonpublic personal information, unless such financial institution Provides or has provided to the consumer a notice that complies with Section 6803 of this title 15 U.S. Code 1681c Requirements relating to information contained in consumer Reports Except as authorized under subsection ( b ), no consumer reporting agency may Make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of Convictions of crimes which antedates the report by more than seven Years. No adverse item besides the conviction of crimes should be on your report Any item that is a derogatory mark is not allowed into consumer reports. This is another violation
01/06/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NH 032XX	Web
When we moved out of our apartment at XXXX XXXX in XXXX XXXX, VA. I had went to the front desk to be sure that we would n't owe anything for the carpet in our apartment. We have a dog and cat. I paid a non refundable $ XXXX/month pet fee to cover any pet damages that may occur during our stay. We lived in that apartment almost 4 years. During which time that apartment got flooded from other apartments above and on the side at least 3 or 4 times. All the flooding had been reported to the front desk right away. In all the cases they sent in someone to suck out the water from the carpets. Despite the fact that they " took care '' of the standing water in our apartment. I still had mold growing in my closets and on my personal belongings. The vast majority of my belongings had white mold growing on them when we moved out. The apartment always smelt musk, I constantly had XXXX, both my husband and I had XXXX that would not subside. I had informed the front desk of the mold issue when I found black mold growing in the closets. They came and sprayed a terrible smelling chemical in the apartment. I asked if we needed to leave and air out the apartment, I was told it was not harmful to animals or humans. The smell made us all very ill for the next couple of days. XXXX. I aired out the apartment as much as possible during the day, but it was still lingering for several days after they treated the black mold. The women who lived in the apartment above me, said she had the same issues with mold growth in her apartment. My dog had a handful of accidents on the floor, I always cleaned it up and shampooed the carpet immediately. So when I asked the front desk when we moved if we would be charged for the replacement of the carpet ... because I knew it would have to be replaced. I was told ; " No, we replace all the carpets in every apartment that have pets to be on the safe side. Any damages caused by your pets would be covered under your non refundable pet fee anyway. And you submitted a non refundable deposit when you moved in. So you wo n't owe anything. '' Several weeks after we moved, I got a bill for $ XXXX dollars. It claimed that my dog so severely ruined the carpet and the cement that both the carpet and cement had to be replaced. This seemed a bit extreme, considering that that apartment had been flooded by water, ( water marks and damage could be seen along the trim ) and the flooding from the other apartment occasions. Obvious damage that is documented to leave the carpet unsavable. And if by some chance my dog really had damaged the floors that bad ( very unlikely ) ... the $ XXXX/month in addition to my rent payment, that I had paid in non refundable pet fees for the past 3-4 years would have been more then enough to cover the cost of damages. So I refused to pay a bill, that I - 1. clearly did n't owe and 2. that I had paid enough in pet fess to have covered multiple times over. I attempted multiple times to call the front desk to resolve the issue. They refused to return my voicemails and refused to answer the phone during business hours when I would call. It was clear to me that the company was just trying to get more money out of me, by threatening to send the bill to collection.
06/26/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 752XX	Web
Over the years I have made several attempts to address the debt being reported on my credit report with the company, National Credit Audit Corporation. In the disputes, filed online with each credit bureau and directly with the company, I challenged the validity of the debt itself and the amount of the debt the company and the original contract holder stated I owed. My many attempts were futile and never resulted in a correction of the information. I suffered, financially, due to this erroneous reporting. I can provide proof of the financial consequences to substantiate my claims, if needed. The company not only defamed me by reporting the inaccuracies but they violated my rights, as they are provided to me under the Fair Credit Reporting Act. The Fair Credit Reporting Act 623 ( a ) ( 1 ) ( A ) states Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 623 ( a ) ( 1 ) ( B ) ( ii ) states Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if the information is, in fact, inaccurate. For many years, the company erroneously reported that I owed a balance of {$5000.00} doing so caused irreparable damage to my credit score and ability to rent an apartment without providing an additional deposit that I, otherwise, would not have to. I would call the company and would be verbally assaulted. On one occasion the agent, XXXX, without authorization, pulled my report and told me you just dont like paying your bills ; you havent paid as she proceeded to name collections that were listed on my report. It has been the most exhausting experience. All the while, my rights as a consumer have been completely disregarded. In XX/XX/XXXXafter many phone calls and hours of sitting on hold and being spoken to as if I were, subhuman by an agent by the name of XXXX, whom I would ALWAYS be transferred to despite me asking not to be transferred to her I got a different agent. We went over the charges and she admitted some were wrong. I also sent in proof that directly negated other charges. On XX/XX/XXXX I came into contact with XXXX XXXX at the corporate office who was able to confirm the amounts were incorrect and submitted to have them adjusted. On XX/XX/XXXX I received an email from XXXX XXXX in the corporate office who advised me that the revised amount of {$3400.00} will be reported to the credit bureaus although I disagreed with that amount they were no longer interested in further reviewing the many errors despite my having proven that there were at least {$1500.00} in errors, by their own account and admission. I was never offered an apology for the many years of abuse and harassment. I was never offered an apology for the money I had to spend to on additional deposits or the detrimental effect their carelessness had on my credit scoring. I have all of these things well documented in my email and can fax them in or forward them to a representative at the company, if needed.
07/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web
Regarding : Account XXXX XXXX Im writing you in regard to an account on my credit report ( s ) you claim I owe. Since Im unaware of this debt and its origin, Id like to formally request validation of this alleged debt. To be clear, I am unaware of this debt and according to the FDCPA, Im disputing this debt and need complete, irrefutable evidence this account is legitimately mine and this claim is legally yours, you are legally allowed to collect on it, as well as report it to the credit reporting agencies. Please respond to me with the following information : A copy of the application for credit on the account that you allegedly claim that I owe. A copy of the contract and any amendments that may have been made thereto as this will show what the terms of the contract are so I can see exactly what you are pursuing and the amount you are trying to collect. Proof the amount you are claiming is correct and legal, which will require all statements and payment history. Proof this account is within the Statute of Limitations and has not expired. Proof you are the owner of this account, which will require the FULL AND COMPLETE purchase agreement between you and the original furnisher so that I have evidence you that you have the proper legal capacity and authority to collect this alleged debt that you claim I owe. As far as everyone is concerned, I have never engaged in business with you. Proof you are legally licensed ( bonded and insured if applicable ) to collect this debt in my state ( TEXAS ). For verification purposes, I will need your business license number ( s ). I am sure you are aware if you are unable to provide these few basic facts, you are in violation of the FCRA and FDCPA, as well as potential state and local laws. That being said, if you can not provide this basic information, and continue to report this unverified, non-validated debt, I will pursue this legally for violating the Fair Credit Reporting Act. Until this debt is validated, I request the above account be removed from all credit reporting agencies, since it is unverified and has not been validated. Please remove all references regarding this debt from all reporting agencies until you can provide irrefutable evidence this debt is legitimate and you are legally allowed to collect on it as the owner of this debt. If you are unable to provide the proof I requested within 30 days of receipt of this notice, please remove this account from all reporting agencies, which is mandated under federal law. I am ready to prosecute you if otherwise. Until the above request for irrefutable evidence about this account is sent to me, please cease and desist all further future attempts to collect on this debt. This includes no phone calls to my home phone number, no calls to my place of work, and no calls to my mobile phone. Please understand, all future phone calls made by or from your company, whether answered or unanswered, will be tracked and recorded. I will also use this information to help prosecute you and your company to the fullest extent of the law.
04/27/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21146	Web	Servicemember
This is but a brief history of a very difficult and unnecessary problem that I have endured for the past three years ; with the only result being my damaged credit. It all began in XX/XX/XXXX, when I moved into XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, Maryland. Shortly after I moved in, a neighbor began harassing and stalking me. I notified the office manager after each occurrence. I would also contact the police who would complete reports of the incidents. As the stalking progressed, I eventually filed a peace order against this individual. In XX/XX/XXXX, the apartment office manager authorized a move to a different location on the property. Because she said, " of all of the trouble you've had ''. However, the stalking continued even at the new location. When I contacted the Police at this time, I was told that the individual was likely watching me and keeping note of my movements. Due to this, and for my own safety, I put in notice of my intent to permanently move from the property. During this time my rent was current and I continued to pay rent. Prior to my move, I notified the office manager via email, that I would be travelling on a scheduled trip, outside of the country. Also, in the email was a request to the office manager, to provide me with the final amount of the rent. Instead of responding to this email, the office manager initiated a judgment and eviction notice. With the full knowledge that I was out of the country and could not respond. Upon my return to the United States, I appealed the judgment. The judgment and all fees associated with it were dismissed by the Judge, at the hearing. Although dismissed, the office manager still sent these fees to National Credit Audit Corporation, for collection. The collection agency has, in turn reported the collection to the credit bureaus. Although National Credit Audit Corporation has been provided with the information to end the collection, their collection efforts continue. And the collectors refuse to end their troubling collection practices insisting that I am responsible for the fees, although the facts prove otherwise. I have disputed this collection with the credit bureaus at least three times and I have provided two copies of the judgment. During this time, I have also, per my attorney 's advice, sent a cease and desist letter, to the collection agency in response to constant and harassing phone calls. The credit bureaus have only exacerbated the problem, insisting that the collection agency decides whether or not the collection is removed from my credit report. Further, my credit score improves somewhat after each dispute, only to have the score drop after the collection is again reported to the credit bureaus. My most recent credit score having dropped nearly 100 points. The collection agency has been deliberate and methodical in their repeated attempts to permanently ruin my credit. National Credit Audit Corporation has been sued for debt collection practices and has been repeatedly reported to the Federal Trade Commission.
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 206XX	Web
" Under the Fair Credit Reporting Act 15 USC 1681 Section 602 a states " It is necessary to ensure that credit reporting agencies discharge their serious responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure that my private information is not disclosed, which is supported by 15 USC 6801, which states, " It is the policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of the nonpublic personal information of those customers. '' ( transmitters of information to credit reporting agencies ) is a financial institution as defined in this title. 15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), a consumer reporting agency may provide a consumer report only under the following circumstances : in accordance with the written instructions of the consumer to whom it relates. '' ( disclosure of information to credit reporting agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX, and XXXX Do Not have my consent to share this information, and they certainly do not have my written consent. Any consent to XXXX, XXXX, XXXX ( suppliers of information to credit reporting agencies ), whether oral, non-oral, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how to exercise this option not to disclose. '' ( Disclosure of Information to Credit Reporting Agencies ) never informed me of my right to exercise my right not to disclose. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as permitted under subsection ( b ), no consumer reporting agency may provide a consumer report that contains any of the following information Any other adverse information, other than records of felony convictions, that dates back more than seven years to the report. '' This account is adverse information that they are re-reporting without my permission, which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states, " A person shall not provide information about a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Each consumer reporting agency shall maintain reasonable procedures designed to prevent violations of section 1681c of this title and to limit the provision of consumer reports to the purposes specified in section 1681b of this title. '' XXXX, XXXX, and XXXX do not follow adequate procedures. Also, 12 CFR 1016.7 states, " A consumer may exercise the right to withdraw at any time. '' I am opting out of your reporting services. ''
09/02/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 782XX	Web
I lived at the XXXX XXXX XXXX XXXX in XXXX Texas. I rented a, floor to ceiling,. windowed apartment, corner unit that looked down XXXX XXXX XXXX and a garden grass area. We rented that unit and paid additional rent based on its location, corner unit and full windows (that was how it was advertised "Corner Unit Full Glass"). After a couple of months and much construction dust the windows on the outside became filthy (I have pictures), from the outside. These windows were non-operable and could not be cleaned by any tenant. I wrote the landlord 7 times from XX/XX/XXXX to XX/XX/XXXX asking for them to clean the windows. Stating I rented a complete walled glass corner apartment and you can hardly see out of them. In my lease agreement Para 31.1 and 31.2 it states that after 2 requests stating a common area (exterior windows being common to the bldg.) is not maintained that my next course of action is to move out. I notified the landlord that I was moving out based on this language. They then told me someone was coming to clean the windows, which never happened. It is my understanding that they did have someone clean all the windows in the bldg about 3 months later and after my original lease expiration. I followed all the contract language, gave proper notice, paid my rent up to the last day, cleaned the apartment and did not deduct my deposit amount. The unit was left in perfect condition, as I have records of their final inspection. They have not returned my deposit and they want me to pay the last two months of my rent. XXXX (collection agency) contacted me in XX/XX/XXXX, I had communicated (writing and Phone call) with XXXX XXXX of XXXX XXXX, XXXX XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX oXXXX XXXX, I have written and talked directly to each of these people I have even written the President of the Apartment complex. None of these people ever get back to me. They say they will then I just receive another letter 30 days later. I have told and written to them I do not owe them money that they owe me $XXXX rent deposit. But they just ignore me and send me another letter. I tried to negotiate, starting with return my deposit ($XXXX) to return $XXXX of the deposit. But XXXX states that they are a collection agency and don't have the money. They continue to write false letters stating that they attempt to contact me and I do not respond, this is not true my last contact was with XXXX XXXX onXX/XX/XXXX, here is her response: --------------------------------------------------------------------------------------------------------------- On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX wrote: I didnt say you arent right I happen to agree with you and I plan to point this out to their bosses to see where it goes. XXXX XXXX Client Support Specialist XXXX XXXX XXXX XXXX XXXX ext XXXX Fax XXXX -----------------------------------------------------------------------------------------------------------------
12/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21401	Web
NCAC has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means. I have reasonable cause to believe that NCAC had prior knowledge that punishing a consumer for the nonpayment of an extension of credit by engaging in extortionate means was a violation of the XXXX act. NCAC has not attempted to lawfully validate this alleged dent prior to furnishing this false tradeline to nonaffiliated third parties as an attempt to jeopardize my consumer credit reputation. I did not and do not consent to the furnishing of this false tradeline to any credit reporting agencies. The furnishing of this false tradeline violates the FCRA. I am demanding NCAC provide me with a bill of assignment, your license to collect in my state, and your errors and omissions insurance information. NCAC is also to provide me documentary evidence such as the books of accounts or any evidence as described under 15 USC 144 that this is in fact a legitimate debt owed to them. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and my financial reputation and move to file suit for the intentional infliction of emotional distress I received on behalf of these extortionate tactics. If NCAC can prove this extension of credit is in fact a " debt '' as they claim, I would like to know what legislative branch granted your enterprise the right to collect debt in the United States. If your enterprise does not have prior approval from any legislative branch of the government in the United States, your company is knowingly in violation of the Fals Claims Act and shall be turned in to the attorney general. If this account turns out to be an extension of credit, NCAC is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of a consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028A and violation of the RICO act 18 USC 894. Although your enterprise has " lawfully purchased this debt '', you are not exempt from any legal consequences that your actions have caused. In accordance with the FDCPA, you should also be aware that your company is equally, if not more, at fault for engaging in these unlawful extortionate means as there is no innocent purchaser for value. This is a demand to cease and desist all illegal activity and remove this fraudulently furnished tradeline from my consumer report immediately or I will follow you with a complaint with the FTC and my state 's attorney general and move to file suit in federal court.
02/21/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 752XX	Web
I have called the company several times in an attempt to speak with someone. I am always transferred over to the same representative. I had to request an itemized summary of the charges multiple times before she complied. After receiving a copy of the itemized charges I called back to speak with someone about the discrepancies. I explained to her that the charges does not comply with state rental and housing laws for the state of TX and she began yelling at me and pulled my credit report without my authorization and said " you just do n't like paying your bills ; you do n't pay ( creditor ) or ( another creditor ) ''. I then asked her if she pulled my credit report without my consent and she laughed at me and hung up. I called back and asked the first agent that answered if I could speak with a supervisor only to be transferred back to the insulting agent. This company is charging me for, both, a reletting fee and acceleration of rent ; which is illegal by law. Housing laws prevent collecting payment of rent twice in the same month ; charging me an acceleration of rent AND reletting fees does just that. I am being billed {$850.00} for reletting fees to cover the loss the property incurs while the unit is unoccupied however, I have also been billed {$8600.00} for accelerated rent for the time period XXXX XXXX ( the day I was evicted through XXXX XXXX ( what would have been the last day of my contract ) .I have expressed to the agency that I know, by law, the property has to mitigate damages and can not charge me for the rent of an unit someone else was occupying and paying rent for. I have asked for them to tell me when the next occupant moved into the unit and have yet to receive the information. I have only been met with insults, placed on hold for extended and unreasonable periods of time, yelled at, treated as though I was subhuman, and completely neglected. Being unable to resolve this matter, despite the many calls I have placed to this company, has negatively impacted my life and finances. I have had to pay more for deposits at other complexes, my credit score has this blemish, I have been turned away from a local program that would aid me in obtaining a grant for the purchase of a home, and had to pay higher interest rates. For all of the previously listed reasons I have moved towards filing a lawsuit against this company for 1. ) Pulling my credit report without permission which is a violation of the Fair Credit Reporting Act Section 604 ( A ) ( 3 ) 2. ) Failing to validate the debt yet continuing to purse the collection of the debt which is a violation of the FCRA 809 ( b ) 3. ) Failing to validate my debt and continuing to report it to the credit bureaus which is also a violation of the FCRA under the same 809 ( b ) clause and 4. ) The abusive language used when I called a violation that I am protected against under the FDCPA Section 806.
10/12/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
I first saw an address on my credit report that I did not recognize as well as XXXX XXXX XXXX whom I had no business with ). I contacted this property and was advised there was a broken lease and an amount due. I advised them of not having any knowledge of this, someone using my identity and I was dismissed and advised me they could not give me any info even though they had ALL of my info. I had over XXXX inquiries on my credit reports, had accounts attempted to be opened in my name and addresses here in Texas and California that I was I had lived at XXXX Park XXXX XXXX XXXX XXXX XXXX Tx for several years even at the time this lease was done and broken. I filed a police report and provided this info to XXXX Properties via email XXXX/XXXX/XXXX to XXXX XXXX of National Credit Audit Corporation, XXXX XXXX and XXXX XXXX of XXXX Properties. I have also filed complaints with several government agencies. I have XXXX XXXX and this is upsetting me. I also have fraud alerts on all of my credit reports. I applied for another apartment and was advised to contact Resident Verify where I was advised that XXXX XXXX has a Civil Judgment against me on XXXX, that I WAS NEVER SERVED ON AND THAT THEIR info was removed from XXXX and Transunion after the police report ( that names XXXX XXXX XXXX was provided. Neither of these companies has or had ANY OF MY CONTACT INFO, my address, my email address, etc and also I HAVE NEVER BEEN TO XXXX PROPERTIES AND HAVE NEVER SIGNED A LEASE OR AM AWARE OR ANYONE WHO HAS. There were other addresses on my credit report XXXX places in XXXX and other XXXX XXXX that were removed by XXXX and XXXX. This has been ongoing and XXXX XXXX filed a Civil Judgement on me and could have NEVER served ME and they did n't have the correct email when I spoke with them. So who did they serve? Who received the info? Why did they tell me they would handle this and then file an eviction om ME after I provided info that supports me being a victim of Identity Theft.All of the verifiable info supporting my truths have been disregarded and I am willing to take all legal actions against these companies and am in the process of doing so. I would NEVER have known this had I NOT applied to another apartment whom I have supplied the emails I have sent to XXXX Properties and XXXX, phone calls to the companies, Police Report, and they were advised by Rent Verifiers of the XXXX XXXX on my credit reports. This is ridiculous. I have lived in XXXX Texas for 12 years since XXXX and XXXX XXXX La from XXXX. My brother is a retired XXXX Police XXXX and has been here in since XXXX. I have tried endlessly to get this resolved before these companies filed a Judgement against ME, someone whom never received NOTICE of this until I pulled MY credit reports through Annual Credit Report, and the judgement from the apartment that I am attempting to lease.
08/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NY 106XX	Web
I have submitted several online disputes through XXXX in question of the validity of a collection furnished by National Credit Audit that states that I owe a debt of XXXX to XXXX XXXX XXXX XXXX yet have received unfair resolve. The information that exists on my XXXX credit report is errored. The date Opened reflects XXXX, Status Update also reflects XXXX XXXX, however the history legend/payment summary which is shown in grid format and reflected by month indicates that the collection began in XX/XX/XXXX. In addition this collection agency is in violation of severeal regulations set forth by the Consumer Financial Protection Bureau. The violations are as follows : 1. Section 1006.34/ Notice for validation of Debt as it's one and only communication to me was sent by e- mail dated XXXX XXXX which is far after the date furnished by the collection agency reflected in my credit report. The agency also failed to include amt of debt., info about debt, itemization date, and a clear concise account stating to whom the debt is owed as required in debt collection communications. ( B ) Does not disclose the name of the collection agency that the collection specialist recorded in the email represents.THESE THINGS MADE THE E-MAIL COMMUNICATION QUESTIONABLE AS TO IT'S VALIDITY AND ALSO CREATED DOUBT THAT THIS AGENCY WAS PERMITTED TO COLLECT THE DEBT AT THAT TIME. ( DATE REPORT WAS ACTUALLY REPORTED TO CREDIT BUREAUS DIFFERS FROM THE TIMEFRAME OF THE INITIAL NOTIFICATION SENT BY E-MAIL THAT NOTIFIES THAT THE COLLECTION " WILL '' BE REPORTED TO CREDIT BUREAUS ) 2. Section 1006.6/Communications in connection with debt collection ( 4 ) i ( b ), and ( c ) 1-5, Dand E..No notice sent to clearly and conspicuously disclose transfer of debt to debt collector. FCRA requires financial Institutions that report debt to notify customers of debts according within the time frame allowable under FCRA regulations. There was no recordable or proveable period of time that existed before the collections process began as it had already been reported and was furnished to the credit bureaus before initial contact with me as the consumer either by the creditor or by the alleged third party collection agency ( NCAC ) .These are violations that have caused my family hardship as it has been the direct cause of rejected rental applications which does allow me UNDER SECTION 392/392.001 SUBCHAPTER C TO PURSUE CLAIMS AGAINST THE BONDS PROVIDED BY EACH AGENCY TO COVER DAMAGES INCURRED ... ..FOR THESE REASONS BUT NOT LIMITED TO THOSE REFLECTED HEREIN IN ACCORDANCE WITH MY RIGHTS AND PROTECTIONS AS A CONSUMER UNDER CFPB AS WELL AS FCRA I AM REQUESTING THAT THIS DEBT BE VERIFIED AND VALIDATED, WITHIN THE TIME ALLOWABLE BY REGULATION, AND THAT ALL COLLECTION EFFORTS CEASE DURING THAT PERIOD. IN ADDITION I EXPECT REMOVAL IF NOT VERIFIED AND OR ANSWERED.
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	PA 17109	Web
COMPANY INFORMATION : NATIONAL CREDIT AUDIT CORPORATIONXXXX XXXX XXXX INVOLVEMENT : Debt Collector ACCOUNT NUMBER : XXXX My latest credit report shows the company on my credit report NATIONAL CREDIT AUDIT CORPORATIONXXXX XXXX the debt collector . 1. I ask that the follow debt reporting be removed immediately from my credit file for false statement/ representation ( trying to collect wrong amount, attempts to collect debt not owed ( Over charging, falsely reporting negligence of property, Items or issues not repaired or replaced before move-in, submitted maintenance request while occupied, Reference of pet order by tenant that never owning a pet ) on my XXXX XXXX credit report XXXX Evicted from my XXXX XXXX XXXX even after notifying management of my recorded medical/disability. I had a payment issue with my employer and insurance payout in regards to XXXX status. The management team refused to negotiate rental of housing to satisfy past due balance. I offered proof my medical records yet the management team refused any paper work regard paper work regarding my claim. 2. Fair Housing laws make it illegal to discriminate against anyone based on a protected class in any of the following ways : Refusing to rent or sell housing Refusing to negotiate for the sale or rental of housing Making housing unavailable or denying that housing is available Setting different terms, conditions, or privileges for the sale or rental of housing, a mortgage loan, homeowners or renters insurance, or any other housing transaction Advertising in a discriminatory way Threatening or intimidating anyone exercising a fair housing right or assisting anyone else in exercising their fair housing rights Types of Housing Covered by the Fair Housing Act The Fair Housing Act and the Pennsylvania Human Relations Act cover all types of housing, including : Apartments Mobile Home Parks Condominiums Single Family Homes Public Housing Nursing Homes Dormitories Group Homes for People with Disabilities Fair Housing Laws Title VIIXXXX of the Civil Rights Act of 1968, as amended, is known as The Fair Housing Act. The Fair Housing Act is the federal law that makes it illegal to discriminate in any housing related transaction based on seven protected classes. Race Color National Origin Religion Sex Disability Familial Status ( or the presence of minor children in a household, pregnant women, or anyone in the process of securing legal custody of a child ) The Pennsylvania Human Relations Act is the state law protecting consumers against housing discrimination and adds two additional protected classes. Age ( over 40 ) Users, handlers, or trainers of assistance animals for persons with disabilities A Contract or Rental Agreement Does Not Deem an Apartment Complex Exempt from The Fair Housing Act.
05/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75243	Web
A full walk through was completed when I moved out of this apartment with the leasing staff present. No damages were mentioned, charged, or recorded. XXXX XXXX XXXX nor the new owner of this alleged debt has not submitted photos of alleged damages, a copy of the maintenance requests I reported months PRIOR to my move out date, or the rental inspection checklist that was completed when I moved out as I have been requesting for years. The apartment complex was also provided my forwarding address. National Credit Audit did not send notice of any alleged debt to that address nor did XXXX XXXX Apartments. An official letter from the apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed. As a tenant, I am not responsible for repairs to old appliances because of normal wear and tear according to my lease agreement. The only evidence submitted was a list of all itemized expenses in TOTAL that the apartment spent to prepare my unit for a new lessee. That itemized list that was typed up on a word documents. It was not in the leasing companys letterhead. Nor was it dated or signed. The NAME of the leasing agent who TYPED the document wasnt even printed or typed! A sheet of paper without a NAME, DATE, SIGNATURE, OR COMPANY LETTERHEAD sufficed for the credit burueas to VERIFY this debt? The evidence submitted I believe was fradulent. This apartment complex was in the process of renovating ALL of its landscape and rental units. I know this for a fact because I still visited those apatments after I moved out since I had a relative and a friend that lived there! The landscape, leasing office, signs, gym, and every unit was upgraded! Those are typical business expenses. Charges for new carpet and appliances that were needed for complex wide upgrades were unfairly and incorrectly listed on my credit report. My apartment carpet was also undamaged and stain free. I am requesting this company provide the following evidence : Photos of alleged damages or a copy of an awarded court judgement. Copy of the maintenance requests I reported for 2 old appliances MONTHS PRIOR to my move out date. DATED rental inspection checklist that was completed when I moved out that lists all damages. Notice of any alleged debt from National Credit Audit to the forwarding address I provided XXXX XXXX. I can not dispute or pay a debt I am unaware of! A letter from my apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed. An official document would have a letterhead, date, and name. Or delete this from all 3 credit bureaus! I have sent them several letters requesting them to verify this debt over the past 6 months with no response to date!
05/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL XXXXX	Web
On XX/XX/2015, my husband and I received a Notice To Impose Claim in the amount XXXX and took the deposit of XXXX for a final water bill of {$100.00}, carpet replacement XXXX, XXXX trash removal of XXXX couches left outside of apartment, XXXX steam clean title, XXXX Rent credit for a balance due of {$1300.00}. We were told in the notice if objected with the balance to write them in writing within XXXX days. I responded to their charges informing them in writing that we did not agree with certain charges such as the removal of the sofa, steam cleaning the tile and replacing the carpet and to use the surety bond to pay for the water bill which was explained to me as my deposit they can claim against if need be after moving. We never received there response and instead received a letter to pay the amount of XXXX and a separate debt collection of XXXX dollars for the surety bond. I called and spoke to a rude and non sympathetic woman by the name of XXXX XXXX in regards of this matter and explained to her the same information back in XXXX in regards to the amount of XXXX. She refused to hear what the issue was and stated we should have scheduled a walk through upon moving out the apartment. I explained to the woman that per the lease we were entitled to the walk through but was denied a walk through the day my husband came into the office to report someone had placed couches outside our building and did not want to be accused they belonged to us. I called this morning about the debt in the amount of XXXX and the same debt collector in regards to the XXXX because it has been reported to my credit report without any consideration of what I disputed. I do n't believe its fair to make someone pay for something they are not responsible for and without any evidence showing that we were responsible to replace their carpet or pay for removing items that did not belong to us especially without evidence. I lived in that community over 4 years and they have never provided a walk through for any tenant who lives there before moving out. I feel like they have taken advantage of us and now is out to ruin my credit. XXXX XXXX even went as far as saying to me this morning to say if you are not calling NCAC to pay this debt then there is no further discussion, this debt will just remain on your credit report for 7 years. I ffeel like the property management company XXXX XXXX managment did not have adequate information to or legally charge us with a debt without verification and validation as they are suppose to provide. It is unfair and unjust for any company to abuse their power to gain money by reporting debt that has not been legitimately verified. I 'm sure we are not the only ones that have been treated this way.
12/19/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76179	Web	Servicemember
In XXXX we lived in XXXX Apartments. My husband XXXX received military orders to move to a unit in XXXX. Per the military clause in our lease agreement we needed to provide the orders to the leasing office and give a 30 day move out this ensures the lease would be terminated properly without additional money being due ( i.e re-letting fee ). I followed the exact process and my move out was approved. During my final month in the apartment as I was packing I received a knock at the door it was the Sheriff bringing eviction paperwork. I informed the sheriff I was moving due to a PCS ( permanent change of station ) ordered by the military and he instructed me to go file an answer with the courthouse. I did just that. I brought the eviction paperwork from the sheriff, our orders, & the letter from the apartments approving the move out and the case was dismissed and we were allowed to continue our move out as scheduled without harassment. At the end of the month my family left the apartment turned in our keys and continued on to XXXX. XXXX XXXX 7 months from the courts dismissal the apartments were used as a reference on an application for a new home we were interested in renting, we were subsequently denied because a report was sent to the property management company saying we broke our lease. Needless to say I contacted the apartment and was told by XXXX XXXX that she was referring us to a collection agency and would not send us any documentation on how or why we owed money. Since that time we have been trying without resolution to get answers and get this debt removed. This debt has destroyed both mine and my husbands credit. I believe due to my personal history with XXXX XXXX that she decided to furnish false documents to hinder us from being able to rent anywhere in the state of XXXX. I believe this to be the product of malicious intent because again we followed the law, the case was dismissed and nothing was ever reported until after we needed to use them as a reference. To date, we have been denied credit, apartments and a mortgage loan due to this action and on top of that our score has plummeted several points. I will also add the eviction that she attempted to do she knowingly lied on court documents stating that we were not affiliated at all with the military. This past weekend I stopped by the apartments and was able to get a copy of our " charges '' and found that the information included damages, furniture removal, eviction fees and reletting fees. This could n't be further from the truth. My court documents substantiate the false claims.This complex specifically XXXX XXXX is doing this for her own vindictive reasons and she should be held accountable.
06/12/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32277	Web
I used to live at the XXXX XXXX XXXX in XXXX, FL. I was laid off from my position and on unemployment. I tried to work out a payment arrangement with the property management team. However, this was not possible I even tried submitted a payment for the rent for the month of XX/XX/XXXX but since it was late and eviction had began it was given back in XX/XX/XXXX and I left the property. I never received an itemized bill of debt remaining all I was told was I owed the balance of rent which then was XXXX because they kept my security deposit which was greater than the balance of rent. Later I learn there were two filings on my credit reports one from Residential Data LLC and one from National Credit Audit. both claiming I owe them {$3600.00} for the same property. I found out these are the same company. XXXX XXXX has been assisting me to get this off of my credit. National Credit Audit was removed from XXXX and so was Residential Data LLC. When looking up First Advantage NCAC # XXXX or National Credit Audit is states it is a creditor I didn't borrow money from them. I have no idea what the account number is this is what is on the credit report. I never received any paperwork outlining the balance due. Years ago I received a blue paper with an amount due of {$3600.00} I didn't even know what the bill was for and when I called they said you owe this money. In addition XXXX removed the Residential Data LLC claim then National Credit Audit now known as First Advantage NCAC came on and every attempt to have it removed has failed. XXXX keeps stating the company says the record is accurate. I was living in a hotel in XX/XX/XXXX not the XXXX XXXX XXXX. I have no idea how this company came to the amount they are asking for. In addition, XXXX is not helping. Last year I tried to file but it was impossible to up load documents to the website. I just tried again. I found another discrepancy on my credit when disputing it with XXXX I was confronted with the same information even when I pointed out it was wrong it didn't matter. I had to go to XXXX XXXX XXXX and show them the item and yes they apologized and it was removed. I can't got to this fake company because they just say " we are right '' without any proof. This is frustrating. Since XXXX I have worked hard I was able to rent with the same property owner from XX/XX/XXXX until XX/XX/XXXX often paying my rent before it was due. But that does not matter because this huge unjustified claim has been filed against me. In addition the date is wrong thus it will not simply fall off my credit in XXXX but XXXX on my credit unit XXXX of XXXX. I thought that if the information was wrong it had to be removed.
12/19/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 750XX	Web
On XX/XX/2023, I contacted National Credit Audit Corporation regarding an alleged debt they claimed I owed. Due to being a victim of identity theft, I promptly requested a debt validation letter to verify the legitimacy of the purported debt. Regrettably, rather than cooperating with this request, their representatives responded with hostility, aggression, and a refusal to provide the necessary documentation. Throughout my discussions with their representatives, specifically XXXX and XXXX, I endured verbal abuse, raised voices, and intimidation. Their behavior was not only unprofessional but also deeply distressing. Despite attempting to communicate calmly and assert my rights under the FDCPA, I was met with further hostility, they raised their voices, yelled at me, and failed to address my legitimate concerns, and the calls were abruptly terminated on numerous occasions. Moreover, despite subsequent attempts to contact other representatives at National Credit Audit Corporation for assistance or clarification, I was consistently directed back to the individuals who had previously mistreated me. This created an environment of discomfort and apprehension, making it seemingly impossible to resolve this matter without facing further mistreatment. Furthermore, their insinuation that I was dishonest about the debt not belonging to me was profoundly distressing. As an identity theft victim, I am seeking resolution and clarification regarding the debts in question. Their refusal to cooperate, coupled with their disrespectful and abusive conduct, has compounded the distress caused by the initial identity theft incident. I firmly believe that National Credit Audit Corporation 's actions not only violate the FDCPA but also disregard fundamental ethical principles in their interactions with consumers. I respectfully request that the CFPB investigates this matter thoroughly and takes appropriate action to ensure that consumers are treated fairly and respectfully in accordance with the law. I kindly ask the CFPB to intervene and initiate an inquiry into the practices of National Credit Audit Corporation. I am also seeking your assistance in resolving this matter and obtaining the necessary validation of the debt as per my rights under the FDCPA and disputing it. Thank you for your immediate attention to this matter. I trust that the CFPB will take the necessary steps to address this issue and safeguard consumers from the unacceptable behavior exhibited by National Credit Audit Corporation. Below is the debt collector company. National Credit Audit Corporation XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
08/29/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19608	Web
This debt collection company NATIONAL CREDIT AUDIT CO ( " NCAC '' ) reported to the three major of credit bureaus that me and my husband XXXX XXXX owe their customer {$7600.00}. That is inaccurate and made my credit score got damage very much. Below are some information about how this collection company violated the law : - I dont own the creditor anything regarding to the fact that I signed up for the first year leasing and renewed for the second year. I moved out and the end of the renewed lease with a proper notice as they requested, I did not request and didnt agreed on any renewal for the third year. And of course, the last rent was paid fully, on time and accurate ( see in the report that I extracted from their database ) - I did NOT receive any notice from Creditor ( XXXX XXXX ) about my debt. It was a surprise and shock when the debt collector contacts me about the debt that I never own. Therefore, the creditor also violated the law by not sending the written notice as debt validation letter within five days of the collectors initial attempt to contact me as the consumer. - I disputed the alleged debt and requested the debt collector company to provide the proof and validation. The collector company did not provide the validation proof. So the alleged debt is invalid too. Please see the timeline and details that I recap below : * XX/XX/2022, we got an email from XXXX XXXX, said he/she is the debt collector and asked us to pay {$7600.00}. At first, we thought that was a scam, because in the email that they sent, we don't know where the debt came from, it was just saying that XXXX XXXX, the leasing office that after 01 year since we moved out, weve never heard anything from XXXX XXXX and we owe them anything. * XX/XX/2022 : we replied by sending an email to XXXX XXXX, the debt collector to dispute the alleged debt and requested the debt collector company to provide the proof and validation, and I also provided them my mailing address ( see attached email for details ) and we havent never ever heard anything from this collector, not even a reply email or any letter in mailbox. * XX/XX/2022 : the credit score report showed that debt and the score is damaged. * XX/XX/2022 : I received the FIRST and the ONLY one letter from NATIONAL CREDIT AUDIT CO. In the letter, the prepare date was XX/XX/2022, but in the US Postage envelop is XX/XX/2022. The letter said that I have been offered a variety of payment but I didnt take advantage of it. That is not true, I did not receive any letter from them before this letter.
08/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	DE 19720	Web
Today is XX/XX/2021 and I am responding to communication from National Credit Auditors Per response from this company, they stated I have never attempted to contact them which is indeed a lie. I have attempted to contact them directly, XXXX as well. im well aware of my rights and this agency continues to violate them. Please provide me with proof of this letter that was sent that XXXX NEVER received. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor XXXX XXXX. I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement which Anyone can furnish billing statements. Also I have no knowledge of any of the parties listed on that lease.Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. I am proceeding with legal action as prescribed by law against National Credit Auditors Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely
05/06/2019	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 330XX	Web	Older American
This Event was one of the Most Challenging experience in my life regarding XXXX XXXX XXXX, Burglary and False Reporting in order to get more money after they allowed their Maintenance men to enter my home while I was at work and the Babysitter step out with my 2 year old son at the time to grab valuable items along with changing my locks because the Judge from My domestic violence case Granted to permission that I was allowed to break my lease due to safety reason that happened prior. On XX/XX/XXXX There was a domestic assault that on the complex which the XXXX XXXX was notified that my safety was at risk. I reach out to the Apartment Rental Office XXXX XXXX XXXX to inform them of the situation because the Police was involved they continue to ignore my communication regarding my safety and using my security deposit for relocation. I got grant from the State showing I was approved for relocation money documents on file showing this event. With no warning or 30 day notice on XX/XX/XXXX I got a call from my frantic Babysitter XXXX XXXX that she was locked out and cant get in. I immediately left my job upon arrival I called a locks smith got into my place we immediately notice items was stolen before my items was even remove from the apartment. My security deposit was in the amount of XXXX which I uploaded they kept. To insult to injury after being XXXX from previous event that took place on XX/XX/XXXX I had to deal with getting robbed by the apartment complex maintenance men along with them covering up their actions in keeping my deposit, ruining my credit, stole all of my electronics has I provided in my documents. I have submitted police reports and they continue to try to hide the corruption. XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Fl, XXXX phone # XXXX. This Company Goes by several other names such as XXXX XXXX. I have sent several emails to them and they just ignore they fact that their lying and I don't owe any money to them. Not only did they ignored my plea they stole many valuable items from home in the process in trying to destroy my credit .When I contacted the collection agency they sent me letter Stating the Creditor stated I owe money because of Soda Damages? Just so they can accumulate a fake debt to cover up what they have done. The apartment had no damages at all because I was not in there for that long. Please look at the dates on everything they send because it doesn't add up. They know I'm a struggling mother and they want to take advantage of that during a time I was assaulted.
02/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32303	Web
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party to the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18. Invasion of Individual and Family Privacy
05/18/2022	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	FL 32068	Web
Collection Agency : Residential DATA LLC ( XXXX XXXX XXXX ) FIRST ADVANTAGE/NCAC. I XXXX XXXX want the Notation on all credit files and reports of false charges removed, for the following reason, I emailed the landlord multiple notices to fix property and to remove pests, rodents and roaches and the lease they are fraudulently over charging me {$6000.00} for the lease. Paragraph Provision 36 of Lease ( XXXX XXXX ( XXXX XXXX ) XXXX I can send an email notification and they can communicate with me via email. Offices were closed due to covid issues with the apartment state standards. Lease notifications multiple email notifications of a 30 day notice were sent to the landlord, physical office and also via email, and maintenance portal from XXXX until XX/XX/2020. Multiple 30 day email notices to vacant 6 months before vacating property during covid were sent to notify the landlord. I emailed the landlord multiple notices to fix property and to remove pests, rodents and roaches that were never resolved and the lease they are fraudulently overcharging me {$6000.00} for the lease. XXXX XXXX XXXX XXXX and Safety due to Roaches and Rodents they had 14 days to fix and did not fix the issue that started in XX/XX/2020 - XX/XX/2020. I am able to break the lease with no extra charges because they failed to fix the rodent and pest problem. Virginia State Tenant / LAW was violated by landlord 55.1-1234. Noncompliance by landlord. Except as provided in this chapter, if there is a material noncompliance by the landlord with the rental agreement or a noncompliance with any provision of this chapter, materially affecting health and safety, the tenant may serve a written notice on the landlord specifying the acts and omissions constituting the breach and stating that the rental agreement will terminate upon a date not less than 30 days after receipt of the notice if such breach is not remedied in 21 days. If the landlord commits a breach that is not remediable, the tenant may serve a written notice on the landlord specifying the acts and omissions constituting the breach and stating that the rental agreement will terminate upon a date not less than 30 days after receipt of the notice. This has affected my ability to rent, or mortgage and credit score See lease PDF See Virginia State landlord law PDF View email notifications. PDF Contacted XXXX credit report ( was not removed ) It was removed from XXXX Credit Report
03/10/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	VA 23602	Web
It all started in XXXX A judgement from an apartment complex. The collections representatives are very used, unprofessional verbally and mentally abusive. I have been trying to payoff or settle the debt for XXXX years. Every time I speak with the representative she start arguing and yelling at me or arguing with the people in my background who have nothing to do with our conversations. Their calls are monitored and recorded. If you pull every call you can hear how rude they are. Over the past 4 years they never attempted to verify my information before speaking about the amount I owe. On XX/XX/XXXX I called the collection agency with someone I call my sister. I gave them authorization to speak with her. She ask them for a settlement iao {$800.00}. The representatives said she doesnt want to give me a settlement because of past conversations, where they offered me settlements, and I never excepted their offer. I advise the representative. I never received a settlement offer in writing and I havent received anything in from them writing pertaining to this debt. My sister asked to speak with a manager since the representative stated she didnt want to give us a settlement. The representative started playing on the phone ( laughing, giggling ) while putting us on hold 3 times. When the manager came on the line and stated that the representative never mentioned a settlement offer to her. The manager started yelling at my sister because she asked to speak to a supervisor above her, then the manager started screaming that she refuses to speak with my sister etc.. On XX/XX/XXXX I called to request a letter in writing with the companies letterhead and a physical address so I can mail a check. Representative said she cant provide me a letter with the companys name on it or the physical mailing address, she can only send an itemized bill. I told the representative I am her consumer, and if shes attempting to collect a debt, I need to see a letter in writing. The representative said, I am not her consumer. XXXX XXXX is her consumer ( Original Creditor ). I advised the representative that her companies website seems like a scam. The website states theyre charging you {$20.00} convenience fee and then it asked for you all your personal information without telling you what you owe or what youre paying for. I dont understand how they are even licensed to collect any debts
08/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 220XX	Web
On XX/XX/2019 the follow message was sent to the apartment complex : Hello xxx, After careful deliberation I would like to proceed with option number one of the buyout options. This email will serve as my 30 day WRITTEN notice that I will be vacating the premises on XX/XX/2019 and moving into my new residence. My decision to vacate and break this lease is as following : Repairs from XXXX are still not fixed such as : missing screen of window and main entrance door still bended in Pest problem is horrible, when pest control came it made the problem worse Roommates moved out and I can no longer afford the monthly rent on my own without being able to live life comfortably. And the property isnt well kept among other things. I will appear to court on XX/XX/XXXX as requested, but I have no intentions of continuing to occupy this apartment after the XXXX. This email should serve as my notice to vacate. If I need to provide a court ordered document please let me know ASAP, but please honor this as my 30-day notice. Lastly, please provide any forms that my guarantor and I need to sign and we will pay the {$1700.00} before we move as your previous email stated. Thank you and I look forward to hearing from you soon. Respectfully, XXXX On XX/XX/2019 this email was acknowledged by apartment complex and signed agreement and lease buyout forms. On XX/XX/2019 I appeared to court for unlawful detainer case. I submitted my lease buyout fee that equaled to a months rent and vacated on the date I said i will the judge dismissed the case as a non-suit. After following the complex terms, paying them and vacating willing all a part of our agreement they still sold an unverified debt to National XXXX audit collectors on XX/XX/2019. I disputed this with all 3 credit bureaus and only 1 out of 3 removed it from my credit. National credit audit corporation refused to remove it off of my other two reports. The original creditor did not verify this collection they sold it to national credit audit and there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( National Credit Audit Corp ) has violated my rights as a consumer and I am requesting legal action to remove this account AS SOON AS POSSIBLE
04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22701	Web	Servicemember
I have dispute multiple times with over the course of a few years about credit errors on my credit report.. I have reached out to the companies that have been reporting and I have notified the credit bureaus that the errors exist and every time I dispute them the end result is that it meets requirements. I have notified XXXX XXXX that the wrong debt collector is reporting on a collection account. I have tried to dispute it and twice it has come back that meets requirements. XXXX XXXX Is reporting on a XXXX account that has been bought by another agency and this has been disputed and and the credit bureaus will not remove it. I have reported that an apartment community its charging me incorrect balances over the past four years on both XXXX and XXXX. At one point I had double entries for the same collection account. And they will no longer allow me to dispute it online which I dont think its fair when it is in accurate. I have a payment agreement with XXXX XXXX which is showing the incorrect balance based on the payment agreement is still showing my total balance and its not showing my current payment history or balance with them. XXXX XXXX which is been reported by XXXX XXXX XXXX has been informed that XXXX XXXX has fraudulently attempted to collect A substantial amount outside of what i owe to them and I cant get this corrected.. I had a lease fraudulently signed in my name and have been charged a termination fee because I was not living there during that time and cant get that off of my credit report.. I have been denied a job with the Department of Justice, denied a security clearance multiple times and most recently denied housing because of these errors. For someone whos trying to correct their finances I dont think that its fair that I can not reach out to these individual entities and get this corrected myself without having to pay someone they are taking advantage of the consumers ignorance towards the fair credit act and reporting.. I also do not believe that if an entity doesnt report my payment history at all or even good payment history ( ex : cable, cell phones, colleges, utility companies, insurance, rental payments, etc etc ) and when it is good they should not be allowed to report when consumer has financial difficulty and is unable to pay. It is a predatory practice and it is not fair to the consumer.
12/14/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 774XX	Web
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. PRIVACY ACT 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
03/28/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28443	Web	Servicemember
I XXXX college in XX/XX/XXXX and left XXXX, XXXX to attend XXXX XXXX XXXX training in XXXX, XXXX. Five years later in XX/XX/XXXX, I received a letter from the National Credit Audit Corporation ( NCAC ) saying that I owed {$270.00} for damage that had occurred to the apartment that I was living in while in college. I took the letter to my legal department because it seemed weird that an agency would contact me almost five years later about a claim that had materialized out of thin air. My legal department advised me that it was probably a debt collector scam that they unfortunately see frequently with military members due to the frequent moves inherent with military life. Legal told me to respond asking for more information about the debt assuming that it would fall by the wayside. NCAC responded with an itemized list of maintenance charges ( from XXXX XXXX properties, the apartment complex that I had previously lived in ) that I had never seen before. The list was dated a full month before I had supposedly vacated the apartment and yet I was only seeing it for the XXXX time five years later. When I had vacated the apartment in XX/XX/XXXX, it had been under good standing with the rental company ; I understood that I would not be getting the full amount of my initial deposit back because it was standard practice to repaint the walls and have the carpets cleaned using the initial deposit. I again consulted my legal department who, after some research found that XXXX XXXX properties and therefore NCAC, were in violation of Title VI Chapter 83 section 83.49 paragraph 3 ( A ) of the XXXX Statutes which states " the landlord shall have 30 days to give the tenant written notice by certified mail to the tenant 's last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim.If the landlord fails to give the required notice within the 30-day period, he or she forfeits the right to impose a claim upon the security deposit. '' XXXX XXXX properties failed to notify me within 30 days, much less via certified mail to my last known address, which was provided, and so in my opinion, the debt for damages ( that seem to have materialized when I was not around to contest them ) is not a valid claim.
04/19/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20008	Web
Hello my name is XXXX XXXX. I was contacted by XXXX XXXX from NCAC Debt Collections and was told that she acquired a debt from my previous landlord, XXXX management ( Account # XXXX ). XXXX XXXX insisted that I owed the debt because I did not give XXXX 30 day notice before I left my former apartment. I explained that my lease did not include an notice requirement unless you became a " holdover tenant. '' Section XXXX applies to " XXXX tenancy. '' A person becomes a hold over tenant once that remain in possession of the unit beyond the expiration of their lease. I vacated the unit and gave notice to the landlord in the last month of my lease, prior to the expiration. Therefore, I was not a holdover tenant and this section does not apply to me. XXXX XXXX sent me a " notice intention to vacate, '' that was purportedly signed by me, which I never signed. I repeatedly explained to XXXX XXXX that I was not required to give notice under my lease, as long as I vacated the unit before the expiration of my lease. XXXX XXXX never showed me a provision in the lease that stated that I was required to give 30 day notice other than the provision that governs hold over tenants. Then she told me : Try again, you 're trying very hard to find a way out and I assure you, there is none. Your evidence is attached ( meaning the notice of intention to vacate with my falsified signature ). This is your signed and dated notice to vacate. I will schedule the account for credit reporting on you and XXXX XXXX if this is not going to be resolved today. I refuse to be held liable for a debt that I am not responsible for. In speaking with XXXX XXXX, I can see that she is only interested in having me pay money, and not interested in finding out the validity of the debt. I am deeply saddened by this process, especially because XXXX XXXX choose to report this to credit reporting agency for my cosigner, XXXX XXXX, which is confusing because they are claiming that this debt occurred outside the parameters of the lease agreement that my cosigner was a party to. I really need some assistance resolving this issue and removing this item from my credit report, and my cosigner 's ( XXXX XXXX 's ) credit report.
09/26/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 20774	Web
XXXX XXXX XXXX used to be my apartment not until state of emergency commenced due to high number of XXXX. I wasnt working at the time which the state offered cares Acts which excluded landlords from evicting tenants during the outbreak of virus. I wasnt working, XXXX XXXX XXXX and XXXX focused and was rushed to the hospital, later on was XXXX and in XXXX for a while before having XXXX XXXX due to XXXX, anxiety. Under XXXX accommodations, I requested debt validation to make sure I wasnt overcharged but it got to my attention. I moved out after I sent a email to management that I will be moving out, all rental agreement such as one month notice before vacate wasnt enforced due to state of emergency. I ended up not picking up my properties which made them confiscate my items and now Im being charged for what I didnt use.Im requesting XXXX accommodation as Im unable to make this payment due to underlying illness plus under 15 U.S. Code 1681i fair accurate reporting should be provided but I dont think Im having fair reporting. I called and tried to negotiate but the lady was so rude and was promptly offered XXXX off ( {$3300.00} ) and must be paid in one sitting which even makes it more difficult to work with but then sponsor whom co-signed already made payment close to $ XXXX as I wasnt able to assist with the payment due to my underlying illness. Im requesting for review of account to show proof of state of emergency, email sent to management of hardship. This isnt proofing XXXX of cost breakdown including one paid by my sponsor XXXX XXXX. Under the lease agreement it state every payment owned must be paid but also have to remember the care acts law was enforced and a lot of lease agreement was in absolute pending.attachment shows date very close to move out date from XXXX XXXX apartment. Errors detected 1 ) Not providing full debt validation including one paid by XXXX XXXX 2 ) late fee, charges, rental agreement binding agreement was noid due to state of emergency 3 ) was charged one full month + miscellaneous 4 ) agreement provides XXXX accommodation for health grounds on number 20 5 ) insurance charges multiple times
10/28/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 436XX	Web
I received a final bill from XXXX XXXX that was not correct. I disputed the charges and after almost 2 weeks of email correspondences with their collections manager, I finally received notification from their accounting department stating that they found their error and they would be sending a refund check on XXXX/XXXX/15. Included in this email was a notice from the accountant to the collection manager to remove my name from their collection agency. On Friday, XXXX XXXX I received a phone call from the National Credit Audit Corporation threatening to report my disputed balance if full payment was n't received by XXXX/XXXX/15. I tried to explain the situation and that I had an email confirming that this had been resolved to which he responded that unless he received something directly from XXXX XXXX he would pursue collections. XXXX properties collections department, who I was directly reporting to, is closed on Fridays so I emailed them explaining the situation and then have tried to call them repeatedly on Monday XXXX XXXX XXXX and Tuesday ( XXXX ) and can not get a response even after leaving multiple messages to multiple staff. When I could n't get a hold of XXXX XXXX, I contacted the collection agency to update them on my actions and at that time the representative working my account implied that I was being untruthful and again threatened to pursue collection if I did n't pay the account balance immediately. I feel that this has been turned over to collection in error. My final bill from XXXX XXXX that I was originally disputing was n't due until XXXX/XXXX/15 so even if I did n't have an email from them telling me that they found their error, I still would n't be delinquent to the point of being turned over for collection and having it reported to the credit bureau. As of this date, I have not received any mail correspondence from the collection agency which I feel does n't qualify as proper notification of a debt due. If XXXX XXXX would respond to my emails and numerous phone messages I feel this would be resolved quickly and easily by a call to the collection agency informing them that I have a zero balance due.
03/16/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 080XX	Web
I called XXXX off and on for several years since ( XXXX ), and would never get anywhere but rude response from XXXX XXXX. I continued and tried to dispute the inaccuracy debt they had on my account reporting since XX/XX/XXXX under two names there using. One name is XXXX XXXX XXXX, and the other XXXX. My question is why are they reporting under two different business, and reporting on my credit stating I owe XXXX dollars. They are reporting inaccurate information, and when I called on XX/XX/XXXX to tell her that there reporting inaccurate information, got smart and nasty with me and said I do owe, and who are the other people on the joint account and where are they. I explained to her I do not owe, and why are you asking me about other people on account that I have no clue on why it's on mine. She began to argue with me, over talk me, and then hanged up on me. I called back to speak with XXXX XXXX again, still arguing with me, telling me to pay the whole amount, and I told her no, and she hung up on me again. I called back on XX/XX/XXXX to speak with someone else because I couldn't take speaking with someone that rude, and they told me I couldn't because she's the one handling the account. So I didn't speak with her that day, and I called back on XX/XX/XXXX and tried to speak real nice and polite to let her know again that the account is showing up on my credit with inaccurate information. XXXX XXXX said I remember you calling before and this is your account and you must pay, yelling into the phone. I told her that she was rude, and she shouldn't speak to people in such tone for no reason. She then hung up on me again, I called back to speak to her manager on ... got his voice mail. His name is XXXX XXXX. He called back on XX/XX/XXXX left a message because I missed his call. The very next day I called him back on XX/XX/XXXX and haven't heard from him since. Its ridiculous how they handle people at that company. it seems as though XXXX XXXX is the only person working every account and you can't talk to anyone else to get anything resolved. She's very rude, mean, disrespectful and out of control for no reason.
05/11/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
In XXXX I received a phone call from an unknown number that claimed to be from a debt collection agency trying to collect an unpaid debt, claiming that the last apartment complex I had lived in was trying to collect an outstanding bill. As I was driving at the time and had no idea what this debt was about ( this being the first I had heard of this ) I asked them to email me all the information in regards to this debt. During this call they made the threat that " unless I paid immediately my credit score would be ruined '' This phone call was made from the following number - XXXX Later that day I received the following email, that as can be seen had none of the required information on what the debt amount was, who it was from, or any information on my rights to contest the debt. There were XXXX attachments, however the first XXXX XXXX a .tif file ) would not load ; the second one was simply their company letter head. XXXX XXXX ( FADV- XXXX ) XXXX XXXX XXXX via XXXX Attachments XXXX XXXX to me NCAC is a debt collector.This a attempt to collect a debt any information that is obtained will be used for this purpose. XXXX XXXX Case Manager T. XXXX ext XXXX Fax XXXX XXXX XXXX XXXX www.FADV.com National Credit Audit Corporation The screening solutions business of XXXX has combined with First Advantage - Creating the Global Leader in Screening I have replied back to this email with the following : Hello XXXX , I am sorry but could you please resend the attachments as they do not open. Also as at this point you have not followed the Fair Debt Collection Practices Act and relevant Texas state laws I will be reporting this. Please also therefore consider this to be notice that, at this point in time, as both the law has not been followed and the required information has not been sent/received, I contest this debt in it 's entirety. Sincerely, XXXX I have also since contacted the local tenants adviso ry ( XXXX , XXXX County ) in regards to this claim and am now in discussion with them in an effort to sort out these charges.
08/26/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 786XX	Web
On XX/XX/XXXX, I attempted to break a lease with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I chose to break the lease due to Military Orders, with the clause that is included in the Lease that requires the landlord, by law, to terminate the lease at my discretion with military orders. The management team, specifically, Ms. XXXX XXXX, refused to take an official memorandum, from a military commander, that provided early notification as of XX/XX/XXXX, that lease termination would occur because a pending military deployment to a contingency operation. I was called to active duty on XXXX XX/XX/2019 for a 400 day deployment orders. Ms. XXXX claimed only the actual orders would suffice so on XXXX XX/XX/2019, we provided the copy of the official military orders to the office at XXXX XXXX. We were subsequently charged our entire security deposit, plus an additional {$840.00} and was sent to collection with a noted 18 % interest for late payments. We did not pay this because this is an erroneous charge. We consulted with the XXXX XXXX XXXX Assistance team and had a lawyers letter explaining this was a violation of the Servicemembers Civil Relief Act ( XXXX ), and further explained that Texas does not allow for reprisal by a landlord due to the breaking of the lease in this manner. The security deposit was taken and claimed that the apartment was dirty on moveout. This was also falsely claimed as we have pictures and statements from the two neighbors who helped us pack and clean the apartment prior to our departure. The XXXX management team refused to do a joint walk through inspection of the apartment prior to our departure or on arrival. Pictures of the apartment at move-in are also available. This adverse credit action in violation of Federal and State law effected my family from moving to another location from our current residence to be close to a medical facility since we have a child with a serve and life-threating medical condition and can not obtain a lease through a rental company regardless of income because of this adverse and erroneous credit action and attempted debt collection.
06/26/2018	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 080XX	Web
My husband & I rented an apartment at XXXX 's XXXX ( XXXX XXXX ) since XXXX. We were good tenants and regularly had maintenance repair things, kept the place nice, etc. In XX/XX/XXXX, my husband passed away suddenly from XXXX XXXX unexpectedly. I am permanently XXXX. I went into the office and spoke to XXXX XXXX a few times explaining I couldn't afford the rent anymore and would probably have to leave. I told her I had to see when everything settled. She was fine with that and told me that they needed 60-90 days notice if i left and said they would work with me due to the situation. In XXXX I sent an email stating I could no longer afford financially to stay. I also went back to speak with XXXX telling her my husbands employer had dropped me and my children from insurance and now i had to pay for all my medical, prescriptions, etc. So i had no way of affording the rent and that I would be leaving by the end of XXXX. As I had informed the office by the end of XXXX, I packed up, spent the weekend cleaning, painting with help and shampooing the carpets. Now since XXXX we had paid a deposit for a cat plus {$25.00} a month pet fee. All the walls were repainted with 2 coats of white paint. there was normal wear and tear in the apartment after 7 years, the carpet had never been replaced but regularly shampooed by me. There was a spot in the bedroom they claimed was from my cat, but it was actually from the maintenance man XXXX who when our air conditioner leaked, he drilled a hole in the unit causing the stain. counters get used, etc. But in the end of XXXX i get a note from XXXX XXXX stating they are keeping my security deposit, i owe damages, plus 2 months rent. I tell them I don't owe as i am XXXX and my income ( my spouse ) has died i can break the lease. they sent me to XXXX who tells me they are sending me right to the credit bureau and has done so making my credit go down and i don't feel this is right. I would like them to take this off my credit report immediately and i would like the so called debt eliminated and actually would like my security deposit refunded.
07/06/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07026	Web
I am XXXX and after 10 years of living at my previous address on XXXX XXXX, XXXX I gave written notice that due to unforeseen circumstances I needed to break my lease, attach is a copy of the notice. On Monday XXXX XXXX, XXXX my son dropped off the keys, at that time he was required to sign a move-out key receipt card along with reason for moving out and forwarding address to forward my security deposit, after inspecting the apartment. About 2 1/2 weeks later I text to find out the status of Mt security deposit and the XXXX XXXX the assistance property manager response to me to let me know that the law allow 's them 30 days after move-out date to return deposit. OK fine. On XXXX/XXXX/XXXX I again email XXXX XXXX to advised her that the 30days was up and my security is way overdue and has per the law my security is now doubled. ( CAUSE BY LAW I MUST BE NOTIFY OF MY SEC. DEP. OR WHY I AM NOT GETTING A REFUND ) attach is all the email after going back and forth I decided to file a suit in tenant landlord court. XXXX XXXX, XXXX I showed up in court for the judge to hear my case, which at that point for the first time the judge and myself was notified that they XXXX was filing a counterclaim against me, at the point the judge advised me of my rights if I wanted reschedule or go ahead with my claim against them, and at a later date they can come back for him to hear the counterclaim. Attach is a copy of the judge order ON MY CLAIM which was dropped, on XXXX XXXX I was scheduled to go back to court for XXXX XXXX COUNTERCLAIM AGAINST ME. XXXX XXXX OR THERE ATTORNEY NEVER SHOWED UP FOR THERE COURT DATE SO THE JUDGE DISMISSED THERE COUNTER CLAIM AGAINST ME. ATTACH IS HIS ORDER. AT THIS POINT XXXX XXXX is STILL TRYING TO COLLECT AFTER THE JUDGE DISMISSED THERE CLAIMS. I have faxed over a copy of the court order/judgement to XXXX XXXX at XXXX. She emailed/verbalize me in response to the judge/court order that I am still responsible the court order means nothing. Please assist me in resolving this matter. XXXX XXXX Thanks
02/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21236	Web
To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) ( 2 ) The term debt collector excludes : ( i ) Any officer or employee of a creditor while the officer or employee is collecting debts for the creditor in the creditors name ; ( ii ) Any person while acting as a debt collector for another person This account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - XXXX liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.
07/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21117	Web
I sent certified letters along with proof in the mail to all three credit bureaus ( XXXX, XXXX XXXX XXXX ) XX/XX/XXXX to dispute an account reporting negatively on my credit report. This is not the first time that I've tried to dispute this account with the credit bureaus. As of today XX/XX/XXXX I will be sending a certified debt validation letter directly to National Credit Audit Corporation ( NCAC ) which is the collection agency in hopes that this matter is resolved in a timely manner. The account is in a negative state and is hindering my chances of purchasing a home as well as being able to relocate to any other residence of my choice. The documents of proof that was sent with the certified letters were the following : 1. A copy of the renewal notice where there is a " wet signature '' not signed by me which states that lease would not renewed ( shows proof of whom signed ). 2. The residential lease agreement showing the lease end date and when tenants needed to vacate. XXXX. A new residential lease agreement with dates to validate move-in and when lease agreement was signed. All three credit bureaus began reporting this account XX/XX/XXXX. I didn't receive notification about this account from the collection agency in writing until XX/XX/XXXX. Before that time I knew nothing about an outstanding balance. However I'm aware and know the individual responsible for the debt has refused to make payments. Going forward the collection agency needs to provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. I need a copy of a written agreement that created my original requirement to pay. If I'm being asked to pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. Sincerely, XXXX XXXX
01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 770XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Account # : XXXX Dear National Credit Audit, I am writing this in response to your recent correspondence related to account # XXXX I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I choose to accept the settlement amount of {$3200.00}. Which would satisfy the 40 % the company stated they could settle for. Though the above amount is not 40 %, but in fact over 50 % of the total amount, I will accept the offer in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). You agree to not list this debt as a paid collection or settled account. You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. You agree to also delete this report from the co / main applicant account by the name of XXXX XXXX XXXX. I am willing to pay the amount of {$3200.00} as settlement for this debt in exchange for your agreement to the above terms within 15 calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. This debt has not only affected my credit, but has affected my livelihood and residence for my family and I. Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay the {$3200.00} I look forward to resolving this matter quickly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/06/2019	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 75126	Web	Servicemember
National Credit Audit Corporation ( NCAC ) XXXX XXXX XXXX XXXX, TX XXXX has reported to all major credit reporting agencies of an alleged debt which they purchased from an apartment complex where I previously resided. On XX/XX/2019 I received written notification of this alleged debt. On or about XX/XX/2019 and again on or about XX/XX/2019 I requested the following of National Credit Audit Corporation ( NCAC ) : in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay National Credit Audit Corporation ( NCAC ) what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state and provide me with your license numbers ( if applicable ). Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. To date National Credit Audit Corporation ( NCAC ) has failed to provide the requested documentation. There is not written documentation of me entering into any agreement with National Credit Audit Corporation ( NCAC ) and this was a debt National Credit Audit Corporation ( NCAC ) purchased from the originalcreditor, yet they alleged I owe them ( National Credit Audit Corporation ( NCAC ) this debt and at the amount of the alleged original debt and not the amount they purchased this debt.
10/22/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32177	Web
On XX/XX/XXXX I was viewing my credit report and noticed there was a collection from XXXX XXXX XXXX XXXX for the amount of {$2400.00}. I went to verify the company 's license on the State records and found no company with that name and address that was provided under the " creditor contact details '' of my credit reports. I do believe the company is legally not able to operate in the state of Florida. I also have never received any contacts or letters from this company that they were attempting to collect anything. The original company was informed in XX/XX/XXXX that the balance they were trying to collect was inaccurate and I did not owe anything. They sent some false and inconsistent documentations that had charges and totals that weren't right. The first alleged I owed {$1300.00}, the second {$1500.00} ( Note : both the first and second documentation were sent together ), the third {$1100.00}, and the fourth {$1500.00} and {$2400.00} ( on the same document ). The charges on each document didn't match each other as well as the dates and amounts. The charges were broken down on some and the amounts are all different on each document as well as the dates. I never signed any of them as I moved out owing no balance and I received consent to find a tenant from the property manager and the day I moved all balances were settled and the new tenant signed a new lease and paid all fees and rent for that month and it was her responsibility going forward. I asked the collection company to please delete the balance/collection from all credit agencies as I don't owe them at all. I'm filing a complaint with every company I can until this is resolved. I never received any information or correspondences from this collection agency and this amount needs to be removed from all credit agencies immediately.
09/26/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75007	Web	Servicemember
NCAC is attempting to collect a debt I allegedly owe in the amount of XXXX for an Apartment complex I lived in XXXX to XXXX. Upon Move out I was told that I was to be emailed and mailed a copy of my move out statement - which I never received from XXXX XXXX. By the time I received any notification of any monies owed, the " debt '' had already been sold to a collection agency NCAC. I contacted the leasing office to get verification of debt and to find out how they came up with such a ridiculous amount even after keeping our apartment deposit and pet deposits. I was told that it was no longer their problem and to take it up with the collection agency. OnXX/XX/XXXX I sent a certified letter which NCAC recieved onXX/XX/XXXX asking for proof that I owed NCAC XXXX and to show proof of a signed contract that I owed NCAC any money. They failed to provide any such contract between me and them and instead sent me a copy of my lease with XXXX XXXX and a move out statement. On XX/XX/XXXX I sent another letter again asking for proof that I owed XXXX to the National Credit Audit Corporation and how they came up with that exact amount. They received the letter onXX/XX/XXXX and I once again received no such proof and was only sent a copy of the lease and a vague move out statement. On XX/XX/XXXX I requested new copies of my credit report from the Bureaus and NCAC also failed to mark my account as disputed within the appropriate timeline provided by law. As per the law not only were the unable to furnish any proof of how the debt had been calculated they were also unable to prove or furnish any signed contract I had with the NCAC making me liable for this alleged debt. They also violated the law by not marking my account as disputed within the allotted timeframe of 30 days.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21244	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Attn : CFBP I, XXXX XXXX XXXX XXXX, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX, XXXX XXXX XXXX, P.A Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 2. Account Name XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX Account XXXX : XXXX XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation 4. 4 Account Name : NCAC Account Number : FILE # XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. Sincerely, XXXX XXXX XXXX
11/15/2019	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21061	Web
When moving into the XXXX XXXX XXXX ( XXXX XXXX ) in XX/XX/2018 I paid a security deposit of {$250.00}. Over the months leading up to XX/XX/2018 we experienced a number of break ins at our complex that damaged property. I was in contact with property management and had to change the locks several times. After not being satisfied with the response from my property manager regarding the thefts I was forced to create a case with the State of Maryland Office of the Attorney General Consumer Protection Division. Case XXXX. I have a copy of the correspondence dated XXXX XXXX with XXXX XXXX who was my mediator. I also filed a police report. The case centered around my ability to be able to change my locks without providing maintenance with a key. This caused an issue with our interactions. The mediators decision was that I could indeed change my lock without giving them a key. Essentially I am being charged for damages to the apartment that were made either by thieves or unauthorized entrants while I was at work. These charges are false as the damages made to my wall and counters were either made by thieves breaking in or people who were not authorized to be on my property. After the issue was brought up to the State Consumer authority the relationship deteriorated and we were unable to communicate. The property manager that replaced the one who failed to rectify these issues wasn't able to understand my position even though we had documented proof questioning the damages to the property month prior to moving out. The debt currently resides with NCAC National Credit Audit Corporation XXXX. XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX NC Permit # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, PA XXXX File # XXXX
12/12/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78247	Web
I lived at XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Prior to leaving I gave 90 day notice which more than met the required notice set forth in my lease. I was not given any notice of any monies or fees that were owed and proceeded to move to another apartment complex. On XX/XX/XXXX I received a debt collection letter from XXXX ( XXXX XXXX XXXX XXXX ) stating that I owed {$4900.00} to XXXX XXXX XXXX. I have not received any notice of any debt due prior to this point. So I asked XXXX for a copy of my tenet ledger and they could not produce one, stating that the apartment complex was sold and all paperwork was lost. So I asked how they could try to collect a debt that there is no record of and they sent me a Statement of Deposit that does not list what the debt is for and has dates on it when I did not live there at that time ( this is enclosed ). I looked up the apartment owners ( XXXX XXXX ) and requested information from them. They sent me the same Statement of Deposit and a copy of only 2 pages of the lease I signed. On the lease someone wrote " Skipped out XX/XX/XXXX '' on it. I have proof I lived at XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. I have contacted XXXX XXXX ( who was the leasing agent at the time ) and verified her receiving my notice and that my apartment was cleared and rented right after I moved out. XXXX and XXXX XXXX have placed this collection on my credit report and are misreporting the dates and amount owed which is nothing. I have repeatedly contacted both parties to try to get this resolved to no avail. I have also disputed this on my credit report and the bureaus refuse to remove the item because XXXX and XXXX XXXX keep verifying the debt. I please need help with this.
02/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33570	Web	Servicemember
There is an account on my credit history from the National Credit Audit Corporation in regards to a balance of {$3400.00} owed to an apartment complex I once occupied. It began reporting in late XXXX. On XX/XX/XXXX I received an email from XXXX XXXX ( not the collection agency which was already reporting the debt, this communication was from the original creditor ) providing me a breakdown of charges and saying what their future collection attempts would be. The email specifically stated that I needed to respond to them. I responded to the email disputing some of the charges, and requesting they provide supporting documentation for the charges ( invoice, receipts, etc ) and proof that they provided me with this information in the timeframe allowed by law, as I am well within my rights to do and had asked for previously. The laws in the state are specific that properties can only charge for expenses they actually incurred, and the charges provided to me were grouped together and unclear. The company responded with a series of back and forth emails stating how they did not have to provide me that information by law and were not bound by consumer protection laws. They also acknowledged that I followed the law with my written request for information, and then went on to say that they sent the information to the unit I once rented from them ( while fully being aware that I no longer resided there and ignoring the contact information for me provided on my request ). The email concluded with an outright refusal to provide me any information needed for me to verify the amounts they were attempting me were valid. They also referred me to their collection agency, who never contacted me in the first place.
01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 770XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX National Credit Audit Co XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Account # : XXXX Dear National Credit Audit, I am writing this in response to your recent correspondence related to account # XXXX I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I can offer a settlement amount of {$2500.00} in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ). You agree to not list this debt as a paid collection or settled account. You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account. I am willing to pay the amount of {$2500.00} as settlement for this debt in exchange for your agreement to the above terms within XXXX calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. This debt has not only affected my credit, but has affected my livelihood and residence for my family and I. Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay {$2500.00} electronically. If I do not receive your response to this offer within 30 calendar days from the date of this letter, I will rescind this offer and it will no longer be valid. I look forward to resolving this matter quickly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/09/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 75126	Web	Servicemember
National Credit Audit Corporation ( NCAC ) XXXX XXXX XXXX XXXX, TX XXXX. Is a debt collection agency, reporting on all three major credit agencies ( XXXX, XXXX and XXXX ) an alleged owed debt. I have reached out to National Credit Audit Corporation ( NCAC ) disputing this information. National Credit Audit Corporation ( NCAC ) has failed to validate this debt. At no time have I entered into any agreement with National Credit Audit Corporation ( NCAC ). And National Credit Audit Corporation ( NCAC ) can not provide any legal documentation with my valid signature of any alleged rental agreement. National Credit Audit Corporation ( NCAC ) is a debt collection organization, and the alleged original creditor is an apartment complex. The original credit has reported they have no ties and/or affiliation with National Credit Audit Corporation ( NCAC ). On XX/XX/2019 I received written notification of this alleged debt. On or about XX/XX/2019 and again on or about XX/XX/2019 I requested the following of National Credit Audit Corporation ( NCAC ) : in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act. National Credit Audit Corporation ( NCAC ) continues to fail to validate this debt and provide original documentation of the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay National Credit Audit Corporation ( NCAC ) what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state and provide me with your license numbers ( if applicable ).
02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21207	Web
I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent. 15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors. FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. XXXX XXXX, **XXXX XXXX, NATIONAL CREDIT AUDITCO*XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXXXXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.
06/15/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	MD 20901	Web
To Whom It May Concern : I rented an apartment at the XXXX XXXX for 2 years and during that time, I CONSTANTLY had to contact the Property Management team about the incorrect charges on my account. Some of these charges include : - Wrong Rental Amount - Utility Charges that should not be applied to my account. ( i.e. Gas Charges ) - Unfulfilled Maintenance Requests ( i.e. Mice, Insects ) - Incorrect Fees ( i.e. Late Fees ... I was never late with my rental payment. ) I moved out of the XXXX XXXX in XX/XX/2018 and left my apartment keys in the kitchen like I was informed by a property representative when I called their phone line. I even followed up with the property on XX/XX/2018 to make sure everything was good with my account, but the property manager did not respond to my email. 5 months later, I'm receiving a call from a debt collector for over {$1300.00} dollars in charges. These charges were completely false and my lawyer sent a scathing email to the property disputing all of the incorrect charges that have been clearly added to try to damage my credit on purpose. After receiving my lawyer 's letter, the property sent a revised ledger that removed half of the incorrect charges, even though ALL the charges should have been removed. This is important because the property NEVER updated the collections agency of the new balance. The collection agency is still trying to collect the {$1300.00} dollar amount. My lawyer has advised me to submit a complaint against the property and sue them in small claims court for damages to my credit and for wrongfully sending false information to credit bureaus in hopes of damaging my personal renting history and credit.
10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77082	Web
NATIONAL CREDIT AUDIT CO Collection Account {$2800.00} This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XXXX XXXX XXXX NATIONAL CREDIT AUDIT CO, You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.I have not given you written permission to put anything on my credit profile 15 USC 1681b2.You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.I refuse to pay this alleged debt. Cease and Desist all collections activity AND DELETE FROM MY CONSUMER REPORT! YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681n, 15 USC 1681o and 15 USC 1692k.DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES.
08/18/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21215	Web
On XXXX XXXX.I reached out to XXXX about a collection that is a joined account that my husband and I owe money on and have been paying monthly since XXXX for breaking a lease in XXXX. I called the office, which seem like only one person work 's their XXXX XXXX .I asked for records of our monthly payments, or a letter with a letter head with any information about our bill/ collection. I was told that, she doesn't have to give me any thing pertain our account with this company. I asked to speak with a supervisor, she then in returned told me NO! I don't understand that if this is a debt collection company, why don't we have or cant have any thing in writing! I found this very odd and never heard of. I am starting to believe that we don't owe as much is being told to me over the phone, which she would only do, but we have been paying this company for over a year now. Every time I call she is the only person who pick up. I cant talk to no one over her head or get a hold of any one else who seem to help. This person or company or I just don't know anymore want give us any information about out debt or our payment history or any thing form this company at all. She is very nasty and wont let you get a word in. If we owe this much fine show us something .she wont send us anything at all, no email or letters .We are starting to believe that the original company sold our account, and this company wants more money the own and wont show us anything in writing because they are scamming us out of more money. We never thought anything about it until I called and asked for something in writing and then she told us all of this unbelievable stuff
03/16/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85018	Web	Servicemember
I was never contacted by collection agency, XXXX XXXX XXXX XXXX, or original creditor, XXXX XXXX, about this false debt - {$8000.00}. Original creditor had received a judgment against me on XX/XX/XXXX for {$640.00}. I attempted to get the judgment set aside 3 years later when I discovered original creditor had been paid in full by my housing agency but was sent to mediator instead. In XXXX, I had submitted an application for a new apartment and was shocked when declined due to an outstanding rental debt. The original creditor had my current address due to the court case I filed in XXXX. The collection agency would have validated my address as well. I was NEVER contacted by either party about this $ XXXX debt because I do not owe it. XXXX XXXX submitted this false debt simply as a way to retaliate against me because I disputed the original judgment. In meditation I let slip that my husband and I were trying to buy a house. XXXX XXXX was forced to report the original judgment as satisfied, thus removing it from my credit file in XX/XX/XXXX. XXXX XXXX was never awarded a judgment against for {$8000.00}. Arizona Courts will only award landlords actual delinquent rent amounts + damages + attorney/filing fees. Arizona legal statues prohibit landlords from being awarded " future rent for rentals that may be rented again. '' When I disputed this debt as " not owed, '' " never notified, '' & " illegal '' the credit reporting agencies claimed this debt fell within FCRA criteria and has maintained it on my credit reports thus preventing me being able to rent a place to live, resulting in my homelessness for 1.6 years!
12/19/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75019	Web
Hi, I will keep it precise in points : Please find my complaint details in points below. +In XX/XX/XXXX I received a phone call from XXXX XXXX ( XXXX XXXX XXXX XXXX ) claiming I owe {$820.00} in the form of move out expenses. + I moved out of this society by the name " XXXX XXXX '' located in, XXXX XXXX, in XX/XX/XXXX. +When I tried to get more details, she refused to share any details with me very rudely and threatened me that my credit score will be ruined if I do not go ahead with the payment. +Although I bought me some time from her, asking her to get back to me in a few days after I double check with the Real Estate company involved, I was told that the company was taken over by some other firm. +On my second interaction with her, I asked her to provide me with a legitimate letter head document with the details of the costs involved. +She however went on to disagree with me bluntly and said if I can pay the half of the amount and eventually consolidated my doubts about the claims being false. +She sent me a scrap document which has no credibility, no letter head whatsoever etc. +I was a XXXX XXXX at that point and could not afford to pay this false amount and I am sure that all the points they have listed on the document are not true and are subject to verification. +I will attach the file she sent me which will give you an idea of this scam. +I also searched online and turns out that a few more people have been a victim of this scam. +This account is now on my credit score and is effecting me monetarily, I am facing difficulties getting loans and other credit related processes. Warm Regards,
03/28/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD XXXXX	Web
A {$3100.00} debt was reported to a debt collection agency, National Credit Audit Corporation XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX. I reached out to the debt collector and informed her that I never initialed or signed a lease. I was told that it didn't matter that I didn't sign a lease because I signed an add-on addendum. On the Addendum, it states that the Addendum is not valid if the new resident does not initial and sign the lease. So the addendum in INVALID. XXXX, at National Credit Audit Corporation, still refused to remove the debt from my credit report. She was also informed that it is illegal in the state of Maryland to report a debt without a court judgement. She still refused to remove the debt. Another error that was made is the balance. {$3100.00} was the debt amount reported to the credit bureaus. On the letter AND resident ledger ( which has the primary account holder 's name ; my name is not listed ) I received from XXXX at National Credit Audit Corporation ; the balance is {$3100.00}. The dates on the resident ledger are inaccurate as well. That apartment unit was vacated XX/XX/XXXX and the resident ledger has the move out date as XX/XX/XXXX. As of XX/XX/XXXX, I still have not been provided with a lease with my signature and initials nor have I been provided with proof of a judgement from the Maryland court system. National Credit Audit Corporation violated 15 U.S.C. Section 1692e ( 8 ) of 15 U.S.C. Because of this discrepancy, I'm unable to apply for any lease. I've gotten rejected 3 times, despite showing a good and progressing credit history.
11/24/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 850XX	Web
There are XXXX things that need to happen here. I am XXXX and am clearly being discriminated against. Another man, XXXX, and I shared an XXXX. He left with no notice leaving me alone to resolve the closing out and cleaning which I accepted. I was told what the total was and paid it. Then I received another bill for other issues but included were repairs and charges that were false. I made the company manager aware of the excessive charges and nothing was corrected and no mention of leaking XXXX and damage which lasted over XXXX weeks. I had to move out XXXX weeks because of mold and odor. I sent XXXX Notices with details and pictures and contacted the other man sharing the apartment only to find I was the only XXXX being threatened and charged and I was in second position on the lease and only paying XXXX third of the lease payment. I have witness ', XXXX that will sign affidavits the the carpeting, sink and screen door were already needing replacement when I moved in. I required people to take off their shoes when entering from the beginning. I had to send the Notices to the collection agent as the manager would not speak to me directly. I have tried my best to do right and correct this but it has become obvious that they are taking advantage of the situation at my expense. I reported things when I moved in as a guest with XXXX right away and they didn't get fixed. It was into the XXXX week before they fixed the lead in the XXXX unit which created a mold condition. Several other charges are for things that were already in dis-repair before I moved in which was reported.
08/31/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	AZ 85021	Web
On XXXX XXXX, a settlement with my previous landlords attorney to break lease without penalty due to roach infestation. I agreed to the terms the following day but never received any confirmation of my response. On XXXX XXXX I emailed the landlord to agree to the terms of the lease break settlement and prepared to move out on the date agreed on. However the landlord filed eviction behind our backs. We went to court on XX/XX/2022 and a judgment for nonpayment of rent for two months in the amount of {$3800.00} was granted in favor of the landlord but they had to adhere to all terms of the settlement. I moved out on XXXX XXXX. A month later I received a letter from collection agency NCAC alleging that we owed {$11000.00}. I contacted a community legal service and with the support of the lawyer she assured me that I am only required to pay the amount ordered by the court. After showing documentation of the settlement the collections agency refused to acknowledge the document and said I needed more proof or they would report it to the credit bureau. They have quoted me 3 different amounts and though I have submitted sufficient documentation, they are still refusing to correct the amount I owe them. I have been trying to pay the amount owed to them for months as the rental judgment is affecting my ability to find adequate housing. I have been homeless with my family since being evicted from this property and trying to pay the judgment has been the main obstacle to safe and affordable housing.
08/09/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 76012	Web
On XX/XX/XXXX NATIONAL CREDIT AUDIT, a company I do not have any commercial or other contracts with operating in commerce, placed a derogatory collection on credit profile without my prior consent or knowledge.This company whom I do not know did not contact me prior to give me a chance to dispute this alleged debt before placing it on my credit report. I did not notice this until XX/XX/XXXX. I sent a letter dated XX/XX/XXXX, to NATIONAL CREDIT AUDIT ( see attachments ) having them to validate the depute debt pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. They never responded. Due to COVID-19 my second letter ( notarized by a Public Notary ) dated XX/XX/XXXX, and a third letter Dates XX/XX/XXXX. Each time I sent a letter I placed the previous letter from letters in that package. See attachments, I do have a Certificate of Service for all these letters. NATIONAL CREDIT AUDIT, failed to contact me prior to reporting alleged debt, failed to provide validation that the allege debt is mine, respond in a time manner, failed to provide Certificate of Service where the attempted to contact me ( prior and during dispute ), failed to give me the persons name who did the calculations, failed to show that whomever did the calculations was knowledgeable in that process, and what systems they used to calculate the debt. Most importantly they failed to show the contract I signed with them NATIONAL CREDIT AUDIT.The alleged amount they say I owe is {$4400.00}.
07/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 282XX	Web
I noticed this debt XXXX had been placed on my credit report. I am disputing the above referenced debt because I have no knowledge of this. Please verify this debt as required by the Fair Debt Collection Practices and regulations require all debt collectors to send specific written documentation verifying that I am the owner of the debt. Verification requires all of the following : Proof that this Account belongs to me. Proof that I was contacted in writing of this debt Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
10/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77459	Web	Older American
Please read the attached correspondence between XXXX XXXX, XXXX XXXX Rice XXXX XXXX First Advantage/NCAC and XXXX XXXX, a leasee, with my son, XXXX XXXX XXXX XXXX son lived in apartment number XXXX for 2 years and we were never late with rent payments, even during COVID. My son moved out in XX/XX/XXXX. I and a hired maid, XXXX, cleaned the apartment thoroughly. Even though there was a lot of mold in the bathroom. See attached picture of mold. I never received a final bill from XXXX XXXX. The first contact I received was a letter from a Debt Collector, National Credit Audit Corporation dated XXXX XXXX. I contacted XXXX XXXX manageXXXX and informed I never received any notice of payment. She said she emailed me the notice. I checked my emails, a copy of email address was wrong. XXXX a realtor so I receive alot emails, and no emails were received by XXXX XXXX. I asked what email was it sent to and it was XXXX instead of the correct email. Please review the correspondence between the debt collector and XXXX XXXX XXXX In XX/XX/XXXX, This account was sent to the credit bureaus as a Collection item in XX/XX/XXXX. It was reported even before I received notice from the Debt Collector. This is the only negative thing on my credit report. Why? Because I pay my bills. I will pay for repairs but I will not pay collection fees because the account should have never been spent to collection. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX.
09/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77459	Web
Please read the attached correspondence between XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, a leasee, with my son, XXXX XXXX XXXX My son lived in apartment number XXXX for 2 years and we were never late with rent payments, even during COVID. My son moved out in XX/XX/XXXX. I and a hired maid, XXXX, cleaned the apartment thoroughly. Even though there was a lot of mold in the bathroom. See attached picture of mold. I never received a final bill from XXXX XXXX. The first contact I received was a letter from a Debt Collector, National Credit Audit Corporation dated XXXX XXXX. I contacted XXXX XXXX manager and informed I never received any notice of payment. She said she emailed me the notice. I checked my emails, Im a XXXX so I receive alot emails, and no emails were received by XXXX XXXX. I asked what email was it sent to and it was XXXX instead of the correct email. Please review the correspondence between the debt collector and XXXX XXXX XXXX In XX/XX/XXXX, This account was sent to the credit bureaus as a Collection item in XX/XX/XXXX. It was reported even before I received notice from the Debt Collector. This is the only negative thing on my credit report. Why? Because I pay my bills. I will pay for repairs but I will not pay collection fees because the account should have never been spent to collection. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX.
03/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	DE 19711	Web	Older American
On XX/XX/XXXX, XXXX XXXX XXXX Regional Manager at XXXX XXXX wrote me in response to my inquiry about the {$280.00} NCAC Debt Collections : That she couldn't see where XXXX XXXX ever sent my account to Collections ; and, did not see any judgment entered against me. I made the inquiry to XXXX XXXX because XXXX XXXX, XXXX XXXX told me about the debt being an obstacle as far as my name being added as Lease Holder at XXXX XXXX XXXX, XXXX, XXXX, Delaware XXXX. No one at XXXX XXXX, XXXX XXXX and NCAC COLLECTIONS has contacted me about the alleged debt before I emailed them after hearing about this alleged debt from XXXX XXXX. I have not received any written communications by U.S. MAIL from XXXX XXXX or NCAC Collections regarding this debt. I received a copy of my XXXX credit report today in the mail and indeed it has been on my report since XXXX. And, it is noted that XXXX XXXX XXXX is last recorded for checking my report. My application for an apartment there in mid XXXX was denied. XXXX XXXX, after consult with NCAC XXXX XXXX changed her story. Then referred me back to NCAC. To this date, I've not received any correspondences by U.S. Mail for XXXX XXXX and NCAC Collections. I want to see what documentation they provided to Credit Bureaus to support " Fair Credit Reporting '' other than their ledger. I want to their proof that I was notified in writing by XXXX XXXX XXXX or certified mail.
06/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60586	Web
The property manager at XXXX XXXX at that time failed to follow company guidelines with assisting me vacating the property properly. The property manager approved the lease being broken early, signed off on property being returned ( keys and locks ), but failed to submit a claim that the apartment needed repairs within the proper timeframe under XXXX XXXX guidelines & procedures. I informed the property manager numerous times of the repairs needed, she told me not to worry since my account was in good standing. XXXX XXXX issued me refund move out check for an amount but later sent me to collections for a different amount than the refund check. I am demanding this account be deleted off my credit report since the property manager failed to follow proper procedures at XXXX XXXX. In the email, the collections department stated that the property manager failed to submit any claims for repair -- It is clearly factual that XXXX XXXX failed to follow proper procedures. In the email thread with XXXX XXXX XXXX department, it is clearly stated Our Accounting Dept moved quickly as the property manager did not submit their final inspection report with pictures. The property issued refund check on XX/XX/2021 to me, not National Credit Audit Corporation BEFORE the move out statement was issued which was XX/XX/2021. It is clearly factual that XXXX XXXX failed to follow proper procedures.
05/28/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21221	Web
So as of late 2018 ive been trying to get further information on a erroneous collection account that was placed on my credit file by XXXX and XXXX.The company is NCAC/National credit audit corporation with a balance of $ XXXX.This account was also posted to XXXX but has since been removed.I have written XXXX and XXXX several times as well as the creditor, requesting all documents for the above account and neither have done so. Both credit bureaus have violated the FCRA section 601 ( a ) ( 1 ) ( a ) as well as section section 623 of the FCRA, and has since then refused to remove account from my credit file. XXXX has removed this account from my credit file but XXXX and XXXX have failed to do so. After many letters and phone calls to the credit bureaus letting them know this is not my account, I wrote them asking for there Method of verification I received the response 30 plus days later, but the Bureaus are required to respond within 15 days when there is a request of ( Mov ) and I was sent back a phone number with no company name and no other details.The above account is also missing information witch is also relative to the FCRA. XXXX and XXXX are not conducting proper investigations into this matter. Ive also hired an Attorney to help me thru my legal matters with NCAC/National Credit audit as well as XXXX and XXXX
05/16/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 17042	Web
Upon moving out of my apartment, managed by XXXX XXXX , I was sent a bill for various charges which were not described to me on the bill. The charges on the bill I was sent also did not add up correctly ( the total amount due did not equal what each line item added up to ). The bill clearly says not to contact the propert y manager if you are disputing the bill, but to send an e-mail to the company and provides the e-mail address to send it to. I did this before and after the due date of the bill and received no response. XXXX XXXX then sent my bill to a collection agency National Credit Audit Corportation. They have re peatedly told me that I must pay the bill sent to them even thou gh it is not the same bill I received or it will affect my credit score. I told the person there that I have trie d contacting the management company to dispute the charges and they refuse to respond. I am now planning to file a complaint against XXXX XXXX ( and possibly National Credit Audit Corporation ) in the Magisterial " small claims '' court. I believe I have a right to speak DIRECTLY to the party sending me the bill and dispute their erroneous charges. XXXX XXXX is only trying to bully me by stonewalling my dispute and hiding behind a collection agency which is an unfair and unethical practice.
11/13/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80013	Web
due to XXXX incompetence and continued corruption im forced to contact this other idotic shopping plaza office having derelict company. it makes no sense that a company is going to wait 4 years to sell a debt or a debt collector like your self to wait 4 XXXX years to start collecting it. no amount of XXXX dollars EVER!!!!! appeared on any of my credit reports UNTIL AND AFTER!!! my information was hacked at XXXX in XX/XX/2017 I want this fraudulent debt removed from my report and I find it equally repugnant that XXXX so called investigation is just sending your XXXX of a company an email everytime I file a complaint report and everytime you sacks of XXXX say YES ITS A DEBT. well if it is it sure as XXXX isn't mine. im tired of arguing for a XXXX year with incompetent outsourced XXXX at XXXX so time to argue with what im sure is another outsourced XXXX in XXXX about this debt which is impeding me from getting housing. and the funniest thing of all is that even this so called FEDERAL CFPB company is ALSO OUTSOURCED TO XXXX so in total I bet all 3 XXXX who could handle this matter are in fact just one sack of XXXX in XXXX at some XXXX run down stinky XXXX call center. RESPECT IS EARNED NOT GIVEN and none of you deserve any and demanding it only verifies your narcissism and sociopathic tendencies.
03/03/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 295XX	Web	Servicemember
My identity was stolen in 2017. I submitted dispute letters to this company along with all 3 credit bureaus numerous times. Each time I dispute they verify the account as accurate. Federal Law states I must have a written contract along with all FCRA requirements. Also I filed a police report for my identity theft and had a fraud alert placed on my accounts. This letter is regarding account # XXXX, which you claim I have a charge off and I owe {$5100.00} and my account was reported to collections as delinquent for {$5100.00} ]. This is a formal notice that your claim is disputed.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent and evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation.
01/08/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Debt is not mine ; XXXX misunderstood my previous submission and is treating the situation unfairly. If you would review my previous statement : This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. This needs to be removed immediately. XXXX needs to contact the ORIGINAL company as I stated in the above referenced case ; I never stated I attempted to contact NCAC ; Instead I stated the company ( XXXX ) stated these details. No idea why XXXX would 've ever even purchased this account. We dealt with the original management agency of XXXX ; The account in question ; had multiple phone calls with the manager of that office and was told I would not be liable for this debt. XXXX needs to provide research into this matter, They need to contact the MANAGEMENT company at the TIME of the case between XXXX-14 - XXXX-14 which will notify them that I am not liable for this account, I would like XXXX to provide the details of the company they contact so that I can take appropriate legal action in the County to handle this if it 's not resolved immediately.
03/26/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33173	Web
I'm a XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, recently well last year, the new owner of this building has made me stressed and has embarrassed me in front of our XXXX ; we deal with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX we help the community with XXXX we are not in a rural area, but our XXXX do live in a rural area. Well, ever since XXXX XXXX purchased this property, never less, it's been a nightmare. XX/XX/2021, they walked in XXXX while seeing XXXX collect according to the past due to rent dating since XX/XX/2021. Our facility has never had a problem with the previous owner. The rent is on auto-pay, so it's impossible to gain late fees. I feel we are not only harassed daily, but XXXX XXXX XXXX has made changes on binding contracts done by the previous owner. They have even turned off the power on three electrical plugs ; one of them holds the XXXX and other XXXX wording on documents several times ; even with this So-called money, we owe 90 % of our XXXX are XXXX XXXXXXXX XXXX unique patients that I have had the privilege to help a make them smile. XXXX XXXX now has sent my business information to a debt collector again, another unprofessional situation I will include in the email along with all emails and lies she is putting my business in jeopardy
05/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75093	Web	Servicemember
O n XXXX / XXXX /2017, I mailed a regular mail request to validate, it was not responded to by NCAC. XXXX / XXXX /2017, I mailed a certified request to validate debt, give accounting of fees of the debt and other items ( 2nd letter and it was returned not signed for ). 3rd letter, I mailed certified request to delete to the collection agency also, based on FDCPA and TX finance code and the letter on XXXX / XXXX /2017 not being responded to ( sent XXXX / XXXX /2017 ), this was the second certified letter. None of the 3 letters have been responded to as of today. The debt is being collected by TWO collection agencies on my credit report. Per the law they do not have to respond, however they do have to cease/stop all collection activities including, reporting to my file with all CRA 's. Note : I mailed a certified copy of the letter sent to the collection agency to the XXXX CRA 'S certified, so they could see what I mailed on the day that I mailed. Today is XXXX / XXXX /2017, t hey have not responded to either letter. The second certified letter gave them 10 days to respond. They refuse to communicate with me, and as of today have ignored all of my legal communications. My attorney sent them a letter 7 days ago also, however, they need to follow the LAW.
03/25/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21217	Web
I have made several attempts to resolve this issue. I am not sure if National Credit Audit Co is a legitimate debt collections company. They have the same rude person XXXX, asking the phone. I called again on XXXX XXXX around XXXX XXXX to discuss this possible debt. I informed her, if a settlement was available, and I want a notice from the debt collection agency.XXXX placed me on hold, and then disconnected the call on purpose. She refused to send any information, regarding the debt. First I do not agree with the debt. Second, this place seems like a scam. Why are there only 2 people working, the same. I am asking to investigate this company further, to confirm. Then I want a copy of the notice, t mailed to my address provided on the complaint form. If this place is not a scam, settle the account with someone other then rude XXXX. its unacceptable for XXXX, to be rude and unprofessional and lie about disconnecting the call. I did a screen snap, to show she placed me on hold as evidence if needed. Resolve my issue and remove from my credit report. * XXXX claims I disconnected the call, which is a lie. If that is the case, why did she not call back. I immediately called back and left a message. Clearly XXXX is not telling the truth
03/26/2018	No	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85138	Web
I contacted National credit audit requesting a pay in delete agreement. When I spoke with the individual XXXX she read my the attempt to collect verbiage on my first call I told her my concern and asked kindly if she could help. She said they could pay to delete if fully payment was received, I indicated I did not have the funds for the full amount owed and would be willing to settle to pay to delete. She said well we cant do that. I said wel I can not afford to pay the debt in full unfortunately. She said well thats the only time we will offer this to you with attitude. I said well thats a little rude. She then proceeded to say no youre rude for not paying your debts. I felt very attacked and asked for a supervisor. She stated no one was available and hung up on me. I called back again and asked for a supervisor but was transferred to XXXX again about 5 minute later. She said no XXXX theres no supervisor and in the beginning did not read the attempt to collect verbiage. I said that is not allowed to my understanding and you shouldve read it first. I believe she violated the collection laws by not reading the verbiage but also attacked me for being kind and honest in that I could not afford to pay today.
07/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20744	Web
On XX/XX/2022 I pulled my credit report and found that there are two unpaid/delinquent accounts listed with XXXX. This was done without my permission! I called XXXX and spoke with a lady named XXXX. The phone call reference number is XXXX. During the call I asked XXXX if it was XXXX 's practice to just put anything on a consumer 's report without an investigation, and she told me yes ; as long as the debt collector provides the info ; they can just add whatever they like and the consumer has no say in the matter. I did some research and found that this is absolutely NOT the case. The items listed on my XXXX Account is causing a hardship for me and are simply inaccurate. There's one for {$8200.00} for a rental property and one for {$110.00} for a medical bill. I'm not sure of the company who purchased the alleged debt and that is why I reached out to XXXX. However, the way XXXX has handled this situation by disregarding my rights as a consumer and their deceptive practices ; I no longer wish to do business with them directly. At the time of this complaint I got another report to find that they still have it listed and refuse to remove it.
12/12/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32608	Web
Upon learning of this alleged debt on my credit report, I sent in a validation letter on XX/XX/XXXX and was sent back a copy of a lease dated XX/XX/XXXX-XX/XX/XXXX and typed up charges from XXXX. This alleged debt states the debtor moved out in XXXX and I wasn't living at this property then. I sent in a second attempt of debt validation on XX/XX/XXXX and asked for further validation that this alleged debt belongs to me, including proof this company's license to collect on debts is expired. I was sent back the same letter I sent in on0XX/XX/XXXX with writing on my requests stating they are only sending me what is required by law concerning the creditor/debt collector declaration. They hand wrote on the letter and stated " original lease sent, renewals do happen" but have failed to provide the alleged renewal. When I highlighted the contradicting dates on the lease it was hand written " So what? you singed a renewal of stayed, you still abide by lease" but once again not providing a copy of this alleged renewal. I also asked for validation they bought this alleged debt, etc but they refuse to provide me with any valid documentation.
10/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 372XX	Web
In XX/XX/XXXX, I went to court for XXXX XXXX XXXX after i moved out in XX/XX/XXXX. In court under oath both XXXX XXXX XXXX and my attorney agreed that i vacated prior and did not owe any damages and monetary penalties. The lease they tried to use was date XX/XX/XXXX when i signed my lease on XX/XX/XXXX for a one bedroom unit and received a two bedroom that was 3x more then my income and i could not afford the unit. I was the only person one my lease that i signed in person in the office and the lease they were trying to present was done online contacted to the locked account that i had no access to. That lease was thrown out of court on XX/XX/XXXX. XXXX XXXX XXXX sold my personal information to a company called National Credit Audit Corporation, XXXX XXXX XXXX, XXXX, TX XXXX. this company is trying to collect over {$12000.00} from me and sent me a copy of the same lease that was thrown out of court and agreed as a fraudulent collection by both XXXX XXXX own attorneys as well as the judge in XXXX XXXX. they have placed this on my credit as a eviction and i was not evicted but moved out.
06/22/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21204	Web
I have 3 NCAC accounts being reported on all 3 of my credit reports, and have been trying to access my account online at NCAC ( national credit audit corporation ) and can only log on to see one of these accounts for which the reported address for me is inaccurate. The online settlement pay off offer is lower than what I was offered via email from an XXXX XXXX. I was told that they could not be corrected to allow me to see what is owed online. This makes no sense. Its like they dont want me to be able to see what is or isnt there. I also feel as though they are not being honest, as I was told by XXXX that she would have to call the original company to seek approval of a lower settlement amount. These accounts were sent and purchased my NCAC over 4 years ago. This is prohibiting me from renting an apartment and I will soon be homeless if this cant be addressed timely due to my current lease terminating on XX/XX/22. The only account I can get online access to is # XXXX. Account # s XXXX and XXXX do not pull up when I enter the required account # and last 4 of my social security #.
11/27/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 22193	Web
XXXX XXXX XXXX have sent my name in collections for the amount of {$3000.00}. In addition to ruining my rental credit history which is making it nearly impossible to rent. The issue was bought to my attention on XXXX XXXX when I attempted to rent an apartment. I have never received any letter or phone calls from XXXX XXXX regarding the issue. I have made an attempt to reach out to them via email on XX/XX/XXXX, at XXXX ( which was the email of the person who sent my last lease ) and putting in a direct request on the company 's website XXXX XXXX XXXX XXXX XXXX a couple of days afterwards. No one has reached out to me regarding the matter. In XX/XX/XXXX, I broke my lease. Upon moving in the apartment I gave them a XXXX months rent deposit in addition to the prorated amount that was due when I moved in XX/XX/XXXX. When I inquired about possibly breaking the lease they stated I had to pay XXXX months rent XXXX XXXX XXXX XXXX ( they had XXXX months rent ). The rental amount was {$1200.00} in XXXX and had increase to {$1200.00} upon me leaving.
09/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77449	Web
XXXX XXXX. I received an email from a collection company by the name of XXXX XXXX XXXX XXXX in behalf of XXXX XXXX XXXX. For an amount of XXXX. Upon further investigation and legal deligences, I filed a complaint with the XXXX XXXX XXXX and agree to have a conference in regards to revision of the Leasing agreement aging from XXXX fear of possible consequences to my credit history I started making payments on XXXX, the first payment been on XX/XX/XXXX - XXXX XXXX Upon, complete revision " XXXX XXXX decided in XXXX XXXX management with a revision. The committed, has removed the recovery fee charge of XXXX because there is nothing in the lease to support that charge. After the revision was made and with the other charges justified the resident owes the property {$750.00}. '' My most recent payment was on XX/XX/XXXX XXXX, having a remaining balance of XXXX, which payment XXXX make before XX/XX/XXXX. The charge amount by collection reflects a credit negative remark of {$990.00}, which amount is incorrect. Best regards, XXXX XXXX
04/12/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 296XX	Web
On XX/XX/XXXX, I sent a letter to XXXX ( XXXX XXXX XXXX XXXX ) in regards to providing me with information to validate the said account which is reporting on my credit report as {$8000.00}. The problem is the letter that was sent back to me in response to my letter stated I owed {$7100.00} and also shows a different account # than what is reporting on my credit report. The letter from XXXX also states that they verified the charges with their client and based on their research it is correct. How can it be correct when there is a {$940.00} discrepancy among the reporting on the credit report and the letter I received. An itemized statement was also sent stating that my move out date was XX/XX/13 when I moved out in XX/XX/2013 with a 60 day notice. Then on the itemized statement it states {$2200.00} for pre-termination charges but the charges are on there twice. From my understanding anything that is reported on my credit report needs to be accurate and varifiable and right now this account is not accurate nor verifiable.
07/28/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19142	Web
I sent a letter certified mail to NCAC to valid debt in about of {$740.00}, NCAC responded with the original debtor " XXXX XXXX XXXX '' ledger with an excessive carpet fee for {$320.00}. I responded back to NCAC certified mail with pictures taken from Move Out of the entire apartment with no carpet stains. I also sent a copy of a letter from my Lawyer that was forwarded to original clienXXXX XXXX XXXX stating that the debt was incorrect. As stated in the legal document, the silence was taken as a confirmation that the amount was incorrect. Yesterday, I spoke with a representative to follow up on the status of my response. The representative stated that " he received the pictures of the apartment. Apartment companies can add fees if you do n't have a move out inspection and next time have an inspection to avoid false fees. '' He then went on to explain how he would delete the debt from my file for a settlement of {$420.00} however he could not put it in writing. I have to pay first then he will delete from my file.
05/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32818	Web
This agency added an account from XXXX XXXX to my credit report. I received no notice from XXXX XXXX or National Credit Audit Corporation that there was any money owed on the account. Under the Fair Debt Collection Practices Act, the agency is required to provide me with notice of the alleged debt and I have 30 days to respond before the debt is assumed to be valid. I provided a forwarding address through the USPS. During a phone conversation on XXXX/XXXX/16, the representative from the collection agency admitted that I did not receive any notices from them. Yet, they reported the debt to the credit bureau. They violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by reporting an alleged debt to the credit bureaus without following the guidelines established by the law. They are required to provide the notice and they knowingly reported invalidated information to the credit bureaus. I want the alleged debt erased from all databases and the credit bureau information updated.
08/21/2019	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 19454	Web
I was stayed in XXXX XXXX XXXX for almost like one year , i got another job offer in other place, then i told to XXXX XXXX that i will move to XXXX XXXX , not to break the lease they said yes. then later we moved to another property near my job location and XXXX XXXX called me threatned me discriimated by saying that i will face so many problems in new place, i have that phone recording too. i am staying with my wife and XXXX year old son, potentially they are tried to scare me and they shown hated crime . i said i am not supposed to pay anything. XXXX XXXX did some polictics because we left the new place with in one month we lost almost like XXXX$ advances and transporation. and then we took another apartment which reuquire to pay more advance and monthly rent . and then i received an email and a call from XXXX XXXX - XXXX XXXX saying that i need to pay XXXX$ to XXXX XXXX , they posted a collection debt on my credit report , they are potentially threatning me and showing XXXX crime.
03/05/2021	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	NJ 08043	Web
In a prior complaint, I attested to the fact that Nation Credit Audit Corporation has falsified information, and stated the following : Company 's Response " ... Please note that back in XXXX of 2018, the leasing office filed & was awarded a Warrant of Restitution from the district court for nonpayment. They were also, given authorization to start the Eviction process to retrieve the possession of our premises. XXXX discharged our claim as the PR brought his rental charges current and gave a notice of vacating. Therefore is was no need to proceed with an eviction ... '' There is no warrant of restitution. I challenge National Credit Audit Corporation to show me where a warrant of restitution was granted in the State of New Jersey. There is no such warrant recognized by the New Jersey court systems. I challenge them to show me proof, in the form of documentation, account statements, this supposed Warrant of Restitution, and any other place where my name shows up with my signature.
07/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32771	Web
NCAC contacted me for the first time on XX/XX/21 via email advising that they were attempting to create a debt. This letter did not disclose that I had the right to dispute this debt. Then I received a letter in the mail from NCAC dated XX/XX/21 that stated that I did not respond in a timely manner and that they assume the debt was valid. There was only a 5 day period between the initial correspondence and the 2nd letter stating that I didn't respond in time, but pursuant to 15 usc 1692g ( a ) ( 3 ) I have 30 days to respond. NCAC also sent the physical letter with their logo on the envelope and the letterhead. Pursuant to 15 usc 1692f ( 8 ) this is a violation to my right to privacy. NCAC also threatened that if I do not pay this debt that it would affect my credit report, which violates 15 usc 1692d ( 1 ). I have sent an affidavit of truth with exhibits proving the violations, a cease and desist, debt validation letter and an invoice, certified mail with green return receipt.
04/18/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	MD 21227	Web
I spoke with someone named XXXX XXXX at NCAC about a collection from a previous address. She stated that both myself and my now boyfriend both owed {$3900.00} for a place called XXXX. I knew we did not owe the amount because he never signed a lease with the company and I stated that to her. I also told her that I myself did not owe that amount because I left at the end of my lease according to the directions I was given by the lease manager. I was told to leave by XX/XX/2019 in order not to owe any money to them. I called XXXX XXXX and received a breakdown of what was owed after security deposit was deducted and charges were added for cleaning etc. XXXX does not want to acknowledge that and threatened to contact my employer and said the only way to make it go away was to pay the {$3900.00}. She was willing to take a one time payment of {$1900.00} which I did not want to do nor did I have it. I was willing to make payments on the actual amount owed but she refused.
01/13/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD XXXXX	Web
On XX/XX/XXXX i recieved a credit monitoring alert of a derogatory account being added back to my credit file with XXXX.This errouneous account NCAC/National credit audit corp in the amount of XXXX was removed from my credit file sometime the year prior.This account does not belong to me.XXXX is also reporting this account as well, ive reached out to both parties to get information on this account last year XX/XX/XXXX.Since then XXXX and XXXX have not supplied any information on this account. XXXX is in violation of the re-insertion laws per the FCRA, All Credit bureau 's are required to inform the consumer of any re-insertion.This has hurt my ability to obtain credit as well as the constant back and forth with the Credit bureau 's as well as the collection agency.XXXX has removed this account with no issue at all.Myself and my attorney have started legal action against XXXX and XXXX and NCAC for violating the FCRA and my rights as a consumer.
12/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19139	Web
First, I'd like to say that according to House Joint Resolution 92 of 1933, that all currency, such as federal reserve notes, are debt instruments and promises to pay and only gold and silver can pay debts according to the constitution. Next, National Credit Audit Corporation is a third-party debt collector and not a creditor. I don't have an agreement between myself and NCAC for any alleged debt yet, the third party violated 15 USC 1692c as the debt collector does not have any consent from me to have my information or to contact me. Also, NCAC violated 15 USC 1692f by selling my information to consumer reporting agencies despite not having an agreement between me and the third-party debt collector as well as abusive language stating I owe NCAC despite there being no money of value in the United States XXXX Do not disregard my rights and ignore the fact that I am exercising my rights as a federally protected consumer.
09/17/2019	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30318	Web
Thank you for helping with this CFPB. Ive attached a false move out statement that has been effecting my credit score. The collection agency claim that I own late fees and accumulated a monthly rental charge for a apartment unit i was no longer occupying. In order for this move out to happened I had to follow the leasing terms contractually and report directly to the property managers in the required 60 days to indicate I was no longer going to be living in the rental unit, hence a move-out statement and not a eviction notice within the 60 day notification. The property confirmed, I moved out on the confirmed date with my moving van receipt attached and security footage of this day can be retrieved for evidence. 1 year, 7 months later I was being held accountable for a error the property made in the amount of {$4400.00} Please review promptly, I would like this to be closed and resolved case. Many Thanks
03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77082	Web
PRIVATE PERSONAL SOCIAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITUTIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. AT PRESENT IT IS REQUIRED THAT UPON YOUR FAILURE AN INABILITY TO VALIDATE THE FOLLOWING INQUIRIES AND WITH A WRIT OF INQUIRY OR LETTER OF AUTHORIZATION OR LETTER OF ATTORNEY EACH BEARING ORIGINAL WET INK SIGNATURES FROM MYSELF THE EXECUTOR, THE INFORMATION IS TO BE DELETED AND EXPUNGED FROM THE CONSUMER CREDIT REPORT WITHIN TEN ( 10 ) CALENDAR DAYS. NOTICE OF INTENT TO LIEN FOR CONSTITUTIONAL VIOLATIONS AND CRIMINAL RACKETEERING VIOLATIONS AS PER 18 U.S.C. 1962 AND 1963 PURSUANT TO 15 U.S.C 1 & 3 & 13 IGNORANCE OF THE LAW IS NO EXCUSE FROM THE LAW. XXXX XXXX.
02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75044	Web
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
02/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web	Servicemember
I have never received an original bill for either of the accounts that were listed on my credit report by National Credit Audit. I recall asking for documentation of this quite some time ago however my request was ignored yet these two accounts remain on my credit report! I also made a call and all the agent ( XXXX ) could tell me is the amount that she was told that I owed and that I can pay on their website and theyll give it to the individuals that said I owed these monies to them. Who are they? Why am I speaking with you and not them? Why havent I received any documentation of this said bill? My address most certainly has to be known since this 3rd party company has accessed my credit report so why wasnt any documentation sent? XXXX even went as far as saying that the company told her that they will take a portion of the amount and dismiss the rest what company? Who? Am I supposed to take your word for it?
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35020	Web
The Fair Credit Reporting Act requires that the credit reporting agency report accurate information. National Credit XXXX has me in collections for two accounts. Original collectors reported as XXXX XXXX for {$560.00} and XXXX XXXX {$610.00}. I am reporting both for predatory lending targeting a certain economic group and using unlawful practices for monetary gain. This is a violation of my rights under the Fair Credit Reporting Act Title 15 us code 1663 Advertising of open end Credit plans. 15 US Code 1691 D2 Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. 15 US Code 1692 A Abusive Practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices contribute to the number of personal bankruptcies, marital instability, to the loss of jobs, and to invasions of individual privacy.
07/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DE 19720	Web	Servicemember
On XX/XX/XXXX NATIONAL CREDIT AUDIT CORPORATION ( NCAC ) / FIRST ADVANTAGE ( FADV ), Has been contacting me via email, postal mail, and phone calls claiming I owe them a debt of {$1200.00}, also they sent me another notice on XX/XX/XXXX saying I can just pay {$750.00} to settle the debt for a one time payment. This company has been violating my ( FDCPA ) rights 15 USC 1692g ( B ) to be exact ; Since XXXX when I first disputed the debt they never reported to the 3 credit bureaus that the debt was being disputed they also didn't cease collection. Most importantly they never Validated the debt. This company have been hurting my credit worthiness for too many years now along with XXXX for not doing a thorough investigation to see if the debt was Valid or Accurate. I disputed the debt in XXXX and its XXXX, they are Willfully violating my rights as a consumer 15 USC 1692g ( B ) and 15 USC 1692e ( 2A ).
08/27/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21044	Web
XXXX has been on constant attack of my sister and I and the property management company they are supposedly in contact with claimed that our final bill was accurate ... In which is invalid due to the fact that the while my sister and I'm lived in our old community they had 3 changes of property management company and office personal changes even more often.. the property management company that we informed them to discuss the charges we refuse to pay with elemental because it's from when they were in charge ... When we moved it it was home properties And then sold to elemental then sold 2 days before my sister and I moved out to XXXX properties who are the same property management company that we currently live at. With all that being said we feel as if this XXXX is harassing us and the property team is discriminating and so disrespectful my sister and I felt like we weren't safe living here
06/14/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 78666	Web
On XX/XX/2022 and XX/XX/2022 I called the National credit audit CO. And spoke to XXXX XXXX time, she was extremely rude and disrespectful towards me. When I asked for a manager she put me on a hold for 5 minutes and came back and said " no manager is there to talk to me ''. She was mildly rude to me when I was talking about my debt collection. When I asked when will a manager be in she said " I don't know they could be here or they might be on break '' when I called right when they opened. I then had a friend call and ask for a manager to see if she would treat them different and XXXX answered and wouldn't transfer the call to anyone. I have been trying to speak to someone else and she will not transfer me.I have also asked for documentation of my collection and she will not send it, I have also asked for a settlement agreement statement and she refused to send me one in writing.
02/09/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34741	Web	Servicemember
Back in Mid XX/XX/2014 I lived at XXXX XXXX XXXX. I ended up breaking my lease with the apartment and i moved out the country to live with my younger siblings because our mother suddenly XXXX. ( XXXX from XXXX suddenly ) I spoke with the apartment complex about my situation and they told me once they can get someone to move in my apartment when i move out everything would be fine, and someone did move into my apartment ... .so i shouldn't be penalize for breaking my lease ... .I was unaware of these chargers, I was only made aware of these charges 4 years later now that im trying to fix my credit score. I reached out to the collectors and they dont ever answer thephone nor return my calls ... ..I did get in touch with someone and they was rude and unhelpful. They are saying that the amount i owe is {$2200.00}, I dont how they came up with that number but thats not possible.
09/26/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 770XX	Web
I am writing to file a complaint on Agent XXXX XXXX with National Credit Audit Corporation. She has wrongfully filed a debt on my rental history solely out of spite of me not paying her a debt that is incorrect. XXXX tried to force me to pay a {$6000.00} debt was wrongfully reported and once I told her Id rather file a dispute, she cursed me out and called me out of my name. She acted in a very unprofessional and unlawful manner and I do not feel comfortable with her having access to misuse my personal information. I am requesting the wrongfully reported debt be removed or transferred to a delivery debt collector until I am able to come to a resolution. XXXX threatened my livelihood by wrongfully reporting a debt instead of helping come to a solution to the issue at hand. She is misusing her position as a debt collection agent and should be closely monitored or terminated.
01/21/2023	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33068	Web
I was illegally evicted from XXXX XXXX XXXX on XXXX. The apartment was deemed Unlivable by a mold specialist. I moved out of the apartment the end of XXXX. There was a discrepancy in regards paying the rent for that month. I never received my security deposit of {$2400.00} which would have covered XXXX and XXXX which was alleged. After the court date the judge ruled that no monetary value was owed due to my security deposit. XXXX I received a threatening notice from a debt collector. The company claimed that I owe {$4200.00}. The notice demanded payment or this amount would be added to my consumer report. This company sent me an email at a very inconvenient time and demanded payment for an erroneous amount. This email has caused me a great deal of stress. I am currently looking for a new home but the pressure placed on me by this company is taking a toll on my XXXX XXXX.
10/06/2017	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ XXXXX	Web	Servicemember
Since XX/XX/XXXX, the staff at XXXX XXXX XXXX stole from me. Because they had key access, they would enter my apartment and steal documents, contracts, files, personal information, medications, medical records, food, shoe trees, shoe bags, and antique coins. In AXX/XX/XXXX, I refused to renew the lease. XXXX, the property manager and XXXX XXXX, the property owner charged me with a secret, negative credit report through XXXX XXXX XXXX. A secret, negative credit report owes no explanation. No attorney nor district attorney would accept the case. XX/XX/XXXX, I moved out of XXXX XXXX XXXX. I was not allowed to witness or be present during my apartment 's final inspection with XXXX and XXXX XXXX. Consequently, my security deposit was n't refunded and the National Credit Audit Corporation was hired to negatively impact my credit score and collect {$86.00}.
08/20/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	MD 20748	Web
I moved onto XXXX XXXX apartments on XX/XX/2019. During my experience living there have been most terrible. They charge huge amounts for utilities. They was a constant smell of weed in all over my apartment and the washing machine and dryer was broken way before I moved there. They also had a rodent problem and XXXX problem that I had addressed to to them and they did not care. I decided in mid- XXXX that I was moving out. I let them know the date when I was going to return the keys. I moved out XX/XX/XXXX and returned the keys on the XXXX. A month after I moved I received a bill from XXXX about an unpaid balance of rent for XXXX ( {$120.00} ) as well as repair fees, ( {$410.00} ) lost key ( which fits one door lock ) ( {$25.00} ) and a break lease fee. ( {$2500.00} ) I am deeply upset and I am asking that this need to be removed from my credit report.
09/18/2017	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75217	Web
On the XX/XX/XXXX I received a letter from NCAC ( debt collection ) agency regarding the outstanding debt of {$2500.00}. On the XX/XX/XXXX I emailed the representative to advise this amount is disputed between their client and myself due to multiple issues and provided an unanswered letter to their client. The NCAC representative said they spoke to their client and have made the " final decision '' that I am still liable for {$2500.00} ( without providing a statement or validation of debt prior ) and will have my credit rating negatively affected if this payment is not made. The outstanding debt is in dispute due to violations made by the XXXX XXXX and myself. They made several changes that affected my stay in the apartment and caused damages to my property. NCAC is not a court of law to make decisions on disputes between two parties.
05/17/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33173	Web
I have been receiving collection letters since mid XXXX XXXX from National Credit Audit Corporation XXXX XXXX XXXX XXXX TX XXXX XXXX Permit # XXXX about a debt that is too old. This debt was incurred in XXXX XXXX in XXXX, Florida ( original creditor XXXX XXXX XXXX XXXX ). I have sent a certified letter explaining that I am protected by Florida statutes since they failed to contact me within XXXX years of the XXXX payment XXXX XXXX XXXX XXXX. I am currently receiving the debt collection letters and phone calls. I have disputed the account to XXXX but the account is open with status details that the account is scheduled to continue on record until XXXX XXXX. The same account was reported to XXXX or XXXX under XXXX for the same amount. Please advise the steps I need to take to protect myself so they do not try to collect a debt in the future.
03/21/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77015	Web
I once stayed in XXXX XXXX XXXX XXXX Apartments in XXXX XXXX, Texas. After I informed the apartment manager that I was moving out due to crime in the area and apartment complex. I gave them a written notice that I was moving out. The apartment complex was going up for sale to a new owner and the tenants were given a chance to move out based on the crime and things that took place in the complex. I took them up on the offer that I wouldn't be responsible for the remaining balance due to the sale of the complex. After moving out of the complex I got a bill from a collection company. Everything I owe was put on the loan of the sale of the complex and the complex is not trying to collect any funds. So, I don't know why I have this collection company calling me.I like to provide my credit report to show that they are on my credit report.
04/06/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75052	Web	Servicemember
I went through an eviction with an apartment complex in 2014 and was told in court that the amount owed was {$2700.00} plus 5 % interest. But a few weeks after I vacated the premises I received a letter stating that I owe {$8200.00}. When questioned where did the additional {$5000.00} come from, I was told that it was for the eviction process. I asked for proof stating that I owed the additional amount and I was never given it until a full year later when I contacted the collection agency handling this case. I informed both the collection agency and the apartment complex that this amount was incorrect and being reported on my credit report. I was given a ledger which lists the debt but it was very confusing to me and the collections agency advised that they would send a dispute letter but never did.
12/10/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD XXXXX	Web
On the XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX claiming to represent a company called XXXX XXXX. My only connection with this company was XX/XX/2017 when I paid them a security deposit of {$170.00} as required by the " XXXX XXXX XXXX '' apartment complex for the apartment XXXX on XXXX XXXX XXXX. I fullfilled my one year lease and terminated it my lease directly after the end of the year. I was already in living in Maryland and received a call from the XXXX XXXX XXXX manager about submitting my proof of lease insurance. I verified with them that I was no longer a resident of the property and turned in keys and fobs to the management. They said they were going to correct their files and apologized for their error. Now in XX/XX/XXXX, I am receiving this notice out of nowhere.
12/10/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD XXXXX	Web
On the XXXX of XXXX, I received a letter from the XXXX XXXX XXXX XXXX claiming to represent a company called XXXX XXXX. My only connection with this company was XX/XX/2017 when I paid them a security deposit of {$170.00} as required by the " XXXX on XXXX '' apartment complex for the apartment XXXX on XXXX XXXX XXXX. I fullfilled my one year lease and terminated it my lease directly after the end of the year. I was already in living in Maryland and received a call from the XXXX on XXXX manager about submitting my proof of lease insurance. I verified with them that I was no longer a resident of the property and turned in keys and fobs to the management. They said they were going to correct their files and apologized for their error. Now in XXXX, I am receiving this notice out of nowhere.
11/22/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60649	Web
I have previously attempted to have this agency cease and desist and they refuse to do so. The damages they are alleging were not done by me. I have requested proof on multiple occasions. Also, within the City of XXXX a landlord is required to send a statement regarding charges within 30 days of moving, or no debt can be charged to a tenant. I have requested proof of this statement being sent including but not limited to tracking information, certified letter, etc and have received no proof regarding. The management company that sold this debt to NCAC is no longer in business due to these illegal practices. I have submitted NCAC with photographic proof of no damages and have requested photos regarding the said damage, receipts for cost of repair, etc and have received nothing regarding.
11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 081XX	Web
I AM NOT LIABLE FOR THIS DEBT WITH XXXXXXXX XXXX XXXX XXXX AND I DO NOT HAVE A CONTRACT WITH NATIONAL CREDIT AUDIT CORP. THIS IS A FALSE ACCOUNT. # XXXX DATE OPENED : XX/XX/2021 AMOUNT {$10000.00}. I HAVE ALREADY ASKED FOR A PROPER INVESTIGATION AND HAVE NOT RECIEVED XXXX. NEITHER COMPANY HAS VALIDATED THE DEBT. NEITHER COMPANY HAS SENT DOCUMENTS CONTAINING MY WET SIGNATURE PROVING I OWE THIS ALLEDGED DEBT. I DID NOT CONSENT OR AUTHORIZE NCAC TO OBTAIN MY INFORMATION AND CONTACT ME. THEY HAVE BEEN ADDING NEGATIVE MARKS TO MY CREDIT REPORT WITHOUT MY CONSENT AND REFUSING TO REMOVE THE MARK. ANYTHING DONE ABOUT ME THE NATURAL PERSON WITHOUT MY CONSENT IS IDENITY THEFT. AT THIS POINT THEY ARENT SEEKING TO AVOID LITIGATION, AFTER CLEARLY BREAKING FCRA LAWS. IAM SEEKING LITIGATION AS OF NOW
03/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32207	Web
In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15. U.S.C 16881 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692. XXXX Account XXXX XXXX {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX {$680.00} NAT CRED AUD ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX {$1900.00} my remedy to this is for these accounts to be removed from all credit reporting agencies.
07/13/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75044	Web
XXXX XXXX reported this debt to NCAC XX/XX/XXXX- they keep saying that the debt is verified but it is not. First of all i did not stay in XXXX XXXX XX/XX/XXXX but, they are charging me rent for that month XXXX. They are stating in all I owe them XXXX and I do not. This man at this agency is very rude and he had no intention on finding out the truth. He just wants the money he is a local collector and he is a fraud. Last time I spoke to him he yelled and scream - I started back communicating with the company XX/XX/XXXX. I sent receipts, he stated that they receipts were already applied. That is not true and to be honest I do not think they checked. Its beneficial for him to get the money not to help the consumer. He was willing to settle for half but not willing to do the research.
05/18/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 212XX	Web
I have mad e 3 attem pts to rectify this account with this debt collector. No matter how much sense it makes they just continually say the same thing. My first problem is my lease was broken by 2 weeks n ot 4 months. The lease dates are not correct. The lease they provided me was not dated by me or the resident agent because I opted not to renew the lease. Also there are previous charges of almost {$3000.00} but they failed to provide a printout for what those charges were for.They have to early termination charges of {$1700.00} one states Pre-Term the other says Lack of Notic e which is the exact same thing worded differently, also in the contract there is not a clause presented in reference to early termination fees. The amount they are saying I owe is utterly ridiculous.
02/17/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76107	Web
XXXX is an absolutely outrageous company to deal with. Their customer service is rude and their process is extremely slow. XXXX is the only agency that is reporting such inaccurate information. I've disrupted before and they ignored with an automatic response. I've sent a letter, they claim they didn't get the letters. I've sent a letter to there executives, they go in a put on the file that they are " reinvestigating '' when they never " investigated '' in the first place. My letter to them was to serve as a formal notice of my intent to file a complaint with the FTC, due to your disregard of the law. XXXX claimed to have somehow verified the items I requested. Therefore, I legally requested a description of the procedures used to verify the information. I was ignored.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 01843	Web
National Credit Audit Corporation has knowingly and willingly allowed false reporting after several attempts to have the information review by just responding verified and not actually verifying the debt at all, this is a violation of the FCRA guaranteeing 100 % accurate reporting and neglecting its responsibilities to investigate I has had many hardship due to the choice made by XXXX XXXX who was my collection account specialist she treated me as if I was lying to her very rude and there will be a lawsuit following due to this account being reported in Error and not addressed by call the original creditor and verifying this {$1400.00} debt I had to remain homeless for some time because of this debt its being deleted but this company need to have some for of accountability.
10/24/2018	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 330XX	Web
On XX/XX/XXXX XXXX a crime was committed inside my apartment at XXXX XXXX XXXX XXXX XXXX. Through court order for the safety of me and my baby the judge granted that the lease can be broken. I security deposit totally XXXX was given to XXXX on XX/XX/2014. Rent was XXXX enough to cover 2 months rent. XXXX XXXX maintence men enter my apartment while i was at work robbing me for many of my personal belongings. Not only i was physically abused prior i had to experience getting unlawful eviction through XXXX XXXX .. On XX/XX/2014 My babsitter called me at work because she was taking my son to the park stating the locks was changed and she is locked out. I to call locksmith upon getting in the maintence men had tstole all of my electronics computers, personal items, shoes etc.
08/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20878	Web
XXXX XXXX XXXX XXXX is reporting a debt in the amount of {$2900.00} and with an opening date of XX/XX/XXXX in the state of pennsylvania. The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ). XXXX XXXX XXXX XXXX does not have legal right to attempt to collect this alleged debt. In addition, this collection was closed and removed from my XXXX Credit report dated XXXX, XXXX, XXXX. The creditor, XXXX XXXX XXXX XXXX, reinserted the collection item, reported as of XXXX XXXX. XXXX is required by the Fair Credit Reporting Act ( FCRA ) to notify me in writing within 5 business days of re-inserting a previously deleted item, FCRA 611 ( 15 U.S.C. 1681I ).
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 295XX	Web
I have disputed the Collections accounts that appear on my consumer report. All these debts have been charged off, and written off on their taxes which has now become taxable income for me. The Creditors then sold the debts to collections agencies who are now trying to collect from me, which is illegal and each of these companies are now in Violation of the FCRA. I have made several attempts to have these derogatory marks removed from my consumer report, to no avail. Not to mention the fact that two of these collection agencies are not even licensed to do business in my state. ( ~National Credit Aud/First Advantage and~XXXX XXXX XXXX XXXX XXXX I am only asking that you uphold consumer law and hold these companies accountable for their actions.
09/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21214	Web
I recently moved out of XXXX XXXX Apartments owned and managed by XXXX XXXX in XXXX, Delaware. My deposit has been held due to improper accounting and the local office, charged with clarifying any complaints, has yet to act to correct this claim with the corporate office. I have receive no communication from the corporate office after numerous attempts to rectify the situation. Instead, I have been issued a collection request from National Credit Audit Corporation. I have scans of my original lease documents and the money orders used to zero any balance remaining on my account. The local office claims they have no record of the money orders, although I have emailed them the scanned copies of the receipt I received in person.
01/01/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX XXXXX	Web
I have repeatedly advised this company that this was a debt I did not incur, sign for and had no knowledge of until I pulled my credit bureau report and saw that there was a lease broken in my name. I have filed a police report, as I was asked to do and this has been XXXX. I have lived in XXXX texas since I moved to Texas XX/XX/2005. XXXX XXXX along with National Credit Audit Corporation have given me XXXX and they will not provide me with any info even though they advised me they have a copy of my driver 's license, social security card and " my signature. '' I have not ever lived in XXXX and have never signed for anyone. I had live at XXXX formerly XXXX XXXX for over 7 years. This process has been tedious and a nighmare.
11/21/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	VA 243XX	Web
Apartment complex automatically renewed lease after having written them to close lease at the end of original terms. The complex never did so, a few months later I received a letter from a dept collector in an attempt to collect this debt that I was not away of. Since I had wrote the originator of this debt telling them I would not be renewing. I then wrote the collection agency request ion information of verification of the debt, however I never received any information back from the collection agency. I have never received any calls or attempts to colllect this, so I thought the matter was closed until I saw it on my credit report. Now, it shows on XXXX different credit reports under XXXX different names.
10/19/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
Still a ridiclous situation with this collection company ; The original company which debt is from never EVER had the intention to send this to collections ; It was supposed to be removed as it the entire situation was mediated by a lawyer with the original management company of the property. I would like for this to be immediately removed as I am no longer responsible for this debt. Company claimed that " Mr. XXXX abandoned the unit XX/XX/2014, resulting in unpaid rent and lease termination penalties '' however the unit was never abandoned, and all of this was handled out of the management companies main office who oversaw the property. Thank you for doing the right thing.
02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75241	Web
I am a federally protected consumer, looking to resolve a matter in good faith. I am here with new evidence of this company not following regulatory obligations. As of XX/XX/2022 I am showing that National Credit Audit is still in violation of my rights by reporting derogatory, unfair, and inaccurate information. I am aware that National Credit Audit is a debt buyer, however, I have never gave them permission directly to furnish anything to my consumer report. I am also aware that history and transactions between a creditor and consumer are to be excluded from consumer reports and this company is furnishing transactional history between a creditor and I. This company is a XXXX
07/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 75248	Web
Debt was discharged via XXXX XXXX bankruptcy on XX/XX/2022. Collector was notified via bankruptcy court at the inception of filing. Collector refused to update status of debt during bankruptcy proceedings. Collector continued to collect on debt which violate FDCPA laws. Collector stated debt status as valid although they were made aware of bankruptcy status during and after discharge. Debt has now been discharged due to bankruptcy and debt is still be validated as owed and in open status ; although I have performed numerous direct disputes through XXXX and XXXX. Debtor has been provided bankruptcy information and it is also public record for anyone to view and pull.
01/21/2023	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
Collection agency is reporting the incorrect amount on my credit report. I have sent numerous letters requesting for debt to be removed from my credit report as it is inaccurate. I as well along with these request have sent over copies of the correct balance from the original creditor, yet the debt collection agency refuses to remove the collection from my credit report and is actively pursing the invalid debit. The agency has failed to fulfill my request along with supply data displaying the incorrect amount such as charges. The debt amount listed on my credit report is for {$35000.00}. The amount listed on my final statement from the original creditor is {$9700.00}.
08/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 22630	Web
I am trying to settle a debt that I have no idea where it came from. The company said they cant offer me a lower amount and I dont have time to continue to play phone tag and keep trying to explain I was a victim of credit theft. I filed a police report and put a freeze on my social security number because of this and other stuff. This is attached to my social and my husbands social. Instead of debating with everyone, I just asked to settle the account. But paying over {$3000.00} is ridiculous when I dont even know what its for. The woman at the company was very nice but she said she had to follow policy and that was to only offer me 20 % off. That is insane.
05/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77566	Web
I am in the process of purchasing a home and when the lender pulled my credit this collection appeared with XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeared on my credit. There is NO MONEY OWED to this company. The lease expired and at no point was there any type of noticed received that money was owed at the time of move out. Once I was made aware of this I paid them even though I did not agree with what they were charging I still tried to do the right thing and pay it once I was finally made aware which by the way was 6 months later. This was actually some time ago and yet they report it on my credit file and showing that there is a balance due. THIS IS WRONG..
09/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33594	Web
My son lived with 2 other people on the same apartment. This was at XXXX XXXX apartments unit XXXX. XXXX NJ. After my son died on XX/XX/2017. I got notified by XXXX XXXX XXXX that I owed {$1000.00}. I have many copies of fraud used by my son or the other 2 in the apartment. Clearly my son and someone else forged and committed a crime by using my infomation. I ha e sent out numerous proof and nobody has respectfully responded. A big company like this always committs fraud. They need to be help accountable. Also when living at apartment XXXX. My son stole an XXXX and a gold watch as per XXXX. he went to jail shorly afterwards and XXXX because of a XXXX XXXX
05/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75204	Web
1 ) I have been in contact with XXXX XXXX XXXX XXXX ( XXXX ) and sometimes refer to themselves as First Advantage about a dispute I am having with their client who is placing a collection on my name. 2 ) I have then emailed the collection agency correspondence and shown evidence of now responses by their client about the dispute. Their client do not take calls or return emails. 3 ) XXXX have acknowledged the matter is in dispute however, have still placed the matter in collections and effected my credit rating. They claim unless their client allows them to remove my name from collection they will not be doing so regardless of the dispute.
07/14/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 61350	Web
XXXX XXXX apartments expects rent payments dating back to XXXX of the year 2021 in spite of the lease I signed expiring in XXXX of the year 2021. I have signed legal documents stating that I would not be renewing my lease with XXXX XXXX, and have not lived in the apartment for over eight months. I have contacted them on multiple occasions explaining this to no avail. My keys, parking passes, parking stickers and recreation center passes have been returned to XXXX XXXX apartments since the date of XX/XX/XXXX of the year 2021. XXXX XXXX has not contacted me in over three months, leading me to believe the financial charges were absolved.
12/03/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR XXXXX	Web
XXXX XXXX XXXX keeps trying to collect on a debt that I do not owe for XXXX XXXX. I have faxed them and other collection agencies that I do not owe a balance. They said they would call the agent for the apartment to verify that I do not owe a balance. However I went to the apartment complex and the agent says she does not know the agency nor why they are trying to collect money. I was denied rental of an apartment because of this on my credit file when it's not accurate. I have called them over and over again only to get the run around. I would like for it to be removed from my credit file permanently as Indo not owe the complex.
03/22/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 781XX	Web
There is a debt collection company by the name of XXXX on my credit report. I have been in contact with them and the bureaus in an attempt to find out what this collection was for. All I can find out was that its fro a apartment that I did live at, XXXX XXXX, but I did not break my lease or leave the apartment in a mess. However when I originally signed the lease I requested that the carpet be replaced as it was dingy and had balled spots. Now I believe that they are trying to back charge me the {$500.00} for the upkeep of there complex. If I would have known they were going to back charge me I would have never moved in.
11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29730	Web
On XX/XX/2018 creditor ( National Credit Audit Corp ) added a derogatory remark to my XXXX profile per XXXX XXXX. Upon further research, this account was a transfer/sold and i am no longer responsible for this account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( National Credit Audit Corp ) has validated my rights as a consumer and I am request legal actions to remove this account IMMEDIATLY!
06/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 750XX	Web
I called XXXX and asked them for a copy of a lease agreement and an invoice or documentation stating what they said I " owed '' them. I found out on my credit report that I supposedly owed this apartment complex $ XXXX.The lady told me that they have been under new management since 2015 and she passed me over to another lady that explained to me that they do n't have me in their ledgers due to it being 7yrs ago and they would n't be able to give me any information about my lease agreement or charges and that I need to deal with the collection agency directly since they have the " debt '' and not the apartment complex.
11/23/2017	No	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	DC 20032	Web
XX/XX/2017 I called to the office the lady stated I owe a balance and I need to pay before she sue my XXXX she stated I will be homeless and will not be able to rent anywhere else .I stated I lost my job she said so what that 's not her problem and stated I do not get people like you .I stated I 'm trying .I called the apartment development to talk to the lady XXXX XXXX and she told me its nothing she can do because its already with collections you need to talk to them .I told her I did and national credit audit was rude. XXXX XXXX Said its nothing she can do.so its a collection of {$10000.00} on my credit report.
05/23/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 12550	Web
In XXXX I called to find out what was the collection for. Explained to them that they are reporting the same debt multiple times. That can the send me some information about the debt because I had no idea about. The lady to me that they arent taking it off until I pay they dont care if it illegally to report false information. Then a couple of weeks later they deleted to collections accounts but not the last 1. I called multiple times. I just would like to get this fixed. Because the reporting is damaging my credit and has been for years. I would like it all removed. Its causing a lot of problems with my credit.
11/17/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29485	Web	Servicemember
I have been contacting this company in efforts to solve a issue regarding a balance they say I allegedly owe. This company has not done proper investigation with the creditor that they are reporting for. I do n't owe anything to this company. The information they have is incorrect. I have disputed with the credit agency as well as contact the original creditor and they could n't even find the file. I have contacted the company by phone and the representatives there are really nasty. I have rights under Federal Credit Reporting Agency and upon this investigation I will take it further if my issue is not resolved.
09/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 081XX	Web
On XXXX XXXX9 National Credit Audit added a derogatory mark on my credit report per XXXX. Upon further research, this account, this account was transferred/sold and I am no longer responsible for the account. Debtor 's credit did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt all. A bill without a signature does not validate the debt and anybody can send a bill and say it is my bill. According to the FCRA, National Credit Audit has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
03/09/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77396	Web
National Credit Audit is reporting a collection account on my reports that I have reached out to them for directly. I tracked my dispute and it shows that it was delivered. However I have never received a response. It is my right as a consumer to dispute any and all inaccurate information from my credit reports. Per the FCRA in receipt of my dispute the consumer reporting agency must acknowledge and respond to my dispute claim. XXXXational Credit Audit is in violation of the law and my right as a consumer concerning this debt and I am requesting that this account is deleted from my reports now!
06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21234	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21225	Web
I have repeatedly asked to have my credit report with company Ncac Since last year updated on XXXX, XXXX, XXXX to reflect the correct balance of debt settle for less than. The debt was settled for {$6000.00} and Balance is {$3500.00} Each credit reporting agency keeps reporting that the information is correct and have not giving me proof of their investigation. I have also asked Ncac to provide me proof that the have the right to collect this debt with no response. I am asking that all credit agency removed this debt of my credit report since the fail provide proof of their investigation.
03/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
I have been trying to dispute this account for quite sometime. It was opened back in XXXX, that was the same year I went through identity theft. It is now XXXX so now the account is XXXX years old and should be off of my credit report. Legally, I am no longer responsible for this account. I've sent so many dispute letters for this creditor and nothing has changed. This has been such a hassle for me. I have not been able to apply for a rental because of this. I've also dealt with two different companies to assist me with removing this item but nothing ever happens. Please assist.
11/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92651	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section XXXX23 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX XXXX XXXX Opened : XX/XX/2021 Balance Owed : {$7100.00}
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
The company XXXX collector ( a third party collection agency, with whom I have no business with or contract with ; are reporting inaccurate information on my name. Continuous calls at all hours of the day and evening are troubling and bothersome. In this regard they are also violating FDCPA laws and also violating FCRA Laws. I ask that this information be removed from all three of my credit reports and ALL communication be seized immediately. There are claims that there was pet damage to the unit, and I have never owned pet-and there was never a pet deposit made as well.
07/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 760XX	Web	Servicemember
XXXXXXXX XXXX/NCAC reported on behalf of XXXX a debt of XXXX which was paid in full and still showing up on my credit report. It was disputed with XXXX and has been removed from my wifes credit report but not mine. This debt was incurred due to co-signing for a rental property for my daughter XXXX with XXXX. The house was left cleaner than it was originally, the security deposit was kept by XXXX and they charged us XXXX which was paid in full. I have a security clearance with my employer and need this removed immediately. Thank you for your time and consideration.
06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28216	Web
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01843	Web
I have contacted all credit bureaus some have the wrong contact information number, this account is reporting on my credit with no credit history I have a XXXX credit report to prove this case. Also its charged off and still reporting a {$1400.00} balance this account is not mine Ive tried multiple time explaining this collection agency send a copy of a fraudulent signature they claim is mine and 2 otter people Please remove this based on inaccurate reporting to each credit bureaus. Also the Original Creditor has NO NAME this is not 100 % accurate reporting.
03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21207	Web
Good afternoon, I have sent multiple letters to XXXX, XXXX, and XXXX they are not complying with my dispute request. I sent a letter on XX/XX/2022 and XX/XX/2022. I still havent received any response or debt validation. The information they are reporting is incorrect and illegal. I have found information that the creditor and I will have to take to court. This is affecting my livelihood in a negative way and needs to be removed immediately. In Best Regards, XXXX XXXX My direct number is ( XXXX ) XXXX and my email is XXXX. Phone Mon-Fri XXXX EST
07/21/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19802	Web
THIS COMPANY USED ILLEGAL TACTICS TO COLLECT ON ALLEGED DEBT THAT I DO NOT OWE. THEY THREATENED ME NUMEROUS OF TIMES OVER THE PHONE. FURNISHED A COLLECTION ACCOUNT ON MY CONSUMER REPORT WITHOUT AUTHORIZATION OR VALIDATION. I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THIS ACCOUNT.BLOCK AND REMOVE IT FROM ALL CREDIT REPORTING AGENCIES. IM ALSO SEEKING REMEDY FOR THE BLATANT VIOLATIONS OF MY CONSUMER RIGHTS WITH NO REGUARD TO THE FEDERAL LAW. ACCORDING TO FCRA 605b THIS INFORMATION MUST BE BLOCKED IMMEDIATELY UNTIL THE INVESTIGATION IS OVER.
04/23/2018	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29316	Web	Servicemember
On XX/XX/2018 I received an email from XXXX XXXX XXXX XXXX claiming I owed them {$1400.00}. They have placed a collection on my credit report for that debt 5 years after I allegedly lived at this location. The company has sent me several emails that attempt to make me settle or continue to have my credit score impacted. I informed them I am disputing this debt and make no claim that this debt belongs to me. They refuse to remove this debt from my credit profile in an attempt to collect this debt that I have made clear that I DO NOT OWE.
09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75088	Web
inquiry XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX unauthorized individual gains access to my personal information, such as Social Security number and driver license, and uses it to open fraudulent accounts and also make unauthorized purchases., my credit report show unfamiliar credit inquiries, accounts, or outstanding debts that i did not initiate. list of unauthorized account i did not initiate are give any permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OAG CHILD SU
08/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19320	Web
I have disputed this account with NATIONAL CREDIT AUDIT CO many times and I have never heard from them! NATIONAL CREDIT AUDIT CO is flagrantly violating the FDCPA! I am entitled to documentation of debt, 30 days from the date of the request, or it is not properly validated. Since I have not received any of the validation that I have requested, but the credit bureaus have verified the account, I would love to see that documentation! The FDCPA and FCRA are quite clear, I am entitled to the same information that the credit bureaus are!
02/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38016	Web
I've been dealing with NCAC for nearly a year. They are HORRIBLE. They have to yet to send valid verification that I owe this alleged debt. They are claiming that I owe {$760.00} to XXXX XXXX XXXX. The only thing that they've sent is a copy of my leasing agreement. This only shows the amount that was obligated to pay during the term of my lease. There's no proof that I didn't pay. I fulfilled my lease and didn't miss ANY payments. I DON'T OWE ANYTHING! There is no proof that I didn't pay everything that I was supposed to.
01/14/2020	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38016	Web
On XX/XX/XXXX, of 2019 I mailed a letter to National Credit Audit Corporation in regards to them trying to collect {$760.00} that I allegedly owe to XXXX XXXX XXXX. I do not owe this amount to XXXX XXXX XXXX. I asked them to provide documentation that proves that I owe {$760.00} to XXXX XXXX XXXX and they were unable to. They mailed a description of charges and amounts but nothing the proves that I owed this amount amount at the conclusion of my lease. This company is horrible and has not attempted to resolve this issue.
03/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38016	Web
I have been trying to get this horrible company to remove this erroneous collection from my credit profile for over a year. They claim I owe {$760.00} to XXXX XXXX XXXX. This is a lie. The company responds to CFPB stating that they respond directly to me. They only respond with my original lease agreement. There is NO PROOF that I did not fulfill my contractual obligation, in which I did! In case the company CLAIMS they can't identify me again : My name is XXXX XXXX XXXX. Last 4 of my social is XXXX. File # XXXX
03/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TN 38016	Web
It seems as if me having to file complaints against this horrendous company is becoming a common and reoccurring theme. This company has yet to present any proof that I didn't fulfill my contractual obligation. They only present what is ALLEGED that I owe but have yet to show that I did not fulfill my contractual obligation. They only go by what is alleged. It looks to me that it's my word against theirs. But I'm basically guilty until proven innocent when it should be the other way around. Horrible.
06/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19901	Web
NCAC Has placed a debt on my credit report of XXXX. I have never lived at this address, I do not know the person that it states I am on the account with and the address never appears on my credit reports. XXXX will not let me dispute this again, i keep trying to have it removed from my credit report and would like this addressed. The other name listed on the debt, I have never met this person and have lived in another state for the entire length of time that this debt is claimed to have been mine.
08/27/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 136XX	Web	Servicemember
I used to live in XXXX of XXXX XXXX apartment at XXXX, NJ with my friend since XXXX XXXX to XXXX XXXX and joint the XXXX, but before I left I went to talk to the manager to remove my name and everything from that apartment. She did everything and I also signed all the paper, so my friend only live in that apartment. Then now as XXXX XXXX XXXX I have collection debt as {$2200.00} from nowhere. How do I left the apartment without any debt and now after 2 years I 'm having one. I always pay my rent ...
04/19/2021	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	VA 228XX	Web
National credit audit corporation XXXX XXXX Tx XXXX Has placed a collection on my credit report for the sum of {$2900.00} this debt is not mine and this is an error placed on My credit report I have disputed this account with all three major credit bureaus XXXX and XXXX have removed it but it remain on my XXXX credit report. I have also reached out to national credit audit corporation with two letters explaining this that is not mine they continue to send me letters with a computer signature
04/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20904	Web
Company Reported Debt in 2022 Which I did not Live at the property. This is a third party company reporting on my credit report and I do not have signed documents with this company. I check my credit report regularly to see what my score is. I had a XXXX and starting a new journey this inaccurate reporting is making the adjustment to find a place to live harder because it is not mines. I would love for this matter to be resolved so I can provide a roof over my families head.
10/31/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 333XX	Web
I have been trying to contact this company for 2 years now and they have not responded. They reported a collection on my credit but failed to notify me of the debt. When I found out about the debt via checking my credit report and disputing it through the XXXX major agencies I never received a verification of debt or any proof that the debt was actually owed. They have failed to follow the Florida Statue and took an account without verified action that debt was actually due.
07/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21239	Web
I need help, there is a collection company NCAC trying to collect a debt that was included in my bankruptcy and listing on my credit file that I owe. Requesting payment and stating they will remove. They are even texting me which I never authorized to send me text messages. I feel this company is violating my rights. Please help I have disputed this and no outcome just collection text messages and false listing on my credit file. Do I need to contact a legal firm for help?
04/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	VA 23601	Web	Servicemember
discrepanciesI 've noticed an collection account on my XXXX report that I was never notified of. I was XXXX and was XXXX in XX/XX/2012. I recently seen this item on my credit report and disputed it as the debt was unknown to me the time. I received paperwork verifying the debt. The information include in the paperwork is inaccurate as well as never being notified of the debt. I have copies of XXXX and can also point out the discrepancies within the documentation sent.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85283	Web
This company National Credit Audit Corporation XXXX XXXX XXXX XXXX # XXXX ) has put a {$4600.00} on my credit report and refus to step off.I worte letter to dispute to all 3 credit agencies to take it off and they refused as well. The N.C.A.C. sented me some copies they got from XXXX XXXX XXXX with fake amount of bogus charges and trying to scam me out of {$4600.00}. With this on my credit report it put a hardship on my credit being damage until I get this resolve.
06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	DE 19720	Web
I HAVE BEEN DISPUTING A ACCOUNT WITH XXXX SINCE XX/XX/2021. XXXX REFUSED TO CONDUCT A INVESTIGATION AND KEEPS SAYING THE ACCOUNT IS VERIFIED. I HAVE FILED A COMPLAINT WITH THE XXXX AND THEY HAVE NOT RECEIVED A RESPOND FROM THE COLLECTION COMPANY. I HAVE SENT LETTER OF VALIDATION FOR THIS ACCOUNT AND HAVE NOT RECEIVED ANY RESPONSE BACK. THIS ACCOUNT HAS BEEN DELETED FROM XXXXXXXX AND XXXX DUE TO NOT BEING ABLE TO VERIFY. HOW IS IT THAT XXXX IS ABLE TO " VERIFY ''.
03/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77070	Web
I resided at XXXX from XXXX ( see attached ), and I had a move out balance of {$110.00}. The apartment collection agency ( XXXX ) posted this on my credit report TWICE. The balance has been paid to XXXX since XXXX XXXX, XX/XX/XXXX ( see attached ), however it is still showing up on all credit bureau as a DEBT and as a DUPLICATE. The collection agency is giving me the run around and it has affected me tremendously, and I need this debt to be removed IMMEDIATELY!
10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19355	Web
I'm NOT liable for this dept with XXXX XXXX PA ( XXXX XXXX ), I do NOT have a contract with NATIONAL CREDIT AUDIT CO, no paper work signed, no agreement for any amount of payment has historical value or legitimacy, also there has not ever been a COPY of the original contract as requested to prove my debt, as this DEBT with XXXXXXXX XXXX is a charge off, therefore the account is closed and has been sold to a collection agency NATIONAL CREDIT AUDIT CO.
08/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75204	Web
ON XX/XX/21, XX/XX/21 and XX/XX/21 I have made several attempts and reached out to the reporting companies regarding s allege debt. I have mailed certified dispute letters in an attempt to validate this account with the creditor and verified with the reporting credit Bureaus and no one has provided me with any documentation to verify this debt. XXXX have send several automated-generated responses and XXXX and XXXX has completed ignored my requests.
06/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 080XX	Web
A collection account that i do not recognize and do not believe is mine is currently being reported on my credit well past the statue of limitations. National Credit Audit is reporting a collection that started in XXXX. 6 years is the time frame. I believe this was previously removed from my credit and as of XX/XX/XXXX they have put it back on. Once its deleted it can not be reported. I never received any documentation about this debt as well.
04/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	PA 193XX	Web
I have notify this collection agency that the debt in question was manufactured my the original creditor and that I am not responsible for the charges. That if they have a case, they should go to court. They would not go to court, but keep on calling me about a debt which I have disputed and have asked them to keep all communications in writing. They went ahead to report this debt to credit agency even though the account remain disputed
03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 752XX	Web	Servicemember
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights acct # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76012	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
11/19/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77086	Web
I was a victim of identity theft and noticed a collection from NCAC I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against NCAC in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 77584	Web
I spoke with XXXXXXXX XXXX and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to XXXX XXXX multiple times during 2021 requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than one account that is inaccurate. I still haven't had any help with information removed or no longer reporting.
08/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 24018	Web
I paid off my account in XXXX XXXX to National Credit Audit in XXXX of XXXX. I call to ask when my information would be updated. The person became rude and adjitated that I contacted them and told me because I did a settlement it takes a long time to update and is up to the credit agency 's to update my information. I have called and e-mailed for updates and no response. Account name under XXXX XXXX. My new name is XXXX XXXX.
11/13/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77090	Web
I informed National Credit Audit Corporation on two occasions that information reported by there company was incorrect. The amount listed and reports the credit bureaus are incorrect. NCAC responded in two letters on different dates stating The account was verified and is accurate. I received a final billing statement from the original creditor which list the correct amount owed. NCAC has refused to correct this information.
04/21/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77459	Web
Dear XXXX, I writing concerning this matter with this company I have explained the conditions of this account and made them aware of the detail concerning XXXX House Apartment a notice was given to the company in advance my rent was paid up in fuelled for the month that I live at XXXX House. I moved because the apartment was no long safe for me to live there. This company attempt to collect a debt that is not own to them.
01/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 705XX	Web	Servicemember
I called on XXXXXXXX at approximately XXXX XXXX XXXX XXXX and spoke to some XXXX lady so I call back and ask for management and the lady told me theres no one to transfer to and that they would tell me the same thing and hung up on me if you are someone collecting a debt you definitely want be hanging up on anyone. Just rude I want more info before paying this unprofessional company. With only XXXX person to speak to.
01/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46208	Web
This Company never made me aware that this apartment lease was being put under my Name since I never lived there but my Siblings even though I was there when they were signing and I was under the impression that I was just used as contact reference. Now there is a {$4000.00} opened status balance on my credit as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Type : Derogatory Original Creator Name : XXXX XXXX
05/11/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34744	Web
{$1500.00} - Original Creditor : XXXX XXXX, Currently Held By : XXXX XXXX XXXX XXXX, Opened ON:XXXX - Joint Account. The lease was not supposed to be under my name, I was staying with a friend for a month and had to fill out paperwork stating that I would be there for a month. When I contacted the company I was informed that the most that could be done was take it off my credit if I paid half the debt.
07/12/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 704XX	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 77019	Web
In 2020 the Cares act protected us from eviction due to Covid. The apartments that i was living in at the time called XXXXXXXX XXXX XXXX still locked me out and evicted me through that and since they filed an eviction, i am now dealing with the negative report on my credit. I have disputed it but now i have been homeless for a while and the eviction is making it impossible to find somewhere.
10/19/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 75092	Web	Servicemember
The Facts : 1 ) Regarding debt NCAC i.e. XXXX XXXX paid XXXX/XXXX/2015 in the amount of {$370.00} 2 ) Request for item to be removed from wife 's file was successful. Received confirmation letter from XXXX. The Issue now : per XXXX - NCAC must do request process for husband for item to be removed from his file. Requesting NCAC submit request to remove item from husband 's file. Thanks,
05/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 774XX	Web
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against NCAC for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
02/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20878	Web
I received a collection account on my credit report from XXXX XXXX XXXX XXXX in the amount of {$2900.00}. This debt does not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX has not provided proof of the debt. I ask that XXXX XXXX XXXX XXXX validate ownership of the debt account and remove the collection account for my credit report.
06/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20020	Web
This account was surrendered under the property of another agency during the Covid-19 crisis in Maryland in which I have no legal right to this debt that has taken place on my account. I do not have the dates, but it was added to my credit in XXXX of XXXX and I know that it was a XXXX debt that has been not taken off my account, but sent to a collection agency as a faulty account.
09/21/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	AZ 85212	Web
This is in regards to a collection account with National credit audit Corporation. This collection agency is attempting to charge me for a debt I should not owe. The original creditor was XXXX which I have a court ordered judgment for owed debt. I would provide pictures of. I have reached out to XXXX and XXXX to have this debts removed from my consumer report and they have not.
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 21043	Web
I have reviewed a copy of my credit report and I show company NATIONAL CREDIT AUDIT ( Original Creditor : XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
04/25/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 741XX	Web
XXXX at XXXX XXXX XXXX XXXX , TX XXXX has failed to validate a debt that was discharged in court prior to reporting to credit bureaus. After I noticed this on my reports, I filed a dispute again. They still failed to validate and continued calling me after repeated cease and desists were sent to them. This company failed to report a phone number on my credit bureau.
03/30/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	MD 21117	Web
Creditor Information amount {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX is acting as if they are the police in Maryland on filing a police report in which maryland only allows for fraud to be filed online. the maryland police department does not come to make a report for my type of case its only online
03/04/2022	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77054	Web
My credit score dropped 20 points recently and I did not know why. I pulled my most current credit report and found " National Credit Audit Corp '' from something from XXXX. It was reported XX/XX/XXXX but stated it was assigned XX/XX/XXXX. The creditor class states 'rental/lease ''. I do not know what this is about and why is this suddenly popping up five years later.
07/17/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 70360	Web
On XXXX / XXXX /17 I have tried to send a dispute letter to NCAC to the address which was on my credit profile which is XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX for the amount of {$4300.00}. I have received the letter back stating undeliverable. They are reporting inaccurate and false information about me to the credit bureaus. I can send proof
12/02/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75238	Web	Servicemember
I tried disputing a collection account on my credit and asked for documents. The apartments XXXX XXXX XXXX is reporting to the credit bureau but I have no knowledge of the apartment nor have I ever lived there nor applied there. The collection states it was opened in XXXX I lived at a totally different address and did not move from the apartments until XXXX.
09/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75048	Web
I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2013 with a balance of {$2600.00}.
12/01/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19151	Web
I disputed this confined fraudulent collection debt of {$5500.00} to the XXXX XXXX of XXXX and XXXX to which it was reported on. ( XXXX removed the fraudulent collection debt which i will provide documents of ) when i took action but XXXX however is very unlike with their processing systems and creditors monitors for fraudulent alerts like this current debt.
04/16/2019	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD XXXXX	Web
XXXX XXXX XXXX has reported a collection account on my credit report for {$2500.00}. Prior to the account appearing on my report, I did not receive a notice of right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act. I filed another complaint against them back in XXXX, but I still have received no verification of debt.
01/04/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28262	Web
This is my formal complaint to this company for reporting inaccuracies on my credit report. I have already disputed this, asking for validation, and I still got no response from them. I want these accounts to be investigated, and I'm requesting the original purchase agreement signed by all parties involved that says this alleged debt is mine.
07/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20774	Web	Servicemember
This collection amount rereported by ( Original creditor ) : XXXX XXXX is fraudulent. I am being charged after my lease was legally terminated at the end of XX/XX/2018. This is not a loan nor back rent owed. No lease agreement with my authorization follows XX/XX/2018. This company files a false claim after I legally vacated the property.
11/10/2019	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	UNITED STATES MINOR OUTLYING ISLANDS 37209	Web
I checked my credit score and it was down, so i logged into my XXXX account. There was a pull on my credit from a company named resident data financial llc out of XXXX texas. The address on XXXX was XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I have attempted to call and contact online but they have no website and the phone number isnt valid
11/04/2019	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 751XX	Web
National Credit Audit company removed debt from credit report but it was added back and I have yet to receive any notices of how it was verified and why the debt was re-added {$2900.00}. The original creditor was unable to send verification. The complaint is that they are not providing the documentation used to verify this debt.
05/11/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85254	Web	Servicemember
I submitted a prior complaint, # XXXX and the response from the debt collector is not correct. I added more information yet you closed the complaint. I want you to follow up with them again with the following : Ask them only for this, a copy of their current contract with the original creditor. That is all I want you to do.
12/05/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78363	Web
This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. This needs to be removed immediately.
10/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	LA 70517	Web
I moved out of rental in XXXX on good terms and was given the all clear and turned in keys. I was later billed for issues that were preexisting before I moved in, during hurricane Laura the roof was ripped off and they are billing me for damages that were cause by the storm. I do not owe anything I left in good standing.
09/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89117	Web
Sent Letters requesting documentation to verify this information is mine and is correct on : First Letter on XX/XX/XXXX second letter on XX/XX/XXXX third letter on XX/XX/XXXX Received a letter from the Credit Bureaus XXXX XXXX and XXXX XXXX saying account has been verify but never received any supporting documentation.
08/19/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32068	Web
Filed a claim XX/XX/2022. Requested creditor to be removed off of rental history and all 3 credit reports. Still fraudingly reporting to all 3 credit reports. Remove ASAP off of my credit report. See case XXXX stated they illegally tried to collect $ XXXX in debt for rental lease that was not broken and verified
06/15/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web	Servicemember
I have had this debt collector on my credit report for 3 years and 9 months now. I have never even received a written letter or call about this debt. I don't recall ever owning anything to this company. On my credit report, it doesn't even give a number for this collection agency that supposedly has my debt.
11/19/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 752XX	Web
National Credit Audit is reporting false information to my credit report for XXXX XXXX since XX/XX/2017 for XXXX, XXXX and XXXX XXXX is reporting XXXX for XXXX XXXX XXXX. Both companies have failed to remove these items off my credit although I provided proof of identity theft police report.
04/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21234	Web
national XXXX XXXX has been reporting inaccurate information on my credit report. My identity was stolen and as a result, false inquiries, was made on my behalf. This account, is a brought debt, so the company doesnt own the debt.15 USC 1981 XXXX Numerous disputes were filed, with no results
01/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75241	Web
On XX/XX/2022 I sent a request for the debt validation for this company National Credit Audit in regards to the alleged debt, on XX/XX/2022 National Credit Audit sent back the debt validation by CFPB for someone with a name slightly similar to mine but not mine. Please review the attachments
12/29/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20770	Web
Ive sent out dispute letters, and debt validation letters, The debt holder is not able validate the correct debt amount and neither can the original debt holders, please remove this item from credit, also this debt is past the statue of limitations and should no longer be in collections
05/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48187	Web
The debt is a fraudulent attempt to collect money NOT owed. I was never deliquent on rent nor did I stay after move out day. There were also NO damages to the property and the complex refused to accurately investigate and claimed the staff changed and they did not have documents.
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77073	Web
Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. Is wrong Date opened XX/XX/XXXX Is wrong Adding information to my report with out my knowledge. I have no contact with this company I have tried to dispute this matter. I never receive the original contact information
09/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33016	Web
I found in my credit report a Collections : NATIONAL CREDIT AUDIT CO with this Account # XXXX and I don't recognize this company. I already try to find out and I wrote them, I attached here the proof. I send a Debt Validation letter in XXXX and I haven't received an answer yet.
11/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60402	Web
I have asked for a copy of an original contract and a completed XXXX form. I have not been supplied with either. In fact, in a response letter, they admitted that they do not have an original contract. I believe this account is a result of identity theft. Please see attached.
08/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01843	Web
Ive spent 7 months disputing this account based on it not being mine or error as stated, it has been very hard financially being denied for housing based on this data furnished to the credit agency. tem was deleted and claimed to be placed in error/ monetary relief.
03/02/2019	No	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	MD 21061	Web
XXXX XXXX XXXX trying to collect a debt of XXXX. And already reported me to the credit bureaus when in fact I do not owe anything from original Creditor XXXX XXXX XXXX. XXXX Report No. 1XXXX. Attached a copy of certificate of full payment from XXXX XXXX XXXX.
01/16/2019	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD XXXXX	Web
XXXX XXXX XXXX has reported a collection account on my credit report for {$2500.00}. Prior to the account appearing on my report, I did not receive a notice of right to dispute. This is a violation of my rights under the Fair Debt Collection Practices Act.
05/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	CA 95838	Web
I have been repeatedly harrassed by NCAC. I have had XXXX call with them, including XXXX today, to cease and desist their collection efforts. They continue to call me after I have instructed them not to do so. I want this action on their part to cease.
05/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 190XX	Web
I sent National Credit Audit a letter demanding that they validate an account that they are reporting to my credit. The letter they sent me fell very short of the documentation required by law, and what I am entitled to as a consumer. Please help me!
03/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38016	Web
Company asks " Send us proof that you have paid the debt and we will be more than happy to remove it from your credit once we have verified with the property that they did receive the payment. '' They should be showing proof that I owe this debt.
09/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 76063	Web	Servicemember
On or around XX/XX/2021 l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.
01/31/2024	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21234	Web
I have a charge on my credit report from a XXXX XXXX that was reported in XX/XX/2019 for the amount of {$2500.00}. The debt does not belong to me. The social security number on the profile doesnt match my official social security number.
07/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD XXXXX	Web
I am again disputing the following account with the company XXXX XXXX XXXXXXXX XXXX this is not my account I have included this account in my FTC as Fraud I am requesting your company to remove this account from reporting this FRAUD
06/30/2017	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77082	Web
I do not have no knowledge of account, I have sent them written disputes to remove this fraudulent debt but continue to report this on my credit report and severely damaging my credit status. I would like this permanently removed.
05/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21044	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
07/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85345	Web
Debt collection company : National Credit Audit Corporation Employee : XXXX XXXX I was told via. Email their client would not settle for less than 20 % of the total debt owed. But their websites states a 30 % Settlement offer.
07/24/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60586	Web
XXXX XXXX stated in original complaint response that a letter stating this account is non collectable and all collection activities were ceased. Letter has NOT been received. XXXX XXXX failed to mail letter as stated.
03/23/2020	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	NV 89106	Web
Contacted company as of XX/XX/2020 asked to receive original bill to verify this debt is mine. Company stated they do not have an original bill so how could this debt be mine? I would like to receive my original bill.
05/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77388	Web	Servicemember
I was in the service and went on medical leave and the place I was living at was informed and I should not owe anything to this company, now years later they are trying to collect. This is not right, I need some help.
09/24/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	AZ 85212	Web
The is a court ordered judgement from XXXX XXXX of debt owed to company XXXX apartments. National Credit Audit Corporation is attempting to charge me XXXX. They have not provided any documentation of said debt.
09/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30907	Web	Servicemember
I recently checked my credit report and saw that there was a fraudulent inquiry from FIRST ADVANTAGE/XXXX XXXX on XX/XX/2016. This company was not authorized to pull any information from my credit report.
12/12/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD XXXXX	Web
This collection copy reported a account that is not my responsible to a the credit bureau. I was a lease occupant and not a lease holder should I should not be responsible for the account.
09/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DE 19709	Web
Its not my debt I have been a victim of Identity theft, who ever it is has even tried filing taxes in my name and IRS confirmed and vindicated it was not me this has been going on since XXXX
07/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21212	Web
Failed To answer my Debt validation letter, Reported debt to the XXXX XXXX without my permission. i do have the signed debt letter however its not scanned nto my computersi am sending a copy
01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27105	Web
The company asked for the notice I turned in to the office before turning in my keys and signing for my mail to be forwarded XXXX notice XX/XX/2022 and was completely moved out XX/XX/2022
09/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19320	Web
I've disputed this account over and over again and National Credit Audit has never responded in anyway! They are however reporting to my credit! They are breaking the law! Please help me!
11/19/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33024	Web
This company claims I owe them {$1300.00} from a previous apartment I lived in that was spotless when I moved out. I received NO documentation on where this {$1300.00} charge came from.
02/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75010	Web
NATIONAL CREDIT AUDIT reported an existing account on my name with the amount of XXXX $ and opened XXXX/XXXXXXXX and the last reported was on XX/XX/2022 with a debt that is not mine.
08/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08205	Web
I have requested on several occasions for National Credit Audit to remove the collection for my credit report. This account does not belong to me I have filed several complaints.
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	VA 231XX	Web
Its a person with the same name as me thats from Texas thats keep coming up in my background reports. I never been to Texas and this guy has a record thats hindering me.
06/17/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19403	Web
National credit audit Corp was audited and trans union after review deleted this account for {$4100.00}. They still have not deleted and or reporting false information
09/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33173	Web
Complaint number continuation XXXX The owner of XXXX XXXX is XXXX and XXXX XXXX my dear the same people you have been harassing for money we don't owe but you owe us
02/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75010	Web
NATIONAL CREDIT AUDIT is trying to collect a debt that i didnt owned for XXXX $ starting to report on XX/XX/XXXX and the last activity report was on XX/XX/XXXX.
11/24/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21136	Web
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.
02/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39180	Web
I have no knowledge of this debt. No one has provided me with anything showing what this is for or my signature. I only lived in XXXX for the past XXXX years
04/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19139	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
02/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75241	Web
I am a consumer attempting to resolve a matter in good faith. As of XX/XX/2022, I have new evidence. Please refer to the attachment to see my complaint.
12/30/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA XXXXX	Web	Servicemember
The amount of {$3700.00} should be removed from all credit reporting bureaus immediately. XXXX and XXXX the company was contacted in these regards : - )
01/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75243	Web
I have filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and I havent received any investigation results.
08/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 295XX	Web
This debt was discharged in a chapter XXXX bankruptcy in XX/XX/2017 for {$4600.00}. The original creditor was XXXX XXXX XXXX ( aka XXXX XXXX ).
12/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 775XX	Web
Paid the debt on XXXX XXXX. Still reporting to .y credit report. National credit audit. Original creditor XXXX XXXX XXXX {$1700.00}
11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75056	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX debt is over statue of limitations plus there was an order of dismal n gabs and seal XX/XX/XXXX XXXX
03/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78240	Web
Reported this agency to request documents on the authenticity. Its been more than 30days and my request for documentation ignored
05/05/2020	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	DE 19977	Web
The lease ended and I moved out. Eviction notice was still filed and the maintenance men began moving things out of the house.
04/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21117	Web
the police report has been flied And National Audit has received a copy of the flied police over a month ago now.
03/28/2017	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OH 45014	Web
Former landlord claims that I owe money for moving out of a property after I complied with all lease agreements
10/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76549	Web
I have paid off an account in full and the company refuses to update and delete it off of my credit report.
11/13/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77006	Web
cra violation must remove violation of my rights idthft victim po report send hpd inquires are not mine
06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94526	Web
Please forward the information to National Credit Audit Corporation. Thanks!
04/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78681	Web
this is not my debt. this is a cause of identity theft
12/28/2016	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 750XX	Web
the company shows it as not paid. it has been paid.
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75243	Web
OLD ADDRESS AND DIFFERENT IMFORMATION ON MY REPORT
11/18/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DE 19720	Web
Debt was paid prior to being sent to collections
03/24/2022	No	Debt collection I do not know	False statements or representation Told you not to respond to a lawsuit they filed against you	MD 21207	Web
I dont know nothing about this account
11/20/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19403	Web
Debt was paid in full
01/28/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89117	Web

01/24/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	OH 45240	Web

01/24/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71360	Web

01/19/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77048	Web

01/18/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	MD 21061	Phone

01/09/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75204	Web

01/08/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	DC 20019	Web

12/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77048	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NC 27105	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94087	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75248	Web

10/16/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TX 75703	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19146	Web	Servicemember

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60628	Web

10/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77019	Web

09/22/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TX 75703	Web

09/20/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 75703	Web

09/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Postal mail

08/31/2023	No	Debt collection Rental debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85286	Web

08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77016	Web

08/15/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 49202	Web

08/14/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76006	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 21218	Web

08/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60617	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11203	Web

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 20165	Web

07/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	IL 60640	Web

06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17055	Web

06/28/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85051	Phone

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21223	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77063	Web

06/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DE 19720	Web

06/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21221	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20705	Web

05/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21117	Web

05/22/2023	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	TX 76023	Web

05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20723	Web

04/23/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DE 19720	Web

03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33180	Web

03/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21215	Web

03/25/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 33068	Web

03/24/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89115	Phone

03/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 17111	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20747	Phone

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75237	Web

03/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 17111	Web

02/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75025	Web

02/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21236	Web

02/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33068	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34233	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33180	Web

02/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21236	Web

02/03/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 35650	Web

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22303	Web

01/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71129	Web

01/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34205	Web

01/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73104	Web

01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78759	Web

01/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71129	Web

12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89128	Web

12/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19115	Web

12/06/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21212	Web

11/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75287	Web

10/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21236	Web

10/06/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21207	Web

10/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 21236	Web

09/14/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 07202	Web

09/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77028	Web

09/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21401	Web

08/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66083	Phone

08/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21401	Web

08/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21236	Web

08/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21236	Web

07/29/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KY 40229	Web

07/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21401	Web

07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32901	Web

07/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91342	Web

07/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91342	Web

07/11/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20602	Web

06/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20782	Web

05/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21213	Web

04/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20708	Web

04/13/2022	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20011	Web

04/12/2022	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20724	Web

03/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77040	Web

03/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60827	Web	Servicemember

03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94063	Web

02/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21234	Web

02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75110	Web	Older American

02/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71112	Web	Servicemember

02/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72685	Web

02/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 77388	Web

01/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75241	Web

01/01/2022	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 21208	Web

12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20852	Web

12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 24586	Web

11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19401	Web

11/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60527	Web

11/08/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	VA 24586	Web

11/06/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60527	Web

10/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19153	Web

10/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75703	Web

10/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 01843	Web

10/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27870	Web

10/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20770	Web

09/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76549	Web

09/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web

09/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01843	Phone

08/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53227	Web

08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21244	Web

08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19128	Web

08/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web

08/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60143	Web

07/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75068	Web

07/30/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 21244	Web

07/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22311	Web

07/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21225	Web

06/26/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19013	Web

06/11/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21206	Web

05/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38732	Web

05/12/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 21076	Web

04/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77026	Web

04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77016	Web	Servicemember

03/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21075	Web

03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55379	Web

03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12207	Web

01/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78640	Web

01/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77581	Web

12/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76244	Web	Servicemember

12/16/2020	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 18436	Web

12/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10029	Web

12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	MD 21223	Web

12/02/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TX 75238	Web	Servicemember

10/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17339	Referral

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35805	Web

10/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21222	Web

10/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21222	Web

09/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20720	Web

09/20/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75010	Web

08/31/2020	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	WA 98001	Web

08/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20706	Phone

08/14/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77087	Web

07/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 08052	Phone

06/17/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	20707	Web	Servicemember

06/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32817	Web

05/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20019	Web

05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75024	Web

04/30/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20744	Web

04/23/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TN 37211	Web

04/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28211	Web

03/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77065	Web

03/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20748	Fax

02/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MD 20748	Web

01/02/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21239	Web	Servicemember

12/27/2019	No	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TN 38104	Web

12/16/2019	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 20708	Web

12/04/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75225	Web

11/18/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20871	Web

11/12/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75225	Web

10/30/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89113	Web	Servicemember

09/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91978	Web

09/10/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55116	Web

08/22/2019	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75093	Web

08/18/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20745	Web

07/13/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75044	Web

06/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19901	Web

05/23/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75115	Web	Servicemember

05/10/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21244	Web

05/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85254	Web	Servicemember

05/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Fax

04/10/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23608	Web

03/29/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19140	Web

03/21/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77384	Web

03/16/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78363	Web

03/04/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08093	Web

02/27/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MD 20774	Web

02/21/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77078	Web

02/12/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78045	Web

01/23/2019	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	MN 55372	Web

12/17/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 31139	Web	Servicemember

11/28/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75287	Web	Servicemember

11/26/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92802	Web

10/30/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit		Referral

10/30/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22079	Web	Servicemember

10/28/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web

10/27/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77449	Web

09/20/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60085	Web

09/20/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60085	Web

09/20/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60085	Web

09/12/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

09/06/2018	No	Debt collection Other debt	Communication tactics Frequent or repeated calls		Postal mail

08/20/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20708	Postal mail

08/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39305	Web

08/02/2018	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30296	Web

07/23/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75057	Web	Servicemember

07/13/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07029	Web

07/05/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45449	Web

05/16/2018	No	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

04/22/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MD 20774	Web	Servicemember

04/10/2018	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31139	Web	Servicemember

04/05/2018	No	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	DE 19806	Postal mail

02/08/2018	No	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 76244	Web

02/06/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19462	Web

01/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28590	Web	Servicemember

01/11/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21117	Web

12/31/2017	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77063	Web	Servicemember

12/29/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77065	Web

12/11/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32608	Referral

11/27/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73401	Phone

11/15/2017	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20732	Postal mail

11/03/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75503	Web

11/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77042	Web

10/22/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75063	Web

09/01/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount		Referral

08/08/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

06/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23237	Postal mail

06/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77021	Web

06/13/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77489	Web

06/07/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75503	Web

05/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77486	Web

05/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 98108	Web

04/25/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75503	Web

03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76244	Web

03/04/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77241	Web

02/08/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30281	Web

02/08/2017	No	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	GA 30281	Web

01/13/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30315	Web

01/02/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MD 21117	Web

12/21/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TX 75154	Web

11/22/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 18974	Fax

10/21/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11209	Postal mail

10/12/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 74729	Referral

08/25/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 08048	Web

08/16/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21136	Web

08/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 75231	Phone

07/28/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	NH 03064	Web

07/23/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	LA 70127	Web

07/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DE 19969	Phone

06/29/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33618	Web

06/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MD 21133	Web

06/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75231	Phone

04/29/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	ND 58601	Web

04/20/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	KS 66209	Web

02/04/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75360	Web

12/31/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	PA 19124	Web

12/27/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77388	Web	Servicemember

06/02/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75014	Web

03/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MD 21234	Web	Servicemember

01/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 90036	Web

01/05/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77546	Web	Older American

12/30/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77090	Web

11/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	NC 28412	Web

11/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 78753	Web

10/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 77449	Web

09/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	KY 42134	Web