NCC Business Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/18/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA XXXXX	Web	Servicemember
In XX/XX/2012 I rented a loft apartment from XXXX XXXX in XXXX, Massachusetts. At the time I had just finished a XXXX XXXX program. I was fortunate to get a full time job immediately in my field. Although the income was good, I paid high amounts for benefits and I was supporting my XXXX children with minimal support and zero government funding. I struggled each and every month to pay my bills including : rent, car payment, insurance and other bills. Although it was extremely difficult I managed somehow to meet my financial obligations and pay my rent each and every month in full and on time. While living in my apartment at XXXX XXXX we were respectful, clean and quiet tenants. One of the issues I had while living in one of the upper level apartments was that the temperature in our unit was extremely warm and uncomfortable. During the winter months we NEVER turned the heat on because the temperature was a balmy 80 degrees. With this being said we would often times have to open windows in order to breathe and sleep comfortably. I left home for work by XXXX everyday leaving my XXXX year old and XXXX young children home. My XXXX year old would get the little ones ready for school. Although my daughter was very responsible the task of getting her siblings ready for the day was a lot. Often times the window in our unit would be left open. It was honestly open just a crack in order for us to breathe. The property manager : XXXX XXXX at the time had left voice mail messages for me stating in a very aggressive tone that if I left the window open again it was a serious rental violation and I would either be fined or evicted because the pipes might freeze. XXXX was aware of my situation. She new I struggled to pay my rent. While living there I had filled out a low income application and we had several conversations in regards to my struggles. Nothing ever came of that application. I felt very threatened by Miss XXXX. I ended up reporting her to her manager. Fast forward to the end of my lease. I was in an extremely tumultuous relationship at the time. I knew I didnt want to spend another minute at XXXX XXXX because of the harassment I experienced at the hands of XXXX XXXX so I agreed to rent a house with my boyfriend at the time. It was an extremely expensive house, one that I would NEVER be able to pay on my own. We moved out of the XXXX and into our new place at the end of XXXX. I cleaned the entire unit thoroughly and met with XXXX after XXXX XXXX weekend to return the keys and do a walk through. She stated that I had left some belongings behind in a cabinet in the kitchen and claimed the unit looked good. Not knowing the tenant/landlord laws I never did a walk through inspection in the beginning and I didnt sign anything the day I returned my keys. This proved to be a very big mistake on my part. By the end of XXXX I was contacted by NCC service in XXXX, Florida regarding an account that was placed for {$2000.00} by XXXX XXXX XXXX. I told the gentleman that there was no damage. He said so you have an exit inspection? I told him that I didnt and that this was false and I would not be paying the bill. He then told me good luck ever renting an apartment again because your credit is ruined. Within that first month renting my new apartment I had a major falling out with my boyfriend and he moved out. I was terrified needless to say. I knew that I couldnt afford that rent on my own and because of this collection account I would be lucky to find someone else to rent to me. I did dispute the charges with NCC. At that time they sent me an itemized bill that was produced by XXXX that stated all the alleged damages. No receipts or photographs were produced at that time. I ended up putting this on the back burner for several years because I continued to struggle financially and was too intimidated to address it. I have worked very hard to improve my credit and even with this collection account my credit my score is over 700. My husband and I are getting ready to buy a house together and I dont need or want the stress of this being a factor in qualifying for a mortgage. I recently reached out to NCC and requested copies of photographs and receipts. They did forward some of the photographs of the alleged damage but no receipts or estimates ( which are required by law ). Please check out the photographs and itemized bill. This woman XXXX XXXX of XXXX XXXX tried to ruin a very hard working independent mother of XXXX children. Her behavior was premeditated and vindictive. She is guilty of slander and intentional infliction of emotional distress. Not only am I victim of her abusive ways but children have also suffered. I 100 percent believe this is and was a vindictive claim. This was done out of retaliation. I have tried to work with NCC and XXXX XXXX but they are standing by these fraudulent charges and refuse to do the right thing so they have left me NO choice to pursue legal action and report them to the community and the XXXX XXXX XXXX. I will also be reporting them to the consumer credit agencies. List of alleged damage : 1. Replacement of pet damaged/heavy stained carpet {$1500.00} Please note that the only heavy stained/damage in the entire unit was at the front entrance hallway ( high traffic area ). Also notice the seam that shows the carpet is commercially installed carpet that can be replaced in that section alone. XXXX charged me to replace the entire unit?!!! Also note that the carpet is pulling out at the seems where it was poorly installed and not due to pet damage?!!!! It is also the responsibility of the management company to get and estimate of said damage. None was provided. 2. Trash removal, items left in kitchen and bathroom. No photo of bathroom items. Photos of belongings in kitchen. Please see the attached photo that shows I have each of these items in my possession. These items were brought to my attn the day that XXXX and I did our walk through. I took them with me the day I returned the keys to her. {$37.00}??? Fraudulent charge!!!!! 3. Cleaning charges- Washing walls food and liquid in Kitchen and living room, refrigerator, stove, oven, kitchen, cabinets, bathroom cabinet, toilet, tub, bathroom, ceiling and windows. {$110.00}. ( FRAUD ) My apartment was immaculate. Cleaner than it was when I rented it. It is not the reponsibility of the Tennant to clean vents that are not reachable due to high loft ceilings. Mildew on the bathroom ceiling is also the responsibility of the management company as the ventilation system which obviously was not working properly is the cause of that. Again also unreachable to Tennant to clean??!! The freezer/fridge was also immaculate. No dirt noticed. There was a single ice cubetray left inside and it was clean otherwise. The ice cube tray came with the refrigerator. 4. Replacement of bathroom vanity 2 large dents on the frame and missing door? {$120.00} ( no photo provided ). This vanity was damaged and old prior to occupancy ) 5. Replacement 2 bent freezer door bars. {$75.00}. ( existing damage.. also, copy of receipt that supports bars were replaced ) 6. Replacement of bathroom light scratched lens cover. {$90.00}. ( No photo provided ). Again the one and only time that the lens cover in the high loft ceiling was ever touched was when the maintenance company came in to replace the light bulb.
08/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34491	Web
I opened a complaint back in XX/XX/XXXX regarding XX/XX/XXXX through the CFPB. NCC responded and did not provide enough information other than the lease I signed and apologized for not communicating to me about the debt. I have since opened another case which is XXXX that I submitted on XX/XX/XXXX. Again, NCC responded, provided some additional documentation but now they are describing things that they did but did not provide proof of that and this was Closed just because they responded on XX/XX/XXXX. I am opening a new issue because this company needs to be held accountable, needs to provide factual information and I feel this needs to be removed from all three credit bureaus because after looking at all the details provided by NCC for both of my disputes, they are clearly not following specific laws. I do not agree that all of my issued have been addressed and I have even more questions now. I submitted a previous dispute on XX/XX/XXXX through the CFPB with this company advising that I was never contacted by NCC and requested proof of this debt. The company responded to that concern stating that they apologized for any miscommunication and at that time provided my lease and a list of fees. Now NCC has responded to my new dispute advising that they sent me a XXXX letter and have called me 300 times over the past 4 years. I am requesting to see a list of those 300 calls. If they can respond with the total amount of calls then I want to see the proof of that. I also want a copy of the XXXX letter that was sent to me. I have never heard anything from this company until I opened my 1st dispute back in XX/XX/XXXX. I also have concerns with the charges NCC has just provided in my new dispute in XX/XX/XXXX. The Town of XXXX XXXX has charges from XX/XX/XXXX - XX/XX/XXXX. NCC advised that the new tenant moved in on XX/XX/XXXX. It clearly states that I was only responsible for any fees up until a new tenant moved in. I am being charged for 1 day more than what I should be because the property was occupied by a new tenant on XX/XX/XXXX. Also, the invoice for XXXX provided by NCC has a service date of XX/XX/XXXX for fees of {$150.00}. Again, I was only responsible for expenses until XX/XX/XXXX because the new tenant moved in on XX/XX/XXXX. I should not be responsible for this. The invoice provided by NCC from XXXX XXXX XXXX is dated XX/XX/XXXX for an amount of {$220.00}. I did not move out of the home until XX/XX/XXXX. How can I be charged for an invoice for carpet cleaning when I was still in the home? The carpet cleaning was done after I moved out which was on XX/XX/XXXX. They would not have cleaned the carpet just shy of 3 weeks of me moving out. This should not be billed to me and I am debating this. The letter provided by NCC from XXXX XXXX with XXXX XXXX XXXX clearly states that they are in receipt of my letter to vacate and that I would only be responsible for charges up until a new tenant moves in which they did on XX/XX/XXXX. Just 17 days after I vacated. Under the rules of the FDCPA, debt collectors are required to provide details about each debt they are attempting to collect by sending written notice with the following information : Name of Creditor, Amount Owed and Instuctions on how to repay the debt. I want to see the notice that was mailed to me to ensure compliance with the FDCPA. I never received anything until I requested it in XX/XX/XXXX and NCC claims to have had this debt since XX/XX/XXXX. I would also like to address Harassment. Debt collectors may not harass. There are specific laws that state repeatedly contacting the consumer causing annoyance or calling places of employment are illegal. I bring this up because NCC states they have attempted to contact me over 300 times in the past 4 years. Again, if they know the amount of calls, I want to see a call log of where I was contacted, the hours I was contacted between and the numbers that were being called. Prove what you are saying you did. I never received an invoice, I never received a call to my knowledge about payment arrangements or resolving this debt. It is the law to provide this to me. More than likely if I received 300+ phone calls I would have, 1 ) made arrangements and 2 ) reported NCC for harassment depending of the frequency of the calls and/or timing of the calls ( during work or on or after specific hours ).
05/29/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33063	Web
I previously rented an apartment with an agency named XXXX XXXX XXXX , owned by XXXX XXXX XXXX . I moved from the residence in XXXX XXXX , XXXX , and approximately one month later was advised that I had a bill for move out fees. I logged onto the website where I used to make my rent payments and the site said that I had an open balance of {$440.00} due, which I paid with debit XXXX on XXXX XXXX , XXXX . I took a screenshot of the page that now said I had a XXXX balance, and a receipt was also auto generated and sent to my inbox as proof of my payment. On XXXX XXXX , I received a phone call from NCC business services stating that they were calling on behalf of XXXX XXXX XXXX . According to them, my account had been forwarded to their office on that date and they were trying to collect on the debt. I told the representative that I paid XXXX so this had to be a mistake, but they insisted that I owed {$500.00} plus an additional {$330.00}, and if I did not pay this balance they would report me to the credit bureaus. At the time I was attempting to purchase my second home and I just did not want a collection account on my credit, so I agreed and paid them {$500.00} and {$330.00} from the same debit card I used to pay XXXX . NCC stated that I could sort it out with XXXX later but it would just be best to pay them. It was probably a foolish decision on my part and yes I am better educated on this now, but I was just trying to avoid it reporting to the bureaus, which was a waste of time because in XXXX of XXXX , an account for a collection wit h NCC Business Services a ppeared on my credit report in the amount of {$500.00}. After seeing this account appear on my credit report I disputed it with all the bureaus, as well as contactin g NCC a nd XXXX via email and phone calls but no one would talk to me or return my emails. I sent all of the receipts with the proof that this debt was paid and that the account was sent to NCC in error in the first place, yet XXXX nor NCC would take accountability. I even went to the management office at the apartment community. I keep disputing this item on my credit report and low and behold, NCC keeps verifying the debt. The credit bureaus have been absolutely NO HELP. The only one who seems to believe the proof I submitted for investigation is XXXX because they actually deleted it. I have no clue of what to do anymore but I am positive that this is illegal. I look at my credit report and despite the dates on my receipts and bank statements, they backdate this account to make it appear as if it has been on their books since XXXX XXXX ... coincidentally since they called me on XXXX XXXX and I paid them ( approximate ly thirty day s after ) yet I never received anything in writing from these people. XXXX XXXX was the first communication that I received from them and, they stated that the account was placed in their office that day. Also, in examining my credit report, I found that they are saying I made some sort of payment in XXXX of XXXX . I paid them NOTHING in XXXX XXXX because I owed nothing. To date they refresh the account on my credit report every month at the end around the XXXX or XXXX of the month fluctuating the balance from {$500.00} to {$57.00} to make it appear as if it is a revolving debt. I just received an alert from XXXX which states the following ; NCC BUSINESS SERVICES XX/XX/XXXX XXXX is reporting that your NCC BUSINESS SERVICES past due balance has increased to {$500.00}. I have disputed this multiple times as I stated before and submitted all of my proof to the credit bureaus. It seems that the only result I have gotten is giving them ammunition to alter their records to make it appear as if I am being untruthful. I come to you as a last resort because I have exhausted EVERY option I can think of myself. Anyway that you can be of assistance I greatly appreciate. There are THREE parties here who need to be held accountable ; 1. XXXX XXXX XXXX 2. NCC Business Services 3. The credit bure aus ( XXXX and XXXX ) for f ailing to investigate the validity of the debt properly based on the evidence presented If anything is needed of me, please do not hesitate to contact me. I thank you in advance for your time.
04/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93306	Web
I am filing this complaint agai nst NCC and XXXX XXXX . I submitted a complaint against NCC an d Mountainside apartmments over year ago to which they responded but never actually resolved any of my issues. At this point I am now finally getting ready to sue as the account they are attempting to collect from me is illegal. I am also tired of having this damage my credit report when both NCC and XXXX XXXX have failed to fulfill their obligations as required by law. To bring you up to speed again on this whole situation, on XXXX of XXXX I reviewed my credit report and noticed that NCC had a collection on my report for {$1300.00}. I disputed the account with the credit bureaus on many occasions and the investigation results kept coming back as verified. After about 6 months I decided to take matters into my own hands. I hired a company to do some research for me on this account so I can figure out what the company was trying to charge me for. On XXXX XXXX XXXX , XXXX XXXX XXXX submitted a power of attorney to NCC. They claimed they never received it so it was re-sent on XXXX XXXX XXXX . NCC never contacted XXXX . so my representative had to call NCC on XXXX XXXX , XXXX to ask for itemization of the debt. They asked him to e-mail the request in. On the XXXX of XXXX XXXX . called to confirm receipt of itemization request and NCC told him they had n't received anything. XXXX submitted another request on the XXXX of XXXX and followed up on the XXXX . Again NCC cla aimed they had n't received anything ... XXXX submitted another request and warned against this foolish stall tactic and confirmed on multiple occasions the location or e-mail address of the request. Again he submitted a request and gave them XXXX hours or a complaint will be filed. NCC did not comply.. Finally a complaint was filed against NCC to you.Only once the complaint to you was filed on XXXX XXXX of XXXX did NCC finally had a manager s peak to my representatives and provide an itemization. The itemization was wrong. not only were the charges frivolous, the itemization and records of XXXX XXXX showed that errors over the history of the lease occurred on many occasions and I had to be reimbursed fees that they were overcharging me ... My representative reviewed the whole ledger and disputed the ledger with NCC On XXXX XXXX . He gave them 30 days to comply with F.D.C.P.A laws. 30 days passed and no response ... he tried calling again after 33 days and no answer or response to voicemails, same after 36, and finally after 40 days past the request for validation did they respond with a " corrected itemization. '' It still had mistakes on it. Furthermore, they were trying to charge me for the remainder of a 60 day notice period or until premises were occupied per our written agreement. XXXX then attempted to contact NCC but the manager no longer responded to calls which was at this point typical of the agency. On XXXX XXXX XXXX finally called and spoke wit h Vice President XXXX and asked them to prove that the apartment was vacant for the remainder of the 60 day notice period. I had them ask this because I have family that resided close to the rental and they know that place was rented with in 2 weeks after I moved out. The president even said he would have an answer within 24 hours. That never happened. It was n't until XXXX XXXX that XXXX was able to get a hold of the vice president and that conversation went south fast. XXXX told me that NCC was just trying to bully me. As you can see, NCC is breaking multiple laws in trying to collect and credit report this from me and I am now finally ready to sue if this ca n't be resolved. Please look into this and their rogue collection tactics so that I can avoid myself time and money trying to fix something that should have been fixed in XXXX .
11/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	FL 33573	Web
On XX/XX/2016, XXXX XXXX with NCC Business Services contacted me. He asked if I was the ( name ) at ( address ). I stated yes, what is this regarding? He told me that it was an attempt to collect a debt. He said he had to verify my social or date of birth to confirm it was the correct person. I stated that I would n't be providing this information over the phone and that he had already verified my address. He said it was a matter of public record so he already has that info but needs me to verify it. I again refused and stated that I do not have any outstanding debts. I told him that if he believes that I do, he can send it to me in writing. He said that they have tried to send things via mail numerous times but I have not responded so that is why they are calling. I told him that I have not received any mail communication regarding a debt. He argued and I again told him to send it to me via certified mail if he believes I owe a debt and that is where the conversation ended. On XX/XX/2016, I again received a call from XXXX at NCC Business Services. It went exactly like the first call. At this point, I have still not received any mail communication from them and was not aware of what debt they were attempting to collect since I would not give out my personal information. I told him during this call again to send it to me in writing and to stop calling me. I also let him know that I would no longer answer his calls. I also put in a complaint via their website in attempt to stop the calls and have them verify the debt in writing. He called again on XX/XX/XXXX and XX/XX/XXXX but I did not answer these calls. On XX/XX/2016, I sent a certified letter to NCC Business Services to validate the debt in writing and to stop contacting me via phone. The letter was delivered on XX/XX/2016. On about XX/XX/2016, I received my first letter from NCC Business Services claiming that the debt was from my old apartment complex. I have email proof and matching bank statements to prove that this amount was paid. I emailed the apartment complex, called them three times and then emailed another corporate contact at the apartment complex between XX/XX/XXXX and XX/XX/XXXX to have them rectify this situation. On XX/XX/2016, 3 days after receipt of my certified letter, XXXX from NCC Business Services called my phone again. I thought he must be calling to tell me that they would no longer be contacting me via phone or that the apartment complex had reached out saying it was their error so I answered his call. He was as aggressive as before asking me for personal information. I stated that I would not be giving that out just as I had in previous calls. I also told him that I had sent a certified letter to their office to stop contacting me via phone and that it was delivered on XX/XX/XXXX. He said that I must have sent it to the wrong address because he did not get it. I assured him that it went to the correct address and that he needs to stop contacting me. I also told him that the " debt '' in question was paid in full. He asked when and I told him XX/XX/2016. He said that he does n't believe me because the debt was turned over to them on XX/XX/XXXX and that he is going to recommend that they put this on my credit report immediately after which the call abruptly ended. I have proof of my certified letter, call logs and payment confirmation so that all of this can be easily verified. This company clearly violated the FDCPA and I would like action taken against them so they do n't put others through this. Even though it is n't a valid debt, this has been XXXX time-consuming and expensive ordeal that I would like to move on from. I would also like to select " Communication Tactics, Continued Attempts to Collect debt I do not owe and Disclosure Verification of Debt '' from above menu.
11/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 932XX	Web
I am filing this complaint because I have spent 6 months fighting a collection account on my credit report with the collection agency and the creditor who are stating I owe them money I do n't. The name of the collection agency is NCC Business Services and the creditor is XXXX XXXX. I will try to be descriptive but it 's impossible to convey all that has happened with limited typing space. XX/XX/XXXX I was reviewing my credit report only to find out NCC was reporting I owed over {$4000.00}! Because this was obviously fraud, I disputed it with the credit bureaus only to have the bureaus send me back results stating it was " verified debt. '' Since this was impossible, I contacted NCC to figure out why I owed {$4000.00}. I spoke with a representative named XXXX and she said it was for breaking a lease with XXXX XXXX and they were charging me the whole amount of the lease. I explained to XXXX that I was aware about how when you break a lease for a property you owe money for breaking the lease as well as any money owed on the remainder of the lease. However, I was also aware that if the leased property gets leased to another individual or party during the same time as the individual who broke the lease, then the initial party who broke the lease is only liable for damages up until the new lessee takes over the property. In other words, XXXX XXXX XXXX ca n't collect rent damages from me when they are already collecting rent for the same property from another individual. This is exactly what happened. I stayed in XXXX for 1 month and 1 week out of the whole year. My space was rented within a week of me vacating it yet XXXX XXXX is fraudulently trying to say that I owe them a whole year! And it gets worse. After I informed XXXX of my knowledge of how leases work, she agreed and sent my dispute to XXXX. I did n't get a response for 3 months even though they only had 30 days to resolve my dispute and still kept the account on my report. To make things worse, they did n't even address my dispute so I had to chew out the new collector I spoke with and he got an expedited revised itemized statement from the client. It was just an itemization with hand written notes saying I vacated the apartments and they rented the space 15 days before the lease was up so they are crediting me 15 days out of the whole year ... .. I ca n't even begin to fathom how they are trying to get away with such fraud. Unfortunately for them, I have proof I did not stay there 350 days. The lease was from XX/XX/XXXX to XX/XX/XXXX in XXXX Indiana. Besides the fact that I went in person to inform them I was going back to California after my 5th week there, I have paystubs that I will provide you with which show I was working in XXXX California XX/XX/XXXX .... In other words, I was not living in the XXXX XXXX until XX/XX/XXXX. Also, during my short stay in the village, I saw people coming and going like flies. As soon as a person left the village, another would take his place within a week. What I am trying to say is that it was highly unlikely that my space in their apartment was left vacated for nearly 11 months. It is unreasonable, not logical, and not fiscally prudent. NO ONE would purposefully leave their rental property vacant when they could be leasing/renting it. For XXXX XXXX and NCC to state that my space was vacant for 11 months is an obvious attempt to extort me and outright fraud. I know this is fraud because I spoke with my roommates and they informed me that my space had in fact been rented out after I left. If they do n't stop trying to extort me I am taking them to court. Please help me in stopping this company from trying to collect money they ca n't. If they are doing it with me, who knows how many others they are defrauding or have defrauded as well.
02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 447XX	Web	Servicemember
I am a recently separated XXXX XXXX veteran. While separating, I had to move out of my house from an allotment called XXXX. Many of the damages listed on my move out form were ludicrous, overly expensive, and frankly many of which required a service I already paid for. You see, some things that needed cleaning ( for example, the lawn and the garage ) were not cleaned in time for the final out. Under most circumstances, that would mean that I owe XXXX money to have it cleaned. The thing is, I already paid to have a cleaning service do it ; XXXX suggested cleaning service, to be exact. I was guaranteed -- both verbally and documented -- that the cleaning company I hired would be able to guarantee me a passing final inspection. More importantly, I have documentation from XXXX that states that if a job is not completed, they can call the cleaning company back after the final out inspection and have them finish the job. According to common law, this grants me Reasonable Assurance from XXXX that even if my house was not completely finished cleaning before the final out, it would be fine, and I would not be charged. However, I was still required to pay the cleaning company {$600.00} for the cleaning, and then more money to XXXX. This was only one of many items on the move out report that I was disputing, and I felt like I had a reasonable argument, so I was forwarded to the disputing officer for XXXX. I was told repeatedly that because I signed the move out report indicating the total amount owed, that also meant that I agreed to pay all of it. I had already taken the form to the base legal office, and they agree with my interpretation : that my signature on the form does not mean I agree with the charges, and I should be allowed to dispute them. Allow me to quote what it says : " I understand the items listed above, except as noted. '' I did n't note anything, because I understood it. However, it is not an admittance of agreement, as was made clear by the gentleman performing the final out. XXXX continued to refuse my disputes, quoting the move out report over and over. I offered to pay for some of the items, but stood strong with many others as I felt like I was in the right. XXXX never wavered, never tried to find a middle-ground with me ... they just kept telling me I owed them the full amount. Then ... they TOOK the money from me. I told them previously that they were absolutely not allowed to remove the amount from my XXXX, as per the Leasing Agreement, however they did it anyway. XXXX stole my money. I was contacted by someone higher up in the company, asking to get together for resolution, but I told them that I would not speak with them until my stolen money was returned. They said they would take my response as a refusal to cooperate, and a refusal to dispute the items, so they would simply send the total to a collections agency. They also finally gave in and returned my stolen money, weeks later. They never contacted me again about the disputed charges. Last night, I received a phone call from a collections agency, regarding this amount. I was informed that I was certainly allowed to pay what I thought I owed, however if it was not paid in full, XXXX would have the authority to negatively affect my credit. This is utter nonsense. XXXX refused to work with me on the individual charges listed, despite my numerous emails explaining my position. They took the liberty to steal the money from my bank account, and only then asked me to negotiate the disputed items. After finally returning my money, I come to find that they never intended on discussing the disputed charges, but instead had already filed my debt to collections. It is repulsive that a company can take advantage of military service members like this.
01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 76135	Web
NCC reported to the credit bureaus a collection account that is fraudulent and frivolous in nature. Be advised this is a notice that your claim is disputed and validation is requested immediately. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt NCC say I owe you. I am requesting proof that I am indeed the party NCC is asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I request that your offices provide me and CFPB with competent evidence that I have any legal obligation to pay NCC. At this time I will also inform NCC that if their offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by NCC or the company you represent, I will not hesitate in bringing legal action against NCC and their client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put NCC in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my attorney to continuing filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If NCC fails to respond to this validation request within 5 days from the date of your receipt, all references to this account must be deleted from my credit file and a copy of such deletion request shall be sent to me immediately. CREDITOR/DEBT COLLECTOR DECLARATION pursuant to FDCPA/FCRA laws. Please provide the following ( please note all items must be completed ) : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor and agreement that alleged debtor agreed to pay NCC Business Services ( in its entirety ). Any insurance claims made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number associated with original creditor. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable with contract agreeing to payment. Date of original charge off or delinquency from original creditor. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt on original creditors books and NCC Business Service 's books. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
11/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75002	Web
In XX/XX/XXXX I moved into the XXXX XXXX XXXX XXXX with a 12 month lease. Consistent with the terms of the lease, I provided written notice in early XX/XX/XXXX that I intended to move and would not be renewing my lease. Initially, I thought the home to which I was moving would be ready in XX/XX/XXXX so I informed the XXXX XXXX XXXX XXXX that I would do one month as month to month rental in my notice to vacate email. They called me the next business day, confirmed receipt of my notice to vacate and asked me to confirm the date I would be moving out. I told the office worker I was not sure and she told me " no problem '' that I could confirm the date when I completed the bottom of the notice to vacate form confirmation she was going to leave on my apartment door. By the time I got the form back, I learned that I no longer needed to rent the apartment month to month in XX/XX/XXXX and informed them verbally and in writing ( on the form ) that I would not be extending my stay beyond the lease terms of 12 months. The apartment complex staff did not raise any concerns until the date that I was vacating the apartment @ XX/XX/XXXX. They tried numerous tactics to justify charging me XX/XX/XXXX rent. First they denied having received a written notice of the change date but I located it ( in green ink ) in the file for my apartment on the worker 's desk. Second, they argued that I could not change my mind even though the change was provided to them in XX/XX/XXXX. They told me that the office worker who received the form was not employed on XX/XX/XXXXwhich was the date I signed the form. I assured them that she was there near or around that time as we had spoken numerous times in person. Third, after I left they tried to add false charges for cleaning the apartment and having the carpet replaced to recoup moneys that I would not pay for the XX/XX/XXXXrent. A form was provided for proof of carpet replacement with a company 's letter head but no dollar amount on the form and I have pictures of the areas they stated were not cleaned to prove otherwise. Most importantly, I have requested for several months that the XXXX XXXX XXXX XXXX and their debt collector NCC Business Services Inc., provide me a detailed explanation in writing about how they arrived at the conclusion I owe them XX/XX/XXXX rent where I provided them adequate notice that I intended to move in XXXX, more than 60 days before the XX/XX/XXXX rental date would have begun although they would only be entitled to 30 days notice on a month to month arrangement. NCC Business Services then contacted me to tell me that they had a staff workers from the XXXX with hand written notes of verbal conversations. I challenged NCC Business Services on phone and in writing ( certified letter ) that they had an obligation to investigate and confirm that this debt was legitimate and the debtor 's hand written notes were not sufficient. Previously I challenged the XXXX XXXX XXXX XXXX that they had not followed the terms of the lease and provided me written explanation of why they had retained my deposit as outlined in the lease. They have never explained how they arrived at the debt owed for XX/XX/XXXXrent. Both the apartment complex and the debtor will only provide me with a copy of the lease which I already have and nothing in it justifies this debt. Given the history of this apartment complex and their management company for unfair treatment of people of color I believe that they are deliberately and maliciously refusing to explain this debt. All rents for the term of the lease were paid in full and on time prior to my vacating the premises in late XX/XX/XXXX.
06/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32246	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Credit Bureau Address NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, XXXX Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. Name of Account : NCC BUSINESS SERVICES ACCOUNT # XXXX {$2700.00} The debt validation i recieved from your company is my signing a contract with a different company, please provide proof that i signed a contract with your company.
12/14/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85212	Web
I wrote this complaint to the CFPB on XX/XX/XXXX I have been trying to resolve a collections account with NCC BUSINESS SERVICES since XX/XX/XXXX regarding move out/early termination charges for an apartment I shared with my ex boyfriend. Certainly we were aware there was going to be monetary consequences for breaking a lease, but in excess of {$6700.00} is unbelievable! I have disputed the charges ( EX : $ 1100+ fee for carpets where there were NO pets and we lived in the unit for less than 12 months ) and attempted to work out a settlement option for a reduced, reasonable, and affordable amount using our tax refund and every time I was told they do NOT do settlements and I can just pay what I can towards the balance until it is paid in full. Recently, I decided to dispute the account with the credit bureaus regarding these erroneous and inflated charges in efforts to resolve this and on XXXX it indicates the account is now closed ( which it never said this before ). So I contacted NCC BUSINESS SERVICES on XX/XX/XXXX to see the status of the account. I spoke with a representative by the name of XXXX and asked him if this was open and if they were still collecting on it and he said " yes ''. I explained to him what was mentioned above and he then informed me he would submit for a " debt reduction '' and he would call back once he spoke with management on an answer. I asked why he would be able to submit for a " debt reduction '' now when all these years I was told they did n't do settlements/reduce balances and that I needed to just make payments towards the balance. He told me because " I did n't qualify ''. So I then asked how NCC BUSINESS SERVICES would know if I qualified or not because nobody every asked me any questions regarding my circumstance to determine if I did or did n't qualify? He said because we were n't on unemployment, on SSI, XXXX etc. Which is actually inaccurate and a total assumption because XXXX XXXX ( my ex who was also on the lease with me ) was unemployed during a portion of the time we lived in this apartment. However, I was still employed while all this took place and even asked ( during a previous call ) to do a single party settlement to remove my name only and pursue XXXX for the remainder and was denied this workout option as well. XXXX quickly changed topics and asked if he can get the debt reduction approved if I was prepared to pay the payment all at once. I said I was, but still wanted to know why now all of a sudden this was a possibility when it had n't been for the past 4+ years. It appears misleading that now on my XXXX report this account shows closed and they can all of a sudden do a settlement/debt reduction? He never gave a straight answer other than we were n't unemployed or on a fixed income ( which was n't true and nobody every asked ) and he said he would send to management for even though I still did n't qualify? On XX/XX/XXXX I pulled my XXXX report again the very next day ( XX/XX/XXXX ) after the conversation above took place and it now shows the XXXX XXXX XXXX account is open!? I have been provided misleading and false information when I called on XX/XX/XXXX to NCC BUSINESS SERVICES and was told it was open, when it was n't ( according to my XXXX report please see attached ) and they opened it the next day ( please see my other XXXX report that is also attached ) to cover themselves.
09/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 62221	Web
On XX/XX/XXXX I terminated my lease with XXXX XXXX XXXX XXXX because I purchased a home. I gave XXXX XXXX a 60 day written notice. On that day, in person, I was told by her that since my lease did n't expire until XX/XX/XXXX I would have to pay a 2 month penalty for terminating my lease early. She informed me that penalty would be 2 months rent. My rent was {$730.00} per month. So I assumed that I would have to pay {$1400.00} to get out of my lease. I moved out onXX/XX/XXXX and met with XXXX to return my keys and to pay my 2 month penalty. At that time she told me I owed them {$1800.00} instead of the {$1400.00}. I disputed this but go nowhere with her so I just wrote her a check for that amount and returned my door keys and mail box key. I week later I received a bill from XXXX XXXX XXXX XXXX. that was signed by XXXX XXXX stating that I owed them ad additional {$890.00} for a Lease Termination fee of {$390.00} plus a {$500.00} EP deposit. I called her and disputed this since my lease does n't have any such fees on it. In Section 23 of my lease it states that I must pay a " lease abandonment fee equal to 2 months rent '' and that I am " obligated to provide no less than 60 days written notice of intention to vacate the premises. '' I faxed her a copy of my lease to prove that I overpaid them and owed them no additional fees. She therefore sent me to collections. On XX/XX/XXXX NCC Business Service , Inc. sent me a debt collection notice for {$890.00} on behalf of XXXX XXXX XXXX / XXXX XXXX XXXX . I called them and disputed this bill. I sent them a copy of my lease, a copy of my bank statement showing that check I wrote for {$1800.00} was cashed by XXXX XXXX XXXX XXXX. onXX/XX/XXXX. I also sent them a copy of my lease termination request letter. I am writing you for help because every time I call they say that their client XXXX XXXX has come up with a different story as to how she came up with this debt of {$890.00}. At first I was told it was a {$500.00} eDeposit fee plus miscellaneous charges that I owed. I sent them a copy of Section 29 of my lease that proved that the eDeposit was a {$100.00} fee that I paid at time that I entered my lease in XX/XX/XXXX. After that they refused to work with me so I called again and was told that XXXX XXXX 's new claim was that the {$890.00} was owed because my {$1800.00} that I wrote on XX/XX/XXXXbounced. To prove that claim false I sent them over a copy of my XXXX XXXX stating showing that the {$1800.00} check was cashed and deducted from my account on XX/XX/XXXX. After that claim was proved false I called my a month later and was now told that the {$890.00} a penalty for failing to give a 60 day written notice. I told them to get the notice from their client XXXX XXXX but they claim she had no such written notice. So I faxed them a copy of the written notice that I gave XXXX on XX/XX/XXXX After that I was told that this was still be reported as a uncollected debt on my credit report. I do n't know what else I need to do to prove that this property manager is lying and that I paid all the fees required by my lease agreement to get out of this apartment. I have not heard anything else or receive any other bill or notice from NCC Business Services since I last spoke to them in XX/XX/XXXX. I need this resolved and cleared so that do n't ruin my credit with false charges.
05/11/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78041	Web
I had communicated with the Staff of XXXX XXXX manages by XXXX XXXX XXXX XXXX XXXX XXXX in XXXX TX regarding moving out, terminating lease. We moved out and then we receive collections notice and calls from NCC trying to collect on their behalf. I explained to NCC that it was incorrect figures because I had advised the staff of the issues. I called the staff and the lady I had spoken to was no longer there. I emailed another staff member and let her know of the situation and she said there was nothing that could be done since it had been turned over to collections. We asked about returned remotes and keys and she said they were no use to them because everything had been changed and re-keyed. That was a lie, we passed by and the remotes and keys worked, even the linear system. I contacted someone higher and explained the situation again, and that this was a ridiculous collections charge that has been affecting us tremendously all because someone didn't communicate and she said " im sorry but I can not speak on behalf of someone who is no longer employed ''. I explained that her employee lied about the remotes and keys not working and that I had photos proving and date stamped and she told me those charges would be removed and invoice revised. I also asked her about the accelerated & reletting fees, she said that was the time it took to find a tenant. They charged me in full, i told her I called in inquiring about a 3 bed 2 bath apartment and was told 7 people were on a waiting list, I also told her that I called in to investigate that if that unit had been rented and i called in stating that I had a delivery for flowers for unit XXXX she called the new tenant on the other phone and was told to hold onto flowers. Once I told her about that too, that invoice was revised again, but she failed to remove charges as they still appear. I questioned her regarding the carpet shampoo, as per the Texas apartment associations lease, only fees are to be charged for cleaning when carpets that are soiled beyond wear and tear. Which in this case they were not, we kept them neat and clean, and also they had a faulty washer that overflowed and their onsite maintenance shampooed the carpet because of their faulty washer overflowing. So they revised the invoice 3 times after telling me they couldn't because it was now with NCC. There was so many problems, that I had to be calling the police for situations ( call logs and PD logs attached ) it said gated community and the gates we're always open to the point of someone trying to break into our vehicle and other 2 times it was vandalized. that was reported and nothing ever done. anyone had access. I didn't receive response for that. These absurd charges ruined my credit as well as my husbands! High interest in vehicle note and declined for other lines of credit because they kept trying to collect over 6000.00 in false fees, and the worst part is that credit agencies show that my highest balance was XXXX some and have a balance of XXXX some. The incorrect balances keep appearing and is giving me a negative factors. I was declined to buy a house, I was eyeballed when my new employer checked my credit. My credit shows that I've made payments towards that collection and still have a balance, that is incorrect.
03/24/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 290XX	Web
In XXXX XXXX I moved from XXXX XXXX, XXXX to an apartment complex, XXXX of XXXX XXXX, in XXXX, XXXX. The apartment I originally rented on the phone directly with the complex manager was a downstairs XXXXbedroom, XXXX bath apartment. When I arrived at the apartment complex with my moving van the only apartment that was available was on the fourth floor, with only outside stairs and no elevator. With my moving company being paid by the hour, I agreed to take the apartment. Within the first couple of days I found out the air conditioner did not work, the freezer and ice maker was not working, the plumbing had problems, and all of the windows in the apartment had been painted shut and could not be opened. The complex was going through a change in management and had only XXXX maintenance person, who was lacking in experience. I was promised everything would be fixed, but 2 months later in the hottest part of the year in the South, I still had no air conditioner, my windows still could not be opened and my plumbing still had issues. The complex finally agreed to let me out of my lease and I moved out on XXXX XXXX, XXXX after living in the apartment for only 2 months. The day of my move I returned the keys and my final check to the complex office, to a temporary employee, who was the only person available. This temporary employee could not give me an accurate accounting of what I owed as a final electric bill. I left them with my forwarding address and current cell phone number. XX/XX/XXXX I received a call from NCC Business Services , Inc. stating that I was delinquent on a bill to XXXX XXXX XXXX apartment complex. They could not tell me what it was for, just that I owed {$100.00}. I called the XXXX XXXX XXXX office and found out it was for my final electric, sewer, water bill for the month of XXXX XXXX. The complex would not take my money but required me to pay through the Collection Agency. On XXXX XXXX, XXXX I called NCC Business Services, Inc and paid, directly from my deposit account, the amount due of {$100.00} over the phone. Then a year later, XX/XX/XXXX I received a call from NCC stating that I owed them {$100.00} for a delinquent account with XXXX XXXX XXXX. I have had nothing to do with XXXX XXXX XXXX since XXXX XXXX when I moved out. Again NCC could not tell me what the amount was for or what time period it covered. After several calls from NCC trying to bully me into paying this amount immediately, I looked up my XXXX XXXX bank statement and it did, in fact, reflect payment to NCC Business Services, Inc on XXXX XXXX, XXXX in the amount of {$100.00}. I forwarded this information to NCC and their comment was that this could not possibly be the same charge and that I could either pay the amount owed immediately or the debt would be reported to the credit reporting agency. I do not owe this amount, it has been paid in full for over a year. They can not produce any documentation regarding this amount they say I owe. I called XXXX XXXX XXXX and they do not show that I have a past due balance. I have no idea what to do at this point. I could not upload a copy of my bank statement reflecting payment, but I do have a copy I can provide if requested
08/10/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87121	Web
NCC Business Services with a business address of : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX and Telephone : XXXX and Website : XXXXXXXXThe company called my XXXX year old daughter several times in the past 2 to 3 months asking for XXXX XXXX. My XXXX year old daughters name is XXXX XXXX. Obviously not the same person. She tells they have the wrong number and she does not know that person. I have told them to stop calling her. They called her today XXXX XXXX, 2015 around XXXX MST again from the phone number XXXX. She said it was a woman who called her. The woman asked to speak with XXXX XXXX which is my daughter 's name. When my daughter acknowledged that she was the person they were asking for the woman asked her where she was, asked where her mother was, where her father was, if she was alone, asked who was watching her. It scared my daughter enough to call me at work and I became very alarmed and upset. I did an internet search on the phone number and it came up with the information for NCC Business Services. I contacted the number that called my daughter and asked them what type of business they were. The woman did not disclose her name and would not disclose the type of business. She said it would depend on what number had called. I gave her the phone number XXXX and she said she could not locate my personal number or that anyone had called me. I gave her my daughter 's cell phone number and explained the situation. She affirmed that someone had called my daughter but would not disclose reason for call or who had called. I asked for her supervisor and she put me through to a gentleman who placed me on hold and the call was then picked up by XXXX XXXX. He stated he was the supervisor and was looking into the call. Then the call was disconnected. I immediately called back and a woman answered would not provide a name and said that they were experiencing system issues and that XXXX would call me back. I advised that I wanted to be placed on hold and that I needed the answers immediately. I was asked to hang up and XXXX called back in less than XXXX minutes he provided me with his job title and cell phone number which is Director of Software Support cell XXXX. He would not answer any of my questions. He said he would look into the issue and " take care of the matter '' and would call back by XXXX MST today. I think it is a serious situation, the company will not give any information as to why they called again, why they are asking for my daughter directly now, who the person was that called my daughter, and do not acknowledge that the questions were extremely inappropriate, alarming, and have no right to ask such questions especially of a minor. It was obvious that the woman who called knew my daughter was a minor by the questions she asked yet she did not end the call. She continued to harass my daughter and question her for information. The only information I was able to obtain is that the record they have is under XXXX XXXX. So they are still calling about this woman after we have told them several times it is the wrong number and have told them not to call back.
01/17/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	WI 54956	Web
The following is a timeline of events and errors made on the part of NCC Business services ( debt collection ), XXXX, and XXXX ... XX/XX/XXXX NCC Business Services notified us of their intent to collect on a XXXX credit card debt We initially had no idea what they were referring to, we never received a billing statement from XXXX ( XXXX ) based on the fact we had moved our primary residence XX/XX/XXXX, We requested from NCC Business Services to substantiate Debt ( we understand they have 30 days to prove debt and we did not receive statements until XX/XX/XXXX The statements they provided on XX/XX/XXXX did not contain information from the late debt, we immediately notified them of this error. * Despite the fact they were late proving debt, they continued to contact us by phone. * Finally on XX/XX/XXXX, NCC provided statements to prove debt and we were able to verify the charges were made by us * On XX/XX/XXXX, We sent an email to NCC ( please see the following ) XX/XX/XXXX To whom it may concern : I am writing to inform you that we are disputing several elements of your recent attempt to collect debt on our XXXX credit card. The following items provide details on the areas we are disputing and we are requesting the items are corrected immediately : We never received a billing statement from XXXX, despite our notification to XXXX of our updated address ( please see attached document that indicates our updated billing and shipping address provided to XXXX at the original time of purchase ) Based upon the fact we never received a billing statement, we are disputing any finance or late charges incurred *Based upon the fact we never received a billing statement, we expect that the late payment will not be reported as late to the credit reporting agencies If each of the the aforementioned items are acknowledged and rectified immediately, we are willing to remit payment for the initial purchases only for the amount of {$100.00}. If you do not respond to this matter in 30 days we do plan to remit a complaint to both the CFPB and the FTC. Thank you for your prompt response and resolution of this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX We recognize that we have Not received a response from NCC in the required 30 day period and conveniently it appears they have turned over our account to another collection agency, XXXX XX/XX/XXXX We receive a letter from XXXX XXXX XXXX XXXX trying to collect on the debt Here are some relevant details regarding this situation : 1 ) we are willing to pay for the original purchases, provided they remove the late charges, finance charges, and remove any late payment from our credit history 2 ) XXXX has never had a late payment in her life, our credit score is important to us and is currently over XXXX 3 ) We did notify XXXX at the point of sale on XX/XX/XXXX of our new billing and shipping address, they failed to update in their system ( please see document attached digitally showing our updated billing and shipping address that XXXX XXXX failed to update ) Please help us!!!
04/11/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web
I signed a lease with XXXX XXXX doing business as XXXX XXXX XXXX in XX/XX/XXXX. They are located in XXXX GA. The lease was for one year and had an end date of XX/XX/XXXX. I provided notice on XX/XX/XXXX that I did not place to renew my lease and I wished to move out on XX/XX/XXXX. The management team would not accept my notice unless I extended my move out date to XX/XX/XXXX. I accepted this and they provided written acknowledgment that they agreed as well. I paid {$810.00} on XX/XX/XXXX. This payment was for rent until XX/XX/XXXX ( base rent was {$790.00} ) plus utilities as advised by phone from XXXX XXXX. They accepted this payment and I moved our as agreed on XX/XX/XXXX and turned in all keys and gates cards to the leasing manager. I also provided the office with my mailing address and new telephone number. Now they have come back and advising I still owe them rent for XX/XX/XXXX and this is incorrect. I never received my final statement from them. They just sent this to collections and I only found out when I was about to move to another community. I have contacted this place many times by phone and in person and the manager will not show me how I owe them or remove these charges. On the move out notice from them there is no amount listed by prorated rent through move out date. I went to the signed lease and it only list the rent as {$790.00}. Nothing in this lease addresses how they think I still owe this. I have now received a final notice from them but it's incorrect. They claim they mailed the statement to me however, I never received it and my mail was forwarded to my new mailing address. If you look at the final statement they have my address when I use to live on site. They most likely never mailed the letter but hand delivered it to an address they knew I was no longer at. They company has been underhanded from day one and this was reason I decided not to review my lease. They started by accepting my first payment and deposit then called me back to advise they had to re-run my app and now they needed more of a deposit. I paid them an additional {$490.00} but when I received my lease it only listed my deposit as {$150.00}. I called on this was advised only {$150.00} was refundable and the rest was a risk fee. In the email from agent I was told the {$490.00} was a deposit. This was the first I ever heard of this. Oh and they would only provide the lease by email and I did not receive this until the day before move in. I was great need and had to move as soon as possible to get away from a bad relationship. Feeling like I had no other option I signed their lease. Really this company owes me {$640.00} because the location was returned to them in better condition than when I received it. The last invoice I received from them shows I had a credit balance of {$64.00} for utilities. What happened to that credit. So they instead really owe me {$700.00}. Their own ledger which I received from the office shows they removed the rent charge that posted on XX/XX/XXXX and went back in to add extra rent charges after I left.
07/10/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30296	Web	Servicemember
I moved out of XXXX XXXX XXXX, located in XXXX XXXX XXXX, Nevada, on XX/XX/XXXX. Upon leaving management came up with a fake claim that I left the apartment damaged. In my 18 months of living there and having several inspections for random things like maintenance or routine checks, I never received any complaints or warnings or anything about the condition of my apartment. I left the apartment exactly how it was rented to me. However they claimed I owed {$2000.00}. They notified me of this two days after I left the apartment. I asked them for proof of damages. Show me pictures or receipts from the repairs to fix the damage that I supposedly caused. They did not produce any pictures. After a month of trying to force me to pay this debt, they reported this debt to NCC Business Services ( debt collectors ), located in XXXX, Fl. Despite it being on my credit report and rental history, I still refused to pay a debt that was basically fraudulent activity by XXXX XXXX XXXX. So time went by and I eventually did some research. According to the Nevada Statute of Limitations, NRS 11.190 ( 1 ) ( b ), after 6 years, a landlord can no longer seek a debt from a tenant. I contacted NCC Business Services ( debt collection agency ) the first week of XX/XX/XXXX to let them know, they can no longer attempt to collect this debt on behalf of XXXX XXXX because the 6 year statute of limitations on written contracts has expired. The woman I spoke with ( all calls are recorded ) told me that her records show I moved out XX/XX/XXXX. She then went on to say we didn't receive the information until XX/XX/XXXX. So she argued technically the 6 years has not been reached. I responded to her saying if your records show I moved out XX/XX/XXXX, then yes, the 6 years has passed. Again, I contacted her the first week of XX/XX/XXXX ; definitely after XX/XX/XXXX. But nevertheless, she insisted the 6 year mark would not occur until XX/XX/XXXX. On my credit report, it states the debt waa reported XX/XX/XXXX. So even though, the debt was given to me two days after I left XXXX XXXX, by XXXX XXXX XXXX management, NCC Business Services ( debt collection agency ) is basically acting as if the debt did not occur until they received it from XXXX XXXX XXXX on XX/XX/XXXX. So, I stopped arguing and waited. On XX/XX/XXXX, the account was closed. I was thrilled to have it closed. However, on XX/XX/XXXX, it was reopened!!!! So I contacted NCC Business Services ( debt collection agency ) and XXXX tells me that even though we received the debt on XX/XX/XXXX, we didn't process the paperwork until XX/XX/XXXX. This is wrong and illegal!!!! 6 years has passed since I left XXXX XXXX Apartments. Period. The fact that NCC Business Services and XXXX XXXX are still trying to collect a debt is illegal pursuant NRS 11.190 ( 1 ) ( b ). A landlord can not attempt to collect a debt from a tenant on written contracts after 6 years. The 6 year window starts 30 days after the last full payment of the tenant. That would have been XX/XX/XXXX. NCC Business Services is breaking the law!!
07/03/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 447XX	Web	Servicemember
After the housing company sent my debt to a collections agency, I tried reaching out to them one last time in the form of a letter, delivered by certified mail. In it, I asked the company to drop the debt, as they still had not proven legitimacy of the debt, nor had they made any attempt to put the debt through a dispute process. I asked them to please contact me if they still planned on sending the debt through to affect my credit, so we could finally discuss the debt, otherwise I would assume the matter was settled. I sent that letter on XX/XX/XXXX. I never received a response from the company, however they waited until the middle of XXXX to finally report the debt to the big three credit companies. I find this behavior appalling. ... In my previous CFPB complaint, the company responded with documentation of the damages to the property. They have made it clear they do not understand this situation, so perhaps I need to be more blunt. The things that needed cleaning both in and out of the house were already paid. I utilized a cleaning company that the housing company recommended ; both the cleaning company and the housing company promised ( both verbally and in written document form ) that this cleaning company would guarantee a passing final, and anything they did not complete prior to the final out, the cleaning company could finish after. So, therein lies the dispute. I was promised if anything did n't get finished by the cleaning company, the housing company would not hold cleaning charges against me in the final out. However, I ended up paying the cleaning company in full, as well as a demand by the housing company to pay more money for cleaning. I attempted to speak reasonably with the housing company already, however I was spoken to most unprofessionally, and was demanded to pay the full amount regardless of the on-base legal office that also verified my claim that I was not liable for the full amount. I do not feel like this matter ever should have gone to a collection agency without fully completing a dispute process, especially after the housing company quite literally stole the money from me anyway. The money was returned after some argument, however that is not an excuse to simply push my case to the credit companies. It is especially disconcerting since I had attempted conversation again in the form of a certified-mail letter, which explicitly stated that I would consider this matter closed if I did not receive a response, and I did not get a response. I have attempted to be civil and polite throughout this entire process, but so far I have been lied to, treated poorly, and now ultimately ignored to the point where I have been harmed in the form of affecting my credit negatively. I have made my argument quite clear to everyone involved with the housing company, and those arguments have been verified by legal officials. This act of attacking my credit without cause or attempted communication with myself should be looked at as an act of defacement.
08/15/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75703	Web
XX/XX/19 I received a call from NCC Business XXXX Ext. XXXX stating that they had a debt of $ 2000+ from XXXX XXXX XXXX where I had moved from on XX/XX/19. I asked what it was for and he stated he didn't know. He stated he wanted to settle it with me in lieu of reporting it to the credit bureau. I told him that I was officially disputing the debt because I had not idea what it was for. He asked if I broke my lease with XXXX XXXX I told him no, I gave 2 months notice that I was moving and I was on a month to month lease. I asked where/when they notified me of a debt and he quoted my address that I lived at over 5 years ago, prior to moving into a property owned by XXXX XXXX. I gave him my new address and again stated that I was disputing the debt and wanted an itemized statement. He asked me if this was how I handled all of my business??? I stated yes, it was. I again told him that I was disputing the debt and wanted an itemized statement. I told him that they had my phone number and my email address and they have not contacted me about a debt. He asked how I knew they had not tried to call me. I said because I have a cell phone that keeps a log of all of the incoming calls and I have not received any missed calls from XXXX XXXX XXXX and I have not received any emails from them asking for a new address. He told me I was being difficult and that he was going to submit the debt to the credit bureau and hung on me. I called XXXX XXXX and asked them for an itemized statement, they said once it's been turned over the collections it was out of their hands. She asked if I told him that I was disputing and I said yes. She said he would contact her for a copy of the itemized statement. I asked why they had not contacted me about a bill or to ask for my new address because they do have my email address and my phone number which has not changed and she again stated it was out of her hands and disconnected the call. I also feel that this is retaliation for a negative review I posted on XXXX reviews for XXXX XXXX rentals which was about 2 weeks prior to me receiving the call from the collection agency, so I would like to see the dates of the original letter mailed and the date that the collection agency received the allegation from XXXX XXXX XXXX. I also know that I did not cause any damage to that apartment and have no idea what they could possibly be charging me for. I have been renting in XXXX, Texas for over 20 years and have never had any negative remarks on my credit history from any rental properties, ever. They also know where I work and they have my work number and address and could have contacted me there. So they had an email, an address and 2 phone numbers to reach me at. I also updated my address with the USPS weeks prior to moving so if they had sent the letter to my last known address, it would have been forwarded to me by the USPS. Either way, NCC threatened to report a debt that I was disputing and had not been properly notified of to my credit report.
08/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33702	Web
This company has a collection on my credit report saying that I owe money for an apartment when. I Didn't. I applied once yet they charged me for three times for an apartment when I got denied the first time why would I apply two more times the leasing lady who was helping me tried to get me approved and she sent me the link to finish my application me not knowing it was for the wrong apartment it was not the one I had seen and already started the process she said my application was not completed and she sent me a link to finish it she sent the link twice and they were the wrong apt numbers she did that and now I am being charged I have the emails showing where she sent the wrong links making it seem as if I was applying for more then one apartment why would I do that who has money like that to waste. I will send this collection agency to court and sue For scam I have the emails also the bank statement where they took the money for the one apt that I originally applied for and got denied why would I be XXXX enough to apply again that makes no sense anybody can see I am being scammed I called them and they saying that the collection agency is who I should sue because they now own the collection and I will and I want this collection agency to be reliable for fraud they scamming me and I have an email of the link the leasing lady sent me making me apply for other units and the lawyer I spoke with says this apt complex has others they are doing the same to as well I will take this to court the lawyer even sees what was done the leasing lady messed up and now I am being charged it's not right anybody with common sense can see that and anybody with common sense will know that nobody will apply for an apartment 2 more times after being denied the first time who has money to throw away the leasing lady sent the wrong links she was supposed to send me the link to finish the first application yet she sent me two different apt links I have the emails and I will take his to court. I am being scammed and this company needs to take this false information off of my credit report or I will sue. I have the emails and bank statement saying they took a payment for one apartment already and the emails saying she sent the wrong links and the email that she sent me saying to go back in and finish the application with the links attached she sent it twice to me and me trusting she knew what she was talking about did as I was told now I owe all this money I even told her when I first came in that I had an eviction and she said it was okay because it was old and she convinced me to still apply because it was old knowing from the start that I was going to get denied I wouldn't of never applied for two extra apartments or the first one yet she convinced me to apply I have the emails I am taking this collection agency to court. I have the links she sent me and also the email of her saying to go back into the links and redo the application she had me do it over twice ...
11/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 34243	Web
I lived in an apartment only to get back and forth to work because I was sick. XXXX XXXX XXXX Owned by XXXX. The Manager was XXXX XXXX. Around XXXX XXXX I spoke to her about being off work because I could not move my neck and I was going to a new doctor, I also asked about my 2-week refund for faulty electric in which I could not stay there, because it was wired wrong, and could cause a fire. I also told her I may have to move by XXXX XXXX because I was missing a lot of work, possibility of XXXX, and XXXX. She assured me that XXXX works with people like me who can not pay the full two moths rent for moving early because they become XXXX and to keep her up to date.I was off work most of XXXX XXXX and kept her up to date and turned in my letter of intent to move out by XXXX XXXX. The end of XXXX I was told that I needed XXXX that treatments were not working, and the begin stages XXXX that was not responding to treatment.I let XXXX know I had to pay out of pocket for XXXX, I had started to apply for SS XXXX, and that I was applying for XXXX thru work but it would only be 60 % of my pay so I could not afford rent. On XXXX XXXX, XXXX, I could XXXX and that was an emergency visit to XXXX who said that I could no longer work. I talked to XXXX, she said that all XXXX wanted was a letter from my doctor stating that I was XXXX and that my income would not cover rent. I told her that I already had it set up to take the rent for me, my pet, and my trash to be taken for one of the two months out of my bank account on their site and that they owed me two weeks. So she said she would try to get my one month rent back because I did not have to pay the two months for breaking the lease. I never got it back. I moved out on the XXXX of XXXX, I gave XXXX the letter From my XXXX on the XXXX, and she told me know one could inspect my apartment that day so I had to go back down there, on Monday call the emergency maintenance number to have them inspect, ( It was cleaner than the day I moved in ). They claimed she never told them I was moving. A month later I received an email from XXXX to which I responded with my letter of being approved for SS XXXX and that I would receive not income until the end of XXXX XXXX, and the letter from my appeal that I was denied my XXXX thru work. I took it that they were satisfied and it was not until this XXXX XXXX I found NCC was trying to collect money for XXXX, I sent them the documentation where I did pay, and all the information that was given to XXXX and they are saying I owe {$1400.00} that there is no letter in my file of breaking my lease 2 months before I moved out. I could not give them that information because 1. XXXX has their own site I put it on and could be easily erased and I have no access too. 2. The second one is on the laptop that had coffee spilled all over it a year ago and it fried the whole computer. The money, letter from XXXX , denial of XXXX, and aproval of SS XXXX I have.
02/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30132	Web
Since XXXX XXXX, XXXX, the NCC Business Services, a collection agency has been trying to collect money ( {$600.00} ) that I do not owe. They said I should have paid the early termination fee equal to two months ' rent to my previous apartment landlord, the XXXX XXXX XXXX, XXXX, GA. I paid the early termination fee equal to one month 's rent as stated on my lease term a month before my move-out date XXXX. I even verified the amount of the early termination fee with XXXX XXXX, Assistant Manager when the 60 day written notice was submitted on XXXX XXXX and when writing a check ( # XXXX ) in the amount of {$800.00} for that on XXXX XXXX with a separate check ( # XXXX ) for the last month 's rent and water bill in the amount of {$830.00}. On XXXX XXXX, I called the manager XXXX XXXX XXXX XXXX of the apartment right after receiving a call from the debt collector. The manager said I had a balance in the amount of {$570.00}. When I asked what the balance was for, she said I did not pay the early termination fee. As I asked her to check my payment history, now she changed that the balance was for the late charge fee because I returned the keys on XXXX XXXX, which is not true. At around XXXX, XXXX XXXX, I returned all the keys in person to XXXX XXXX, Leasing Consultant in the leasing office with a check ( # XXXX ) for a current water bill. The apartment unit had been thoroughly cleaned and there was nothing damaged. I asked for a move-out inspection, but they waved it. Right after that, my wife and I moved XXXX XXXX miles away XXXX and has never come back XXXX. I was expecting a final water bill if any, but since I moved out of the apartment, I have not received any kind of notice from the leasing office regarding the balance. I had XXXX more chance to talk with the manager over the phone on XXXX XXXX, and she refused taking and returning my calls after that. Another strange thing was that the manager was saying she had no idea about the collection agency. I have sent a debt validation letter twice to the collection agency on XXXX XXXX and XXXX XXXX, XXXX requesting a copy of documentation from the XXXX XXXX saying the early termination fee is equal to two months ' rent. I have not received any written response from the agency as of today. On XXXX XXXX, When I called the collection agency after talking with the apartment manager, I requested them to send me a letter regarding this debt. XXXX from the collection agency told me that they would report it to the credit bureaus right away if I would not pay the debt in 15 days. And he added that I would get a refund if it would turn out that the debt was not mine after I made a payment in full. So I paid with my credit card on the same day over the phone. After I did some research about debt collection, I found out that one would have 30 days to request validation of debt. Thus I called my credit card and put my payment on a dispute.
11/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32162	Web
My husband and I rented a house from XXXX XXXX XXXXXXXX of XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, Florida XXXX. After several months of chronic plumbing problems that rendered part of the house unusable, created a credible risk of black mold, and destroyed hundreds ( probably thousands ) of dollars of our personal property, we terminated the lease and vacated the property by mutual agreement with XXXX XXXX XXXX. We left the house in pristine condition, and we have almost 70 photographs as proof ( plus 5 photos of the plumbing repair disaster and 4 photos of the damage to the adjacent walls and ceiling in the garage that was caused by their negligence and botched plumbing repairs ). Nevertheless, XXXX XXXX XXXX sent us a statement claiming that we owed them {$4500.00} for what amounted to normal wear and tear ( in violation of Florida law ) and for the property damage that was caused by their own negligence in failing to properly address the plumbing issues. They also refused to return our security deposit ( {$2400.00} ) without making a proper claim in accordance with Florida law. At some point, XXXX XXXX XXXX sold that alleged " debt '' to NCC Business Services, XXXX XXXX XXXX, XXXX, Florida XXXX, who is now reporting it to XXXX, XXXX, and XXXX. We have repeatedly disputed that line item on both of our credit reports with all three credit reporting agencies as well as NCC Business Services directly. We have provided detailed correspondence complete with the photographs proving our position to all four of those entities. We have demanded a description of the reinvestigation procedures in accordance with FCRA 611 ( a ) ( 7 ) from each of the three reporting agencies. We have provided information to all four entities showing that the President, Secretary, and Treasurer of XXXX XXXX XXXX who made the initial claims in the first place ( XXXX XXXX XXXX ) has been disbarred for unethical, fraudulent, and dishonest conduct ( including making false claims and fabricating evidence ). We have notified all four entities of our intent to file suit against them. And we have sent FS XXXX pre-suit demands for insurance information in preparation of that lawsuit. Incredibly, none of those things has gotten their attention. NCC has ignored all our correspondence, and the three reporting agencies simply continue to claim that they are " investigating '' the alleged debt before " verifying '' it and notifying us that it will remain on our reports. Despite our repeated demands, none of them has ever provided any FCRA 611 ( a ) ( 7 ) information, addressed in any way the 70+ photographs and other documentation that we have repeatedly provided to them, or responded to us in anything other than a cursory and disingenuous manner. We are hoping that we can get some relief through you rather than having to go through the extended mechanics of a lawsuit and jury trial.
10/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92683	Web
As I pulled my credit reports I noticed a line item from NCC Business Scv for {$13.00}, XXXX as of XXXX/XXXX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX was an apartment complex that my daughter and I jointly signed a lease to rent an apartment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. We ended the lease sooner then the signed lease agreement which we gave notice on XXXX/XXXX/XXXX to move out on XXXX/XXXX/XXXX. The lease break clause in our lease agreement states that we are responsible for {$3000.00} lease break fee and the last 30 days of the Resident 's occupancy of the premises. ( see attached lease ) They are charging us the cost of not renting the apt from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. They also are charging us for the Decon of the slab under the carpet of {$140.00}. ( the entire complex is infested with HUGE cockroaches ) I mentioned this in my letter to vacate. My daughter called the XXXX XXXX on XXXX/XXXX/XXXX at XXXX PT, which owns XXXX XXXX and they told her the XXXX XXXX was rented out in XXXX and the employee would email a new statement removing everything but the XXXX rent charges from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, by Wednesday, XXXX/XXXX/XXXX. My daughter called back on XXXX/XXXX/XXXX and got a different employee and they said your account is with a collection agency and you need to call them. I called the collection agency and they told me that I needed to email them my dispute and attach any relevant documentation along with giving them permission to correspond via email. I sent NCC Business Scv an email ( see attachment ) on XXXX/XXXX/XXXX at XXXX PT with the reason for dispute of the charges of any rent past XXXX XXXX and the decon charges along with all of the attachments, ( final account statement ( which I never rcv 'd until I requested from them ) and the signed lease agreement. Total disputing is {$12000.00} ( rent ) plus {$140.00} ( decon ) leaving the total due of {$3200.00} plus # XXXX lease break fee minus my deposit of {$2000.00} equals {$4100.00} due. I called the NCC business scv today, XXXX/XXXX/XXXX at XXXX PT and spoke to a gentleman that I could not understand his name. He told me that it would be 10 business days before anyone could confirm receipt of my email and another 30 days to reach out the the apartment complex. I asked if he could send me those timelines in an email and he refused. I would like to pay what is fairly due according to my lease agreement of {$4100.00} and would like this removed for all XXXX credit reporting agencies for both myself and my daughter.. Please let me know if you need any additional information. The collection agency 's contact info is NCC Business Services XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XXXXXXXXXXXX. The debt was reported by XXXX XXXX XXXX owned by the XXXX XXXX at XXXX. Thank you for your consideration.
08/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48224	Web
Currently, NCC Business Services of XXXX, FL is reporting twice on my credit report for {$740.00} and {$500.00} to all 3 credit bureaus since XX/XX/XXXX. NCC Business Services is collecting on behalf of XXXX XXXX XXXX in XXXX, MI. I have been disputing the information as inaccurate since it was first placed on my credit. I lived at XXXX XXXX Apartments from XX/XX/XXXX - XX/XX/XXXX. I moved in XX/XX/XXXX, on an agreement with the property manager that I would be let out of my lease with an intent to surrender notice. At that time, I owed NO money to XXXX XXXX XXXX. Prior to me moving out, I had a court settlement with XXXX XXXX. The court ordered me to pay all of the money I owed minus the erroneous fees that they charged or I would be evicted. I was ordered to pay XXXX XXXX in full for the back rent I owed and XXXX, in full by XX/XX/XXXX or I would be evicted. There was money that I also placed in Escrow with XXXX County 8th district court until a settlement had been reached. I moved out of XXXX XXXX XX/XX/XXXX with a {$0.00} balance. {$0.00} minus the late fees and including the money that would have been payed to them out of the Escrow account. I have a ledger to prove the payments I made as well. In XX/XX/XXXX and XX/XX/XXXX, I reached out to XXXX XXXX XXXX by phone to see what exactly the details of these amounts were. I was asked to put together a dispute and send it to them via email and they would investigate it. I composed a dispute to XXXX XXXX XXXX via email, including a ledger and documentation from the courts to prove that I owed no money to this landlord. I asked for NCC or XXXX XXXX to produce an updated ledger through XX/XX/XXXX. I provided my record with XXXX XXXX district court to show that they mailed the money from Escrow as well. XXXX XXXX is aware that money was being mailed to them from the Escrow account because it was determined in court. I also provided the court documents to NCC Business Services as well. NCC Business Services told me back in XX/XX/XXXX that they would send over my response to XXXX XXXX and follow-up with me within 2 weeks. It is now XX/XX/XXXX and I have not received a response from NCC Business Services or XXXX XXXX and the inaccurate information is still being reported on my credit. This inaccurate has kept me from being approved for apartments because it seems as if I left owing a balance which is false. It is unfair for a company to say I owe them money and send it to a collection agency to retrieve the money but have no proof of how I owe the money or where the amounts came from specifically. They also can not prove that I damaged the property in any way. It is unfair to me that my credit is suffering for inaccurate information and there's nothing that I can do to rectify the situation. I refuse to pay money that I do not owe.
09/14/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33009	Web
On XX/XX/XXXX, I began my lease with XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Florida XXXX for one year ( ending on XX/XX/XXXX ). I lived with three other individuals, each of us on separate leases. After living in the property for one year, I was assessed charges in the amount of {$2400.00} for damages that XXXX stated we were responsible for. I received the first correspondence from XXXX regarding these charges once I moved into my new residence the following year. I immediately contacted them to let them to dispute the total that they were placing on me was incorrect, but to no avail. The office staff stated that they would contact me in the coming weeks with a solution, but I never received any communications back. In late XXXX, I received notice that the amount I owed was being transferred to NCC Business Services Incorporated, a third party debt collection agency based in XXXX, Florida. In late XXXX, I formally disputed the debt with NCC. After waiting for months for a response, I contact NCC to speak with them regarding the unjust debt. They stated that they sent me a response to my debt dispute. I stated that I never received this correspondence and requested them to reissue it but they declined to send me this document again. During the time of my dispute with the debt collection agency, XXXX transferred ownership of the property to a bank. This property was being managed by another company. I spoke with the owner of XXXX in-person in mid XXXX, informing him that this credit dispute was a hinderance to my ability to seek housing. He informed me of this shift in ownership and ensured me that he would speak with the new owners to assist me in this effort. He also spoke with the local property management company I was attempting to rent from ( no relation to situation ) to help me in obtain a rental I was seeking to reside in. Despite this, he never reached out to the debt collection agency nor the new owner of XXXX XXXX XXXX to rectify this issue. After waiting for a few more months, I called the new property managers to explain to them my situation. They stated that they had nothing to do with the issue since they never formally went into a contract with me. They also stated that they would not be able to give me the direct contact information for the owners of the property. In XXXX XXXX, I contacted XXXX to let them know about my conversation with the new property managers. They offered no assistance. Late in XX/XX/XXXX, I retained an attorney to assist me with solving the issue. She advised for me to file complaints with various governmental agencies. My hope is to not only resolve this issue, but to aid other college-aged individuals who may fall victim to the predatory practices of business like XXXX XXXX XXXX XXXX.
03/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 76051	Web
I am writing to call into question a judgment that was filed by the plaintiff XXXX XXXX. Docket number XXXX. This was filed back in late XXXX. Below I will try to outline the situation in order to keep this concise and to the point as I know. - In late XXXX, my wife and I extended our lease 20 days on a month to month in order to close on a home purchase. Original rent was {$1100.00}, they charged me {$3800.00} to extend 20 days. I believe last day would be XXXX XXXX, XXXX - Explained to them that I could not pay such a high price for the extra days and asked about paying the original {$1200.00} rent and making a payment plan to pay the remaining balance but they refused to take anything but the {$3800.00} in full. - They explained to me that they would have to go ahead and file for eviction but not to worry because eviction date would be after we had already moved out. - My wife and I have always paid rent on time so this was all new to us. They instructed me to not bother going to court because if we did not have full {$3800.00}, the judge would rule in their favor. - Misjudging that they were acting in everyone 's best interest I missed the court date and in doing so they filed judgment. I set up payment plan to pay amount within a few months ( paid {$600.00} ). - Home purchase fell through and was left with a negative collection on my credit report. No longer approved by lender. Could not find an apartment who would rent to us leaving me and my children homeless. Stopped making payments to XXXX and saved for large deposit. - Moved in to second chance apartments in order to clean up credit in XXXX of XXXX. - After 2 years of working to repair my credit and get this paid in order to proceed with home buying, the lender pulled my credit and found judgment filed with court differs from amount UDR claims I owe. - Court files show {$1200.00}, XXXX shows {$3100.00}. Called to pay XXXX billing to find discrepancy. Woman who refused to identify herself called me a criminal for not paying rent on time. I explained I never had a problem paying rent I had a problem with paying such a substantial amount. - When asked why amount differed she said it was for cleaning the apartment after move out. - XXXX rep stated she would not give letter of release of judgment until the {$3800.00} is paid in full. - I asked for copy of lease as well as addendum and UDR refused to give copy. Gave me contact to NCC Business who is the collection agency handling debt. - Written request 4 times remain unanswered and still no documentation was ever given as to why I owe so much for 20 days. - This has affected my family greatly and resolving this is the last obstacle in front of us for pre approval in purchasing a home.
05/15/2015	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	GA 30228	Web
I am filing a complaint against NCC Business Services located in XXXX, FL ( Phone Number XXXX ). When seeking a pre-approval for a mortgage, I discovered that NCC Business Services had reported XXXX eviction entries on my account. XXXX was a collection account entry and the other was a court judgment entry for the same matter. After contacting the court, I discovered that the court case was in the name of XXXX individuals whose names are not mine. After contacting NCC, I was also informed that my social security number was not in their system at all, and that there was not a social security number associated with the aforementioned account ( based upon their records ). I promptly informed NCC that these inaccurate entries were preventing me from qualifying for a mortgage, as well as preventing me from renting another house, and that I needed to move in two weeks. I provided them with my documentation and was told that they could not tell me how long it would take to resolve this matter. When I asked whether they could provide me with documentation showing that the entry was not accurate and that they were in the process of removing it ; I was told no. I explained that my family would be homeless, and they indicated that there was nothing they could do about it. When I inquired about how my social security number was associated with this account, or why they inaccurately reported my information, they would not tell me. Instead they told me that asking questions about the matter would not resolve the issue, and that I needed to follow all their requests by providing additional personal documentation. When I informed them of my concern of providing additional information, when my personal information was already compromised, they said it was nothing they could do about that. Every time I asked any question regarding this matter, they informed me that I was not going to resolve this issue by asking questions, only by submitting additional documentation. Finally, when I asked to speak to someone above the manager, I was told that he was not available. I asked was he ever available and was told that he would tell me the same thing. I asked again for the contact information of the person above the manager and was provided with the name of XXXX XXXX, VP of Operations, and then given a non-working number. NCC Business Services made a terrible error in reporting inaccurate information to my credit report, and did not follow appropriate or legal measures in ensuring that they were reporting accurate information to my credit report. In addition to making this error, they have failed to even take responsibility for this error, or provide me with an immediate resolution.
05/14/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 43147	Web
I need to dispute a charge on my credit. There is a matter that the company should have taken me to court over because the lease at the apartment complex that I was renting at was voided, as proven by lawsuits by other renters that were released from the contract because amenities at the complex were closed without notice. Please understand I left the apartment XXXX month prior to what the lease would have been holding me to, had it not been voided by property management when they removed the amenities without notice. I rented at XXXX XXXX in XX/XX/XXXX. The contract for some reason was set up for XX/XX/XXXX to XX/XX/XXXX. I rented at this complex because it advertised an indoor pool and fitness center that I could enjoy throughout the year. In XXXX approximately, I went to swim at the pool and the doors were locked without any notice and no sign was posted that it would not be reopened. No notice was given and two weeks later, I inquired as to when the pool would be reopened. They stated it was closed for repairs and would be open again soon. A week after that I inquired again and was told the pool would not be reopened at any point in the future. The fitness center was also locked and unable to be used. Later, around XXXX, A neighbor stopped me outside of the apartment and was very upset that he rented just 2 months prior to these being closed and that he was taking them to court to be released from his contract. Later, I found out that he and several other tenants won judgments in court that the contract was voided and we could not be held to them. As amenities were advertised and not provided. The cost of rent was higher to cover the amenities. On XXXX XXXX, I turned in the keys after cleaning the apartment and leaving it in better shape than the day I rented it. As the contract was voided for others, I also am not responsible for the {$750.00} rent for the month of XXXX. Later, I found out that they reported the {$750.00} to collections and the credit bureaus. As this is a civil matter, I feel if they believe that I owe them they are obligated to take me to court over this amount and are illegally reporting this to my credit and turning me into collections. I do not owe this money and this is unfairly being reported. I have emailed them and asked them to remove this. I feel it would be unfair for me to pay travel expenses, attorney expenses and court costs to resolve this matter. I am in Ohio, I believe that if they feel I owe this, they should have to take me to court for this amount. I never received notice from the apartment management that this money was owed at any point. Sincerely, XXXX XXXX XXXX Phone : XXXX XXXX, XXXX XXXX
12/14/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85212	Web
I have been trying to resolve a collections account with NCC BUSINESS SERVICES since XXXX regarding move out/early termination charges for an apartment I shared with my ex boyfriend. Certainly we were aware there was going to be monetary consequences for breaking a lease, but in excess of {$6700.00} is unbelievable! I have disputed the charges ( EX : $ 1100+ fee for carpets where there were NO pets and we lived in the unit for less than 12 months ) and attempted to work out a settlement option for a reduced, reasonable, and affordable amount using our tax refund and every time I was told they do NOT do settlements and I can just pay what I can towards the balance until it is paid in full. Recently, I decided to dispute the account with the credit bureaus regarding these erroneous and inflated charges in efforts to resolve this and on TrXXXX it indicates the account is now closed ( which it never said this before ). So I contacted NCC BUSINESS SERVICES onXX/XX/XXXX to see the status of the account. I spoke with a representative by the name of XXXX and asked him if this was open and if they were still collecting on it and he said " yes ''. I explained to him what was mentioned above and he then informed me he would submit for a " debt reduction '' and he would call back once he spoke with management on an answer. I asked why he would be able to submit for a " debt reduction '' now when all these years I was told they did n't do settlements/reduce balances and that I needed to just make payments towards the balance. He told me because " I did n't qualify ''. So I then asked how NCC BUSINESS SERVICES would know if I qualified or not because nobody every asked me any questions regarding my circumstance to determine if I did or did n't qualify? He said because we were n't on unemployment, on SSI, disability etc. Which is actually inaccurate because for XXXX XXXX ( my ex who was also on the lease with me ) was unemployed during a portion of the time we lived in this apartment. However, I was still employed while all this took place and even asked ( during a previous call ) to do a single party settlement to remove my name only and pursue XXXX for the remainder and was denied this workout option as well. XXXX quickly changed topics and asked if he can get the debt reduction approved if I was prepared to pay the payment all at once. I said I was, but still wanted to know why now all of a sudden this was a possibility when it had n't been for the past 4+ years. It appears misleading that now on my XXXX report this account shows closed and they can all of a sudden do a settlement?
02/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93306	Web
Earlier last year an account popped up on my credit report that I did n't owe. When I tried disputing the account through the credit agencies, I got some letters back stating that I owed this money. For months I tried to fight it and could n't get anywhere so I hired a company a few months ago called XXXX XXXX XXXX to look into this debt for me. Back on XXXX XXXX of 2015 XXXX, who I will refer to as XXXX, sent the collection agency NCC Business Services my authorization to speak directly to them. A few weeks later XXXX. tried calling NCC so they could discuss the account and NCC kept giving them the run around about how they had n't received the authorization. Finally on XXXX XXXX a representative named XXXX from NCC answered the call and spoke with my representative XXXX about the debt. My representative asked for debt validation and an itemization of the debt. He was given an e-mail to ask for this validation and itemization. My representative did so and has awaited for this itemization. He was told 3-5 business days as a time frame to receive this itemization and he never received it. On the XXXX of XXXX my representative then called NCC again as he had not received the itemization and re-requested it. again he was given the same e-mail as before which is XXXXXXXXXXXX. Again he was told to request the itemization by e-mail from a representative named XXXX. Again he did so. He was also told by the representative XXXX that no prior e-mails were received by his company even though the e-mail provided was confirmed as the correct one. XXXX also reiterated that it would be 3-5 business days to receive this e-mail. On XXXX XXXX my representative called once more as he had not received anything again. He got into an argument with the collector as again he was being told that no request for itemization was ever received or " uploaded into the system. '' Because they had failed to provide the itemization within their own allotted time frame, and because they were n't even acknowledging that they had indeed received a request for validation, I am now submitting this complaint to you so you can look into their failure to adhere to the F.D.C.P.A. they are jeopardizing my credit and they ca n't even prove that this debt is mine! I will provide you with all the e-mails and phone calls my representative forwarded me so you can see that NCC Business Services is not doing their job properly and breaking the law by reporting an account they ca n't validate.
05/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32907	Web
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPRATMENT : NCC BUSINESS SERVICES XXXX # XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Your company have violated FCR A 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 pers on ( c ompany ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under secti on 1681c-2 of this title h as 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. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious NCC BUSINESS SERVICES ACC # XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection XXXX Litigation, Case No. XXXX , in the U.S. District Court fo r the XXXX District of California Stop c ollection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX
07/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85048	Web
I paid termination fees to cancel my apartment rental agreement on XXXX to XXXX XXXX, I also paid another months rent XXXX/XXXX/14 as my last months rent. I returned my keys to XXXX XXXX on XX/XX/XXXX and was told my last months rent was all that was owed ( aside from any potential damage to the apartment in the 2 months I lived there - there was none ). XXXX XXXX sent me a bill to collect past concessions ( which was included in my {$840.00} check ) and utility bills while the keys were in their possession and I had vacated. NCC sent me the collection notice in XX/XX/XXXX, I filed a dispute on XX/XX/XXXX and provided documentation of the above referenced check to prove it was paid. I contacted NCC on numerous occasions following up and was never provided with any resolution until after the collection hit my credit. I was told the client did not accept my documentation and that the debt was still due. I eventually paid the debt to prevent any further negative impact to my credit. I 've since then contacted NCC to receive a deletion letter since I have the documentation it was already paid, and a representative from NCC confirmed that the resolution of the collection was not rendered until after it impacted my credit - despite my continued efforts to resolve it prior to impact, as I would have paid a debt I do not owe to prevent such a huge impact. I have exhausted all efforts to resolve this issue and prove the debt was paid and have yet to have anyone point out that the check I paid in the amount of {$840.00} is not included in my ledger with the client. I 've attached a copy of the cashed check that included the concession charge backs they have on their ledger, I 've attached the ledger that indicates ( after a second review on the part of the client ) that I did in fact pay my final water bill - check XXXX of {$44.00}, the final trash, electric and service charges are for a period I was not in possession of the keys and they were in the hands of the client. I was told on the day I moved out and turned in my keys ( XX/XX/XXXX ) that the only other payment to be made would be my final months rent ( paid XX/XX/XXXX ) and any damage to the apartment in my 2 month stay. Not only was XXXX XXXX wrong for pursing the collection, NCC failed to resolve this issue before it impacted my credit - despite my continued efforts to resolve it beforehand. I can provide any documentation needed to resolve this issue. Thank you.
09/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 34743	Web
I have an eviction account that was sold to a collection agency at XXXX separate times and the CA is reporting the balance due as XXXX complete separate accounts. Let me explain, I lost my job a while back and was left moving back to my moms with no income, hence the eviction. After the eviction The apartment complex had XXXX bill for the amount of {$920.00} and sold it to the Collection Agency, a few months later I 'm assuming after final court fees were assessed another bill was sent but I still was with out work and unable to pay. So at that time that bill was also sold to the same collection agency for an amount of {$1600.00} ; this balance how ever already includes the original balance due of {$920.00} plus the fees. Now the collection agency Is reporting it as XXXX separate account for a total a balance due of {$2600.00}. I do n't have court documents as I moved out from the apartment, I do how ever have the XXXX bills and the proof of the XXXX balances from the CA from when I requested account verification. I was able to catch the mistake because the XXXX account verification from the CA came with a copy of my lease and statement ledger showing the accrual fees totaling {$920.00} acknowledging the XXXX debt. But at the same time the CA also sent me the XXXX bill with another copy of my lease and a copy of the same statement of ledger but this time they included the XXXX page of the ledger showing the continuation of accruals from where the XXXX bill left off of at {$920.00} for a total balanced owed of {$1600.00}. Now the CA is now reporting separate accounts for an entire total of {$2600.00}. You could imagine why I do n't want to agree to anything as I would be agreeing to pay a portion of this debt XXXX not to mention the havoc this is doing on my credit. I sent all copies to the XXXX credit bureaus XXXX are n't even reporting the debt but XXXX is and its still on there after they investigated. Now I believe this is because I requested a verification of accounts and not a correction of balances and reporting. I am also assuming the CA can verify the XXXX accounts because..well..they bought XXXX accounts to show proof of. This is where my dilemma is ... not sure what step to take next with out making things worse for myself. I also contacted a consumer attorney briefly over the phone and of course the cost of hiring one will be more than the debt itself. Any help is greatly appreciated.
08/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27604	Web
At the beginning of XX/XX/XXXX, my husband and I started the home buying process. We quickly were stopped in our tracks because of a collection account that was on my credit report. This account was from NCC Business services and this was the first time I had been made aware of this account. The apartment complex is XXXX XXXX XXXX in XXXX, NC. I paid XXXX XXXX Apartments when I moved out XX/XX/XXXX. When I turned in my keys, no one at the apartment complex informed me of any monies owed. I never received a letter, email or phone call from XXXX XXXX XXXX. I reached out to NCC Business services on several occasions. On XX/XX/XXXX, I sent out a letter requesting them to validate the debt ; they replied and sent back random pages of my lease agreement, which did not prove or validate the debt. I sent another letter on XX/XX/XXXX to once again validate the debt. The replied and sent back a ledger from the apartment complex that had numerous fraudulent charges including, but not limited to " pet damage ''. I just mention that specific one as I did not own a pet at that residence and the apartment complex verified that. I called the apartment complex, XXXX XXXX XXXX XX/XX/XXXX and spoke with the lease manager at which time she could not verify that I owed these monies and told me it was " out of her hands now that it was sold to the collection agency. '' I informed her that I never received this ledger or notification that I owed them money. Her reply was that they did n't have a forwarding address, so they could n't send it to me, although I noted to her that they did have my email address and phone number, to which she agreed. They did agree to take off the " pet damage '' charge, which they did, but would not take off the other charges. I would like to dispute this charge as it is keeping me from buying a home and it is fraudulent. I also asked NCC Business Services that if I paid it in full ( hypothetically ), would it be deleted off of my credit report. NCC replied and stated that it would not be deleted, just noted that it was " paid in full. '' This is not helpful, as the collection will still be visible to lenders and will still keep me from purchasing a home. This should not be the case. If they can not prove that I owe them, especially since they did not do a walk through on the day I moved out, this should be deleted from my credit report.
03/09/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30180	Web	Servicemember
XX/XX/XXXX Letter written to Management of XXXX @ XXXX XXXX & NCC Business Services To NCC Business Services : XX/XX/2017 Below is the email I sent to XXXX @ XXXX XXXX. I hear by dispute the validity of this claim in writing and refuse to be bullied into replacing a carpet that should be replaced anyway. The monthly rent should allow for the replacement of the carpet after each tenant. This cheap carpet is designed not to last and the apartment complex counts on that to make each tenant put in new carpet. This way they never have to pay for a cleaning or the carpet. I will not pay this claim. To XXXX XXXX : XX/XX/2017 I just received your invoice to replace the carpet in the Apartment I rented for a year. First of all, I noticed pet odor listed on the report. There never was a pet left there unattended and there never has been a pet use that apartment while I occupied it. There had been previous pets, because when I took over the apartment the teeth marks were in the doorway to the bathroom as indicated on my move-in inspection form. Any stains in that carpet were due to the design of the apartment. The trash either goes in the kitchen or the laundry room ( to keep it on the vinyl ), trash bags sometimes leak and the only way to get out of the apartment is across the carpet and out the front door. The stains you see are due to leaking trash bags, not pets. I recommend tiling, vinyl or hardwoods from the kitchen to the front door and it would resolve that issue. I gave my XXXX dollar security deposit upon move in to handle any concerns, but to be honest I expected it back because that apartment was well maintained, and your rent was on time. The quality of the carpet and the design of the apartment made those stains unavoidable, and could have been removed from a professional cleaning ; however, I guess there isnt much motivation to do so since you can just pass an invoice on to the prior tenant for new carpet. You can keep my XXXX security deposit, but I will not be paying for the replacement of the carpet in that apartment. The threat of a collection agency does not scare me, nor does the threat of hurting my credit. I will not be bullied into sending you money that I feel is not warranted. If I am contacted by a collection agency I will resort to social media to expose this scam.
09/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77090	Web	Older American
On XXXX, NCC Business Services , Inc. forwarded me a debt collection letter stating that I owed the XXXX, NV. the amount of {$2500.00}. I indicated that I informed management that I have to relocated back to XXXX due to my leased home being foreclosed on. I presented the foreclosure notice to XXXX XXXX and her manager, with initials XXXX. They both waived any cost and informed me to just clean the apartment which I did. Six months later I received a collection letter stating that I owed the apartment said amount. I stated that the paperwork was fraudulently prepared after I left XXXX XXXX. The lady that prepared the fraudulent paper was named XXXX XXXX. XXXX XXXX told me that the debt was still owed for seven years and that I needed to pay since this was an attempt to collect a debt. XXXX XXXX, NCC Business Services, would not give me the bonding license number for his company. When I ran a debt collection search on his company ; no record appeared. XXXX XXXX told me to file a police report claiming fraud which I did : XXXX. The paper work in this case was fraudulently prepared as an insurance scam. It claimed that I did {$2500.00} of damage to the property but no pictures. This was done after I moved. My name was forged. In XXXX XXXX, I filed a lawsuit and it listed the XXXX as credit entries : civil action no. XXXX. The lawsuit investigation revealed fraud by this company and the entries were removed. At the time of the lawsuit, none of the old XXXX XXXX employees still worked there. There was no way of verifying the debt. I asked XXXX XXXX why after six years was he attempting to collect this debt now and put it back on my credit report. I asked him for the proof of transferring the debt to his collection agency and the name of the person who activated this account on XXXX XXXX, XXXX. He stated that he no longer had time to talk to me and hung up. I immediately contacted XXXX and asked to speak to the old employees. XXXX XXXX stated that none of those individuals worked there and that the property was no longer XXXX XXXX because the old company had been bought out in XXXX. XXXX XXXX stated that the new company was now called XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX is attempting to engage in theft by deception. I would like his company put out of business for fraud.
03/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 38125	Web
I rented an apartment and in XXXX XXXX, I bought a home and did not sign a lease, I did a month to month for XX/XX/XXXX and XX/XX/XXXX. I did a walk through and did not owe any damages and gave them proper notice. I also paid my rent via check and I have proof that I paid in XX/XX/XXXX, because it was a pro-rated amount for {$75.00} and I submitted the proof to the collections agency as my old bank is trying to research the XX/XX/XXXX check from XX/XX/XXXX. I left in good standing. I faxed my documents to the agency on XXXX/XXXX/XXXX and they were supposed to forward it to the apartment management company. I followed up on XXXX/XXXX/XXXX and was told it takes 7 days for it to show up in their system, it has been 8 days. I have n't been able to contact the apartment owner, XXXX XXXX, as they no longer own the apartments. I was told I owe {$1200.00}, when I have paid and submitted documentation. the rep at the collections agency, stated that now they are saying that I did not give notice, and that is what the bill is for, when I gave notice, because it was up in XXXX XXXX and I was able to stay there until XX/XX/XXXX when I moved into my home and gave more than adequate notice. I left a forwarding address in order to receive my deposit, which I never did and have not heard anything from anyone in 6 years. The collections agency refuses to accept my proof. It stands to reason that I paid XX/XX/XXXX and would also have paid XX/XX/XXXX. I feel this is an attempt to extort money from me. The apartment manager at the time was XXXX, and I did give her notice and she was the one that came up with the pro-rated amount of {$75.00} for XX/XX/XXXX. I paid my rent on time monthly for the time that I was there, was never late and did not leave any damages. I feel the collections agency just wants to get money from me that I do not owe. The rep today, XXXX stated that she was going to order and mail me the validation of debt today, XXXX/XXXX/XXXX which I do not believe, as the other rep, XXXX XXXX, on XXXX/XXXX/XXXX gave me a fax number to send documents that they have not sent to the client in order to resolve this issue. the fax was sent on XXXX and I validated the fax number with the rep named XXXX. I hope that I wont have to get an attorney to challenge this.
01/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33770	Web
I rented a home from XXXX XXXX XXXX XXXX in XXXX XXXX. I paid a {$1200.00} security deposit, I was informed by my employer that I needed to transfer out of state in XXXX XXXX. I paid XXXX XXXX rent in the amount of {$950.00} on XXXX XXXX, XXXX. I informed XXXX XXXX XXXX XXXX at the first of XXXX XXXX that I would need to break the lease due to being transferred out of state. XXXX XXXX XXXX XXXX stated that I would forfeit my full security deposit as my early lease termination fee and I agreed. i vacated the home on XXXX/XXXX/XXXX and I received a email the following week from XXXX XXXX XXXX XXXX containing XXXX attachments. The first attachment was a letter dated XXXX/XXXX/XXXX stating that my security deposit had been forfeited for the early termination fee and to see additional attachment pertaining to additional charges. The second attachment with the breakdown of charges reflected these additional charges : {$300.00} for repainting XXXX rooms ( I was given verbal permission to paint these rooms and i had a professional contractor paint them. {$170.00} for rekeying the locks and a {$100.00} cleaning fee all totaling {$570.00}. The statement reflected my security deposit as {$950.00} which was not correct and leaving a the statement reflected i owed a total of {$400.00}. I called XXXX to dispute this matter and could not get the issue resolved. The rent credit for the 11 days that I did not occupy the home from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX in the amount of {$330.00} was not credited back to my account. I am not legally responsible for these 11 days due to the fact that I was not occupying the home. In XXXX XXXX I checked my credit report and found that a collection agency ( NCC Business Services ) had placed a account on my credit for XXXX XXXX XXXX XXXX in the amount of {$1700.00}. I immediately contacted the collection agency to dispute and I was informed to send a dispute to them via email in which I did. I then disputed this account with all XXXX credit bureaus providing proof of all written correspondence that I have previously mentioned in this complaint. The credit bureaus responded back stating that consumer disputes and this account meets FCRA requirements. I want this matter resolved and removed from my credit report.
04/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76708	Web	Servicemember
Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to NCC Business Services XX/XX/2017. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. NCC Business Services claims I owe a debt from an apartment complex that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by NCC Business Services. Therefore, by the FDCPA that NCC Business Services was not able to prove that I had a left over balance. So, NCC Business Services was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and NCC Business Services agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, NCC Business Services is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of NCC Business Services from my credit report. I am going to provide all my evidence to my case.
01/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32218	Web
I was a resident of XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX Fl XXXX from XX/XX/XXXX to XX/XX/XXXX - - Upon moving suddenly due to a job loss, I was told I owed an egregious amount ( XXXX ) that I am not acknowledging or accepting without proper documentation on behalf of XXXX XXXX. On XX/XX/XXXX I sent my first email to the property asking for clarity on the charges and documentation on how this incorrect number was put together, I did not get a response.. I submitted a letter to XXXX XXXX XXXX on XX/XX/XXXX ( I have receipts etc ) - after reaching out for weeks and months via phone and email to no avail- In this letter I submitted photographic evidence of the state of the apartment before and after my occupancy and requested a delay in credit reporting due to what I'm sure was mistake in accounting. A few days later I received notification via a delivery receipt that XXXX XXXX had indeed received my letter, I also received a credit alert stating I now had an open account in collections in the amount of XXXX. Very Very shortly after on XX/XX/XXXX, I finally receive an email from the property manager -XXXX XXXX- now informing me that they had made a mistake and that the correct balance is actually XXXX. Which is a very far cry from XXXX - I did receive a breakdown to how that number was formulated but after this circus I am not sure of these charges either. Naturally, I am very apprehensive about if this number is correct, especially since if I would have been told the " correct '' number I very easily could have paid, but I was unwilling to send 1700+ at the wim of simply being told that is what i owed, when I knew the contrary. I feel XXXX XXXX is practicing shady business ethics and I am requesting receipts for the " Tile/Grout cleaning, Broken Blind replacement, carpet replacement, and drip pans '' - I am also requesting this be removed completely off of my credit report, largely in part to me being given incorrect information after repeatedly calling to get the correct information to avoid this hoopla. I am needing to find a home for myself and my son, and this extreme hindrance is not only very inconvenient, I'm pretty sure it is illegal.
11/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30126	Web
In XXXX XXXX I found out someone had rented an apartment in my name XXXX XXXX XXXX in XXXXXXXX XXXX who said I owed {$3900.00}. I then contract the collection agancy which is NCC Business and informed them that it was not me. I was told by an repersentive at this company that I need to send a email giving them permission to send information about this account through email which I did. I never recieve anything or heard form them again. I then was trying to rent an apartment in XXXX XXXX. And was told by the complex that I owed another complex money. This is when I saw that it was been reported to XXXX and XXXX XXXX, I contract both reporting agency put in an dispute, XXXX responded and said the debt was mine. I then contracted the oringinal credtior on XXXX XXXX, XXXX who 's name is XXXX and I did a Dispute XXXX giving them a police report. They never responded so once again I let the NCC Business company know that there was no answer. And how if I was not getting an answer how were they. NCC would not let me know who was they contract at XXXX,. I reached back out to NCC Business and sent them my XXXX report and a photo ID. NCC Business then told me they would send this information to XXXX. And XXXX had thirty days to answer. this was on XXXX XXXX, XXXX. I called XXXX XXXX again on XXXX XXXX, XXXX an spoke with a supervisor by the name of XXXX XXXX who told me that XXXX responded and said that the debt and the ID match.So I called the local XXXX office on XXXX XXXX and was told to call their customer care office in XXXX Once reaching out to XXXX customer care department on XXXX XXXX I was told by a repersentive who 's name is XXXX who is the person you speak with when you are trying to pay a debt or dispute a debt for that area which is Georgia. XXXX told me that they never recieved any paperwork from XXXX XXXX about the debt. And if XXXX did send it to us it would be no way to verify because we no longer own the apartments. And also we do not have your ID on file. I called NCC back on XXXX XXXX, XXXX spoke with XXXX XXXX again told him what was told to me and asked again who or where did he send the paperwork and XXXX XXXX still had no answer for me.
03/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48504	Web
I recently filed a dispute with CFPB regarding NCC business Services reporting incorrect amounts on my credit report as well as re-aging the dates on my credit report. I also stated how NCC business service refused to respond to my validation request that was sent to them by certified mail. NCC responded stating that they reached out to the landlord and stated incorrect dates that were supposedly given to them by the landlord and that they did respond to my validation request which is also untrue. In my dispute I provided a copy of a civil judgement that was discharged listing a date and amount that is different from what NCC is reporting. According to the FDCPA a collection agency CAN NOT verify a debt only a creditor can. Im requesting that CFPB submit proof that original creditor verified the accuracy of their reporting amounts and dates. NCC also claimed that I broke my lease in XXXX of 2013 but on my credit report it has an expiration date of XXXX of 2013. NCC stated that they in fact responded to my VALIDATION letter in which I attached a certified mail receipt proving that my letter was sent and received. Its only fair that NCC attach proof that they in fact sent me a response letter as well as a copy of the validation letter that was supposedly sent to my address. Im also requesting that NCC also submit proof that I gave them permission to even contact me regarding this alleged debt. Im also requesting proof that I gave NCC business services permission to use my PII to establish an account on my behalf-which can be a form of identity theft. i did send a copy of my drivers license and social to NCC which was after they placed this negative information on my credit report and created an account in my name without my consent. Im also requesting proof that NCC provided me with a 30 day notice before placing the alleged amounts on my credit report. NCC is not only violating my rights and the laws within the FDCPA but have caused me tremendous amount of stress but had also caused my credit to be damaged. I also request that instead of NCC sending me the proofs that Im requesting I would rather they attach with their response to this complaint.
01/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NJ 08021	Web
This is a landlord issue that has ended up on my credit report that I have been unable to remove or negotiate. I lived in the apartment for 2 years. I notified them that I was moving and why I was moving. They claimed I did n't give them proper notice and that I owed them a full month of rent because I moved out on XXXX XXXX. They stated that my rental contract tied me to that full amount. In XXXX of that year, they provided me incorrect information stating that on XXXX XXXX I was on a month to month contract so I did n't believe I was under contract at that time. Either way, I offered them the money from XXXX XXXX ( covering 3 days past my move out date ). The reasons I moved it which they were fully aware of was that I had a drug dealer living above me and the conditions were atrocious and I had a XXXX XXXX XXXX living with me. There were assaults, abuse, drug deals, etc. The entire building had been involved with alerting the office at least once to twice a month. Nothing was done. They stated " its hard to evict someone '' but its apparently not hard to try to collect a debt from someone because they sent this to collection instantly after I moved out. I guess it would have been more difficult to evict me than it would be for me to move out with notice and complaint. They have placed the full amount of the debt they state I owe on my credit report and have told me this will prevent me from getting credit in the future ( and it has ). Its not fair to force someone to pay for something saying the contract was broken even though they broke the contract as well by not providing a safe, drug free environment for ME as a tenant to live in. I do n't get to collect from them for that. I just have to sit back as a single mother and allow them to ruin my credit. I really have no recourse but to pay this debt or just never be able to buy a house or a car. And this is all because I moved out of a dangerous environment without what they call 'proper notice '. I am sure you will see that they were notified and that they also broke their contract. They are slum lords who prey on people just trying to survive.
04/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43147	Web
I held a Summer Lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. I resided at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I received a statement dated XX/XX/XXXX regarding {$210.00} for move-out damage fees relating to painting a common area and trash removal for a unit that housed 4 other residents. I was not in the unit long enough nor used it fully to cause any damages. I had pictures to prove the unit was left in excellent condition. I spoke with XXXX XXXX at XXXX XXXX Leasing Office. ( The Leasing Office was very disorganized- I received several eviction notices and late payment notices by mistake during my time at XXXX XXXX, despite my on-time payments. ) I was told that the file could no longer be accessed by the Leasing Office and I was referred to XXXX Account Receivables Department. I called the Account Receivables Department several times but no one answered or returned my calls. I spoke with a woman and man on different occasions, both said they would check the file and get back to me. He never did and I never received any further communications from XXXX XXXX or XXXX Account Receivables since XX/XX/XXXX. Here it is over 8 months later and I received a call from a collections agency regarding the statement. On XX/XX/XXXX I received a call from a debt collection agency and I again called XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX who emailed XXXX XXXX on XX/XX/XXXX. I also emailed " XXXX '' on XX/XX/XXXX regarding the matter. XXXX XXXX responded on XX/XX/XXXX and he alleges that XXXX tried to call me and left voicemail and sent an email and then they sent the account to collections on XX/XX/XXXX. However, the collection agency said the account was sent to them on XX/XX/XXXX. I have phone records to show my phone calls to XXXX and XXXX XXXX. On XX/XX/XXXX I responded to XXXX and told him I do not have any record of any phone calls made from XXXX to me nor any emails. Additionally I asked XXXX that since he was now answering me would he like to address my dispute, and he said the account is no longer in his control and I must work with the debt collections agency.
04/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 283XX	Web	Servicemember
I am filing yet another complaint to be more clear this time. I received a copy of my annual credit report in XX/XX/2018 and notice two large outstanding collections on my reports one for {$1200.00} and another for {$6600.00}. I immediately sent out VALIDATION letter to this company, to which they replied with a list of damages and a lease. The lease was for an XXXX XXXX. I informed the company that this was not me, nor have I ever been known by this name and that they are reporting inaccurate information on my credit. They then responded with a hand written " deposit slip with my first name, XXXX and the last names XXXX. ( Still not my legal name ) I was told that the sure deposit links it to me and the lease was a typo made by the original creditor but the debt was intended for me whatever my " legal " name was. I'm getting no resolution for this. The sure deposit they supplied me with isn't a legal binding contract itself nor does it even have an apartment number on it. The lease they suppiled me with isn't mine. THIS IS LEGALLY. Reporting INACCURATE INFORMATION ON SOMEONES REPORT IS ILLEGAL. They have FAILED to probably VALIDATE the debt owed, which is a very clear violation of my rights under the FCRA. They told me to fill out some paper work and get a police report but they would still be reporting, I should not have to jump through hoops for something that seriously DOESNT EVEN HAVE MY NAME ON IT. This has put me in an extreme bind as my credit is important to me and it looks bad. I'm attaching the sure deposit and the lease only as those are the only things relevant. The damages is just a bill and the " application " are both not significant enough or considered validation for a debt. Please note the difference in the writing and the signatures. Neither are mine. Please also note the sure deposit is not a legal binding lease and isn't proper validation either. Lastly, the lease does not mention me on it at all. I will be reporting and filing a complaint with every outlet possible, because I'm sure I'm not the only person who has fallen victim to their ILLEGAL collection practices.
05/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30260	Web
Apparently for some reason, NCC Business Services Inc. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the XXXX major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed. I disputed this account back on XXXX XXXX, 2017 on my XXXX, XXXX and XXXX credit reports to no avail. NCC Business Services Inc. continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA. In the XXXX XXXX XXXX, XXXX XXXX, XXXX AM Jur XXXX. Sections XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that NCC Business Services Inc. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. NCC Business Services Inc. is blatantly disregarding the law.
05/03/2017	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 34952	Web
The debt is for breaking an apartment lease. They want 2 months rent plus clean up and {$600.00} to change a carpet ( which is the one part I am trying to fight ) ..About XXXX all together for the debt. This debt collector is beyond harassing. The first day they reached out to me was on X/XX/17 at XXXX . I missed the phone call, they left a message on my voicemail which SPECIFICALLY says 'you have reached XXXX '. I called them back by XXXX to talk to them. Within that half hour, they already called my parents and brother to find me. REALLLY? Not even 30 minutes and they are calling my relatives to find me. They knew they had the right number, my name was on the voicemail. I called them back within XXXX minutes, this was before I knew they called my family. They have called me every 3 days from this point as if I have never spoken to them. I told them that there was a specific charge within the debt ( changing a carpet that was perfectly fine when I moved out ) that I dont think is fair. Instead of going back to the client to negotiate, they just flat out refuse and said I am not in a position to negotiate and that I had to prove that the carpet was fine. They also said its all part of the lease. new carpet is not in the lease* carpet cleaning is in the lease for around 100.. AND for them to say Im not in the position to negotiate, thats exactly the position I am in, to negotiate. They act as if they want to help, the guy said what can we do to fix this. When I tried to negotiate that one point, he didnt even want to talk about it. So apparently, they dont want to help. they want the whole amount. I am now on the federal do not call list, and they are still calling. As I said, its every 3 days. I speak to them every time they call.. they are very harassing. They refuse to cooperate on anything. I never refused to pay the whole thing, If I am questioning the carpet, shouldnt they be required to discuss with their client? Apparently when they say that if anything is incorrect to let them know, they dont really care.
07/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84084	Web
I lived at XXXX XXXX in XXXX, my lease was up and I vacated in XXXX. After leaving the apartment complex thought I had signed a 13 month lease and tried to charge me for additional rent. After collecting paperwork and meeting with them I was able to resolve that I indeed had a 12 month lease and had not violated any terms. I left thinking the issue was resolved. Apparently I still owned {$79.00} in cleaning fees. Which I was not notified of until XX/XX/XXXX. Once I was made aware I immediately paid the amount and have receipts and bank statements to prove this. However NCC business decided to claim that the amount owed was in collections. They contacted me several times to try and collect the money that I had already directly paid to XXXX XXXX. I told NCC I would not pay them because the amount was already settled. NCC refused to contact XXXX XXXX to verify this information and continued to claim it was in collections. I sent them documentation repeatedly that this was paid for. I thought the issue resolved since I had paid in XXXX. Now inXXXX I was purchasing a home and my credit was reviewed. My loan agent brought to my attention that the {$79.00} was still considered to be in collections. I sent a dispute and evidence to NCC and demand that they remove it. They refused for months. Because I had to close on my loan or risk losing the house my lawyer advised me to remove the dispute and wait a year until my loan settles and my credit is safe to dispute again. Now unfortunately my loan rate was severely affected by NCC claim that I had debt. In fact my credit has been affected since XXXX because they lied about me not paying the debt. I reached out to them a year later when my loan was settled and my credit safe as my lawyer suggested. I have sent documentation over and over again to NCC to prove I paid in XXXX. They refuse to make any changes or compensation for my time, hassle, affected credit, and negligence on their behalf. This could have been resolved in XXXX. Instead its continuing to affect me 6 years later.
09/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77090	Web	Older American
XX/XX/2016 XXXX, Please assisted me regarding this matter. I have filed XXXX consumer protection complaints : XXXX ; XXXX ; how can we kept giving the crooks more lead way than the people with integrity. This company has engaged in deceptive trade practices and attempted to engage in theft by deception. I have filed XXXX complaints against NCC Services for trying to collect debt on a fraudulent insurance claim that can not be validated since the old company, XXXX, XXXX XXXX, XXXX., XXXX NV. personnel, committed an insurance fraud scheme by charging me with damage to my apartment after I moved out. This company forged my name and stated they I owed them a combine total of almost {$2500.00}. They produced no pictures of any damage and I was notified XXXX months later once I returned back to XXXX to address the foreclosure hearing on my property in XXXX. I showed the management the foreclosure notice and they said that they wish me luck. In XX/XX/2016, a loan XXXX tried to force me to not dispute the fraud in order to re-financial my current property in XXXX. I refused. See letter. XXXX weeks ago, this collection company which used XXXX names : NCC Services and National Collection Services demanded the {$2500.00}. See documents. I am trying to purchase a new loan and I do n't have time to wait 60 days for a company that has no license in Texas to attempt to collect fraudulent debt, unable to validate the debt since the old company XXXX was bought out XXXX years ago by XXXX XXXX, conspired to put this fraudulent account on my credit report, unable to produce a contract assuming the fraudulent debt, and uses XXXX names to committed this collection fraud. This is clear cut deceptive trade practices and fraud by the collection and XXXX. I have filed a police report for fraud in XXXX XXXX XXXX, XXXX. Please have your staff insist on validation today and delete this from my credit report. Please have an Ombudsman contact me at XXXX if they can expedite this matter. XXXX
10/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80229	Web
XXXX XXXX XXXX / XXXX XXXX XXXX at XXXX account number # XXXX has placed XXXX collection charges claiming that I, XXXX XXXX owe monies. XXXX is placed for {$1000.00} and the other is placed for {$6000.00}. These accounts are INVALID/INACCURATE ACCOUNTS AS I HAVE NEVER HAD AN ACCOUNT WITH XXXX. This collection agency also reports itself as NCC Business Services. I have disputed three times with XXXX to have this information deleted as it appeared on my credit report on XX/XX/XXXX and it was previously deleted when it first appeared on or about XX/XX/XXXX. The CRA refuses to delete it claiming the debt is verified by XXXX XXXX XXXX with my name and social security number only but yet has no proof of the debt. I contacted XXXX XXXX XXXX via phone on XXXX/XXXX/XXXX and they told me that the debt is mine yet made no attempt to try and collect a payment. I requested proof of this debt over the phone be mailed to me ( meaning signed legal documents or contracts and lease, past payments to this creditor etc. ) and they have failed to provide any proof. I emailed them a request for proof of debt and they do not acknowledge this debt nor have any documents to prove other than stating my name, and social security number match. Since they can not provide legal proof this debt must be and should be deleted from my credit report. I have attempted three times to get this removed and they refuse to respond and have also claimed they have mailed out information to me in XX/XX/XXXX which they never have, but yet are n't trying to collect any payment from me when i demand information. They ca n't produce the information. They are lying and damaging my credit by reporting a false collection. I contacted XXXX as well who XXXX XXXX XXXX claims the debt is with and they also have no proof of legal binding lease or contract or any of my personal IDs, past payments etc. This is illegal and XXXX XXXX XXXX is reporting false information. XXXX accounts need to be deleted.
06/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30907	Web
You've paid off -33 % of your collection amount. Balance {$4500.00} Highest Balance {$3400.00} Opened XX/XX/XXXX ( 4 yrs, 10 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You've paid off 0 % of your collection amount. Balance {$2900.00} Highest Balance {$2900.00} Opened XX/XX/XXXX ( 4 yrs, 9 mos ) Account status Open Type -- Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX AKA XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX You've paid off 0 % of your collection amount. Balance {$1400.00} Highest Balance {$1400.00} Opened XX/XX/XXXX ( 1 yr, 9 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX The first civil judgement above I have asked for proof of a signed lease etc, ( being that I know there is not one ). I am aware that as of XX/XX/XXXX all civil judgements should have been removed from credit reports in which these three have not. I am requesting these three be removed indefinitely. I have contacted the credit bureau and disputed these as well with no resolution. ( The three credit bureaus, XXXX, XXXX, and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to leave he creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgments. Eviction judgements such as forcible detainer and unlawful detainer judgements, are civil judgements, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )
09/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20814	Web
I received an inaccurate invoice which contradicts information I was given by a leasing agent at XXXX XXXX. On the morning of XXXX XXXX, XXXX, I telephoned XXXX XXXX ' leasing office and spoke with a gentleman regarding their move out procedure. I specifically asked him if XXXX XXXX replaces the carpet in a unit after a tenant moves out. I explained that I had XXXX small stains in the living room and had planned on paying a professional carpet cleaning company to remove the stains, prior to moving out, however I wanted to check first to see whether or not the carpet will be replaced. I was advised by their employee, to try my best to clean the stain, but if it was not possible, not to worry about it, as XXXX XXXX often replaces the carpet in a unit prior to a new tenant 's move in. On the afternoon of XXXX XXXX, XXXX I received a certified letter from XXXX XXXX with a final invoice for {$750.00}. I contacted the manager immediately to explain the situation, however she dismissed my case without investigating the matter. I had explained that I tried to do everything in good faith -- acknowledged the small carpet stains well in advance, repainted the living room walls, cleaned all rooms, tubs, kitchen appliances, etc. Had I been told the carpet was not going to be replaced, I would have proceeded with my pending order and had the stains removed from the carpet company. I was informed by the manager that the carpet is only replaced 5 years and that the stains would not have been able to be fixed. Due to the fact I have had several issues with XXXX XXXX in the past, I made sure to take photographs of my unit on the date I moved out. The XXXX small stains are in the photo. I 'm requesting that you please investigate this matter and make appropriate corrections to my account as soon as possible as I should not be penalized for being misinformed about XXXX XXXX ' protocol. Thank you in advance for your assistance. Sincerely, XXXX XXXX
11/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 357XX	Web	Servicemember
NCC Business Services XXXX has re-initiated trying to collect a debt I do not owe. During XXXX I provided response to their collection attempts, and ultimately provided evidence to the XXXX credit reporting agencies XXXX and all XXXX credit reporting agencies found in my favor and determined that the debt collection was not valid. Now NCC is again trying to collect this same debt, about 1 year after I 've already had the credit reporting agencies dismiss this as an invalid debt and a debt that I do not owe. The company has harassed me and called me repeatedly, and yesterday XX/XX/XXXX even called my place of employment. I called them back and explained never to call me and to not call my place of employment. The representative was extremely rude and I had difficulty getting them to stop talking so that I could explain that this debt has already been proven invalid but they threatened to report it to the credit agencies again. I asked if I needed to contact the original place that levied this claim and they said no and that it had been " turned over '' to them. I have already proved I do not owe this money and now they are starting to harass me all over again. I have mailed in my credit reports showing the dismissal of this claim of debt to NCC as of this Monday XXXX XXXX ) so I did provide them written notice that I disagree and that the debt is not valid. I explained all of this on the phone but the representative was loud, would not listen to me, and said that no matter what that I owed this money and that I did n't know what I was talking about. He even said that since I work for XXXX he would n't try to tell me how XXXX works and so I should not try to tell him how debt collection works. I told him that he was not listening and that I would have to go ahead and hang up the phone since he would not listen to any rational or reasonable explanation that I was providing.
01/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10002	Web
To Whom it May Concern : NCC is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from NCC for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to NCC from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX/ XXXX or NCC. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. As a result of NCCs inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.
06/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30274	Web
I have a judgement on my account for ( evictions ). One was just placed on my account Overview You've paid off 0 % of your collection amount. Balance {$4400.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 11 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND ALSO Overview You've paid off 0 % of your collection amount. Balance {$3900.00} Highest Balance {$3900.00} Opened XX/XX/XXXX ( 5 yrs, 6 mos ) Account status Open Type Collection Account Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which these two have not. I am requesting these two judgements be removed indefinitely. I have contated the credit bureau and distputed these as well with no resolution. ( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )
05/11/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33584	Web
XXXX XXXX is providing the wrong information for a debt in order to damage my credit. They are reporting that I owe {$1800.00} to the credit bureau through NCC Business Services. They are reporting that I owe them for the month of XXXX, XXXX rent. Late fees, XXXX damage fees and a cleaning fee of {$75.00}. cable and water. I paid the rent for XXXX and water XXXX money orders were cashed. The cable was disconnected in XXXX - XXXX. The manager refused to do a walk through and the office would n't answer my calls so I took pictures of the apartment upon moving out. I cleaned the apartment thoroughly. I also stayed there for two years so any cleaning would be normal wear and tear for after two years. There was no damages or over cleaning that had to be done and I do not know what damages they are referring to. I stayed until XXXX/XXXX/2012 which I have proof of with a moving truck receipt. I believe they are trying to retaliate against me because I filed a complaint against them with the XXXX. The manager refused my payment in XXXX and filed an eviction against me. I tried to make the payment several times but she pursued with an eviction in effort to damage my credit history. When she filed the eviction, she kept my money order so I was n't able to deposit in to the courts and was granted an eviction. I moved out before the sheriff could come out and evict but I had no cable in XXXX and XXXX XXXX verified that the cable was disconnected XXXX/XXXX/2012. The {$1800.00} charge is including cable for XXXX, and XXXX. I also paid cable for XXXX even though it was disconnected. I called the apartment to question why she was reporting false information and she said take it up with collections and hung up in my face. XXXX is the only credit agency that refuses to remove the debt.
09/29/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33415	Web
NCC BUSINESS SERVICESXXXX XXXX, FL XXXXXXXXTel ( XXXX ) XXXXXXXXFax XXXXXXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify NCC BUSINESS SERVICES and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : NCC BUSINESS SERVICESor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. Sincerely, XXXX, XXXXSOC SEC # XXXX DOB XXXX XXXX, FL XXXX
10/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NV 89030	Web	Servicemember
I moved out of XXXX apartments on XXXX/XXXX/2015 on the day I moved I was told I owed XXXX dollars, so I paid it turned in my keys apartment was clean an empty gave them XXXX. Moved to XXXX XXXX homes, the lady who works in XXXX knows the lady at XXXX because she use to work at XXXX, all these people know each other. When my lease was about to end at XXXX I went to look for a new apartment. When I found XXXX I was told I had bee denied due to an adverse action from XXXX town homes, manageded by XXXX property management. I was baffled, so I immediately contacted them and they told me they could not help me because my account had been assignged to a collection agency. When I contacted the collection agency NCC XXXX, The first thing they do is make sure they have current information on you. The guy at the collection agency gave me an address for me in XXXX CA. This is where the initial deman letter went. First off I do n't feel I owe these people anything, however had I been notified about the situation in a timely manner I would have paid it to avoid it being on my credit because essentially this is an eviction. No apart ; ment will rent to you with this on your record. I was never notified about any charges and believe this apartment situaions like this you are supposed to see a judge, tnis is a judgement issue, I still would have paid it just to avoid the collection agency had I been notified about the degt. to this day I have never seen any type of paper work for this so called debt. I moved out of XXXX on XXXX and according the my credit report this was on my credit by XXXX barely 45 days. This was a personal vendetta by the XXXX apartment home because I put up a website about the shabby condition their, that is all this is about,
11/10/2018	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	GA 30127	Web
In XX/XX/XXXX I pulled a copy of my XXXX Credit report and noticed that I had an account I wasn't aware of from NCC Business Services INC- regarding an account with XXXX XXXX with an amount of {$250.00}. At the end of XXXX I started working with the original creditor and they told me that they are no longer responsible for the account and that NCC was. As I did further research, XXXX XXXX breached their own contract by violating the Arbitration Clause with charging the account off and sending it to NCC. In early XXXX, NCC began calling me demanding that I pay and I told them a date I couldn't pay at the time but did give them a date that I could. I told them the only way I would pay is exchange for pay to delete and they agreed. I made a payment via internet XX/XX/XXXX inputting my information on paper. I have been fighting with this company since XX/XX/XXXX to remove this off my credit report as they promised. Furthermore, with them knowing that the original creditor breached their contract, and NCC being in violation also, I demanded that they remove it. I have also contacted all 3 credit bureaus with same valid information on my end. All parties have 30 days to respond. NCC fails to remove and this is the 3rd attempt. Two letters were last sent out on XX/XX/XXXX via mail ( certified ) which it shows it was delivered on XX/XX/XXXX XXXX and on XX/XX/XXXX at XXXX, so they've received it, along with the 3 credit bureaus. I have warned this company with a suit followed after this if they continue to report. They have already been sued twice for the same thing. Below I have attached all the documents I have sent them regarding this account and copies of the certified receipt even to all 3 credit Bureaus.
07/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90018	Web
I contact the original creditor " XXXX XXXX '' via telephone on XXXX / XXXX /2017 regarding the " debt '' that was placed in collections and on my credit report. We made an agreement that once payment of {$600.00} has been cleared that an immediately delete this account from any and all credit reporting agencies ( XXXX , XXXX and XXXX ) would occur. This payment was processed on the XXXX / XXXX /2017 and I contacted XXXX XXXX on XXXX / XXXX /2017 via telephone and e-mail to confirm payment and removal of the incorrect credit reporting for all parties involved. The manager XXXX XXXX confirmed that the payment was received and that agreed the account would be removed from all credit reports and pulled from collections. All certified funds for the settlement amount of six hundred dollar ( {$600.00} ) was paid to XXXX XXXX on XXXX / XXXX /17 in exchange for full deletion of all references regarding this account from all credit files and full removal of the debt reporting for all parties involved. Furthermore, my family members and I have been receiving non-stop spam collection calls since this account has been reported on my credit report. I strongly believe that the collection agency involved sold my information to another third-party company regarding collection of this debt. I do not have a contract with the collection agency and have not authorize them to sell my family or my information in any capacity. I have contacted the collection agency several times via phone and certified mail regarding the harassing phone calls and e-mail to my family and I. Unfortunately the collection agency has failed to respond to my complaints.
12/17/2018	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 75010	Web
Hello, I am not usually someone who likes to complain or file complaints but I felt compelled in this situation because of the circumstances and the situation that I now find myself in. I am writing about a paid collection account with NCC Business Services. I paid this collection as soon as it was brought to my attention. This account is stemming from an old apartment that I had a balance with. I had no idea that I had a balance with them. I sent them the last payment and thought that the any monies owed were taken care of. As soon as it was brought to my attention I took care of this account and I thought that the matter was resolved. My credit score has dropped about 90 points as a result of this paid collection reporting on my credit report. Prior to this, I had no idea and I didnt receive any notification, written or verbal that I can recall in regards to this account. I cant help but feel a little cheated here because I am now trying to purchase a home for my elderly mother who is XXXX and XXXX and whos medical needs require her to live in close proximity to her medical providers office. I dont know why this systems works in a way where you are still punished for taking care of any obligations let alone obligations that you had no prior knowledge or awareness of. Seeing my mothers health decline has taken on a very heavy toll on me and Im beyond frustrated that Im unable to give her a qualify of care and comfort that she deserves due to one paid collection account that will not be deleted from my credit report. I ask that someone please assist me by putting in a request to remove this account. I hope someone can find it in their hearts to do this.
06/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 484XX	Web
NCC Business Services from Florida called me on XXXX/XXXX/15 XXXX times and asked for my mother ( I am her guardian and have POA ) but they would not tell me anything about why a debt collection company was calling her. They asked me to fax over my POA papers but I refused since I did not know who they were or what they were referring to. I thought it was over and then on XXXX/XXXX/15 the same fellow called me back. I had my mother call them and give them permission to talk to me. I called the company back later in the day and he mentioned the amount was {$2000.00} for repair of an apartment my mother had moved out of in XXXX. I thought I had paid this and told him I would look into it and call him back. When I contacted my bank, it was confirmed that I actually did pay this same amount for apartment repairs in XXXX and the bank is sending me a copy of the cleared check. So I called the company back and told them that they have the wrong information, the bill was paid and I was told to hang on. They had not asked for my name at this time or any information. It was a girl this time on the line and she came back on after a couple of minutes, apologized for the delay, and then the call was terminated. I called directly back, had the same girl, and the same termination of the call from their end. I reported this to the FBI and they suggested I report it to you as well. The name of the company they gave over the phone is NCC Business Services Debt CollectionPhone # XXXXThey were trying to get me to pay a bill which was already paid a few months ago. They are attempting to take money from the elderly. This is a scam.
11/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75039	Web
In XX/XX/XXXX, I broke my lease with XXXX XXXX XXXX located in XXXX, TX due to my requirement to go overseas. I provided the leasing office with my orders ( attached ) as well as my forwarding address. 3 months later, I discovered an open collection on my credit report on behalf of the apartment complex indicating that I owed {$210.00}. I called the collection agency NCC Business Service to inquire and was advised that The leasing company reported me for non payment of " fees ''. My credit report showed date of first delinquency as XX/XX/XXXX, which was not even 30 days after my move out. I had not received a single letter, notification, phone call, NOTHING. I reached out to the leasing office to no avail. I ended up just paying it because, i was afraid of my credit being adversely impacted. I knew that I had the right to dispute the validity of the debt, but was not given the opportunity. Nearly 4 years later, I'm still fighting to get that collection removed from my credit report. I discovered that because i live in Texas, i have the right to request Debt Validation under the Texas Financial Code. I had the letter ( attached ) mailed via USPS to NCC Business Service 's address that is listed on my credit report with signature confirmation on XX/XX/XXXX. They have yet to respond. As a result of them not responding within 30 days, that Texas Financial Code states that the tradeline must be removed from my credit report. I'm requesting assistance to get this matter resolved, as I have exhausted all my options. I've disputed that account countless times, with no success.
09/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 310XX	Web
My family rented an apartment from XX/XX/XXXX through XX/XX/XXXX. The lease was a 6month lease. During that time I incurred expenses from having to fix/service/clean the HVAC unit after the apartment complex refused. Then about a month later the entire HVAC unit went out, and the apartment was without central heating and air for about two weeks. During that time the apartment became uninhabitable and we were forced to vacate on certain days. The refrigerator also went out, which was the apartments responsibility and we lost a months worth of groceries. My family was forced to break the lease and go find a habitable residence. To make matters worse on top of having to deal with all these maintenance issues, my wife is a XXXX and her meds have to keep cool and the shear heat of the apartment can and did effect her XXXX, which was one of the main reasons we were forced to leave on the extremely hot days. I mentioned the above problems and asked for reimbursement on multiple occasions but to no avail. I filed complaints through the apartment complex, their corporate office, the XXXX, XXXX, XXXX, and XXXX. All of which were unable to resolve this issue. I later found out the XXXX could n't do anything because in fact the complex is n't an accredited business. I am now currently fighting this issue with the credit bureaus because the bill was sent to collection and it 's on our credit. The one time I spoke to the collection agency I was told they did n't want to hear my story and I owed the debt, and that if I did n't pay I 'd be reported.
04/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 74012	Web
We rented an apartment from the XXXX ( located XXXX, OK XXXX ) from XXXX XXXX to XXXX XXXX. The lease converted to a month to month agreement. In XXXX XXXX, we ended our lease after finding a larger place for our family. Over time, we decided to review our credit reports in hopes to find a home. We noticed a collection agency ( called NCC Business Services ) claiming we owed a debt of {$900.00} under a joint account. XXXX of XXXX we contacted the XXXX and spoke to an agent named XXXX who verified a cleaning fee was due in the amount of {$780.00}. I asked why documentation was never mailed to us giving us an opportunity to pay on the bill and the breakdown of the cleaning fees. The agent claims she did not work at the apartment complex during the time of the ending of our lease and was unable to provide proof of the breakdown of charges. She advised she would forward the information to corporate and will have them send the breakdown of charges to our current address ( the same forwarding address left on file ). To this date we have yet to receive any documentation from the corporate office or a phone number where they can be reached. The collection agency still shows this entry as being an active open account on our credit reports which we feel is quite unfair since we 've never been informed a bill was owed in the first place. We feel since the apartment complex, their corporate office, or the collection agency are unable to provide any documented proof of these charges, we would request this debt be removed from our reports asap.
07/05/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77429	Web
This is my second time putting together an investigation about this situation I am having with a collection company. I have decided to write a Original Creditors Dispute to whom NCC Business Services has claimed they are collecting for. My situation is that I stayed in the XXXX and I moved out in XXXX/XXXX/XXXX. The Apartment Complex was brought out in XXXX/XXXX/XXXX. I in turn sent the old apartment complex owners XXXX XXXX XXXX. So, that either one the old owner are new owners to see who has hired NCC Business Services to collect on a past due debt. No, one has taken the time out to contact me on behalf of the debt after I have sent both Apartment Complexes a certified letter asking them to give me the information on whom owns the right to collect on this debt. I sent my XXXX letters XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX XXXX. No, one has responded back with whom has the right to collect on this debt and whom hired NCC Business Services to collect on this debt. It has been over 30 days since my letter went out. I need to know what is really going on wit this debt. Because NCC Business Services really do n't have the right to collect on this debt unless it is proven by either XXXX XXXX XXXX or XXXX. I am going to provide the letters I sent out to both the Apartment complexes with the certified letter information. And recording as well to listen to on what is being talked about.
03/23/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 357XX	Web
it was a rent to own managed by XXXX al.we were told by realtor that payment would be XXXX a month with XXXX down and coul.d buy the property in 2 years.The payment ended up being XXXX a month.We had already moved in so we decided to tough it out for 2 years until we could refinance.the start date was XX/XX/XXXX.Two years later we tried to go forward with purchase at fair market value but investor didnt want to he didnt want to sell at market value he expected the price to go up and real estate prices hit the bottom.so he said to pay him the XXXX a month not to XXXX.I told him that in XX/XX/XXXX last payment we moved to hotel in XX/XX/XXXX and in XX/XX/XXXX rented another place .we had XXXX invested and lost it all thanks to these people.XXXX has the audacity to report this against my credit report and even use the wrong date .They have XXXX delinquency XX/XX/XXXX if you look at my address history you will see we did not live there so could not owe them rent.we left owing them XXXX but after our deposit and payments they actually owe us.They put it with NCC business services ( XXXX ) i have called them with no response.These people are wrong in what they are doing for one thing do n't owe them a dime and they have ruined my credit.This needs to be deleted from my credit file and the fake ledger they kept destroyed.The dates reported are no good just like their company.I hope no one else has to go through this night mare.Do not rent to own people it 's a scam.
10/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 27511	Web
I was notified that NCC Business Services was attempting to collect on a disputed rental debt on behalf of XXXX. Because the debt prevented me from being considered for future apartment rentals, I made the decision to pay the disputed debt to resolve the matter and put it behind me. This debt was paid XX/XX/XXXX. I received a letter via email from NCC Business Services that showed the debt as paid in full, and I provided the letter to the apartment office. More recently, I have applied to several apartment communities, and my applications were declined due to unpaid rental debt. This debt is still showing open and unpaid on my credit report, even after almost a year of it being paid. NCC Business Services is responsible for timely and accurate reporting to the credit bureaus for debts they report. They have failed to accurately report this account for almost a year, which has been detrimental to my credit report and has cost me financially due to apartment application fees. I contacted NCC Business Services XX/XX/XXXX to discuss this matter and obtain proof of payment. The first person hung up on me, and when I called back, the representative said my only option was to send an email request to their email address. I have yet to receive the simple letter I requested, and any acknowledgment of my request. This has been incorrectly reported for almost a year. Falsely reporting a debt to the credit bureaus is a violation of my rights as a consumer.
06/05/2017	No	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 78418	Web
I moved out of XXXX XXXX XXXX XXXX in XXXX o f 2016. When moving out I completed a walk through with the apartment manager where she i nformed me because I did not scrub the fridge out I would be required to pay for a cleaning company which would cost {$150.00} as well as {$5.00} for missing blind in the guest room. I agreed to these charges other than that the manager let me know the apartment lo oked great and wished me well. I later received a letter from XXXX XXXX letting me they were charging me to replace carpet in the entire unit whi ch was 3 years old. They claimed I had destroyed the carpet by having an animal in the apartmen t which I did not own an animal. I sent them proof of the condition I left the apartment in and received via certified mail that they had received my dispute. I then received a letter from the apartment complex letting me know they did not agree and sent pictures of the apartment that again did not match the photos I had provided and did not warrant complete replacement of the carpet and I had filed numerous complaints with the apartment complex when I moved in and was dealing with my leasing agent, XXXX . She claimed I would not be charged for the spotting in the guest room by the back patio as it was there when I moved in. I again submitted this information and I just recently found out that even though I was disputing the charges they reported to the credit company without responding.
08/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 321XX	Web
NCC Business Services, Inc with and address of XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed up on my credit report in the amount of {$3300.00}. This is from an apartment I rented several years ago. I placed a first and last months deposit down. I moved out, gave proper notice and was never given my last months deposit back as a walk through was not scheduled. Now I have this on my credit report from a company I have never hear of. They have never called me, never sent me any formal notification of the debt, no contact or notice at all. I called them when I saw this on my credit report and I was provided a break down over the phone that I owed this money for carpet cleaning, fleas, rent and late fees. I requested that information be sent to me with a break down and description of what I was being charged so I could review it and try to contact the original rental company but NCC refused to provide me anything and said they could not provide me with any information. This is a bogus debt and I have disputed it on all XXXX bureaus just to have them come back and say it is not being removed. I do not understand how to resolve an issue that I ca n't even review documentation on. How can you pay on something that you do n't even have supporting evidence of and I know that the fees are not accurate or valid. I gave proper notice and was never given anything by the original apartment complex advising me of what NCC is now saying.
05/30/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 923XX	Web	Servicemember
I broke a lease on my apartment on XX/XX/XXXX. I had a job that was 70 miles away so I had to move closer. I gave the apartment manager a 60 day written notice and moved out officially on XX/XX/XXXX. The lease stated that I had to pay until they got a new renter or until the lease was up. They got a renter by XX/XX/XXXX meaning I would owe them for 1 month. I gave them a forwarding address, that they claimed I did not. However, I have had the same phone number since XXXX, so they could've called me for it. To continue, the renter wanted the apartment remodeled, so they chose to charge me for that time as well. So they charged me for 2 months plus they added pest control charges of {$350.00}. I didn't even get a bill in the mail from XXXX XXXX XXXX in XXXX XXXX, Florida. They sent it to NCC Business Services on XX/XX/XXXX who directly put it on my credit without even attempting to bill me. I told them when I called that I didn't owe for 2 months or for pest control. The manager of XXXX XXXX said she would take the pest control charges off but that I had to pay for the time that they were remodeling because my lease wasn't up. I contacted NCC and they forwarded my complaint to XXXX XXXX. When I called a few months later, NCC stated that XXXX XXXX said that they would drop the bill to {$1200.00} and that if I paid the bill, they would mark it as paid in full on my credit. I asked for that in writing and I never got it.
06/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 31206	Web
Account Name : : NCC BUSINESS SVCS INC,XXXX ... I have a judgement on my account for ( eviction ). One was just placed on my account Overview You've paid off 0 % of your collection amount. Balance {$1800.00} Highest Balance {$1800.00} Opened XX/XX/XXXX ( 3years 5 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX ( XXXX ) XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which this one have not. I am requesting this one judgement be removed indefinitely. I have contacted the credit bureau and disputed these as well with no resolution. ( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX.
10/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 374XX	Web
NCC Business Services , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Toll Free Fax ( XXXX ) XXXX ( XXXX ) XXXX I received a notice from XXXX on XX/XX/XXXX. NCC is actively seeking to collect a debt of XXXX dollars placed by a manager of XXXX XXXX XXXX XXXX/XXXX against me. However, I have called the manager and found out this debt is a mistake on the managers side. In other words, the debt of XXXX dollars is invalid. The attached email discussion is the written proof that this debt is invalid and the manager did request NCC Business Services , Inc. to remove the account of collection on XX/XX/XXXX. Such request of the manager is the manager 's second attempt to contact NCC and correct the mistake. In addition, I also disputed the validity of the debt via mail and fax on XX/XX/XXXX. In the certified mail and faxed materials, I attached the same proof to establish that the debt is invalid. However, I received another mail against my dispute from NCC on XX/XX/XXXX. It is obvious that as of XX/XX/XXXX, NCC is still actively seeking to collect this false debt of XXXX dollars which was mistakenly placed under my name, in spite of the original creditors and my efforts to correct the mistake. The enclosed information NCC sent in that mail was both outdated and probably from the managers initial mistake without any reflection of the original creditors and my efforts to correct the mistake.
03/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 279XX	Web
In XXXX of XXXX I rented from an apartment complex. A balance of {$1900.00} was sent to collections in XX/XX/XXXX that was no longer my responsibility. Once a balance is sent to collections, the original creditor has written the balance off on their taxes and you are no longer obligated to pay any owed balances. That apartment complex also went under new property management in XXXX of XXXX and the new property management company paid for and assumed all debts, and again, I was no longer responsible for or obligated to pay any past due debts. I have disputed this with the credit bureaus and the collections agency says the balance is my responsibility. The collections agency stated to remove this off of my credit that I needed to provided documentation to them stating that I no longer had a balance. I provided the information to the collections agency and they are still trying to collect for their own purposes and will not remove this from my credit report nor accept the documentation showing that I do not owe a balance which is what they asked for. I have contacted the former property management company ( via email and phone ) and I have also contacted and received documentation from the new property management company. The collections agency that has this balance refuses to hear any explanation, refuses to accept documentation, and refuses to remove this from my credit report.
01/04/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33603	Web
I moved to XXXX from XXXX XXXX in XXXX of XXXX, in which I signed a lease at the XXXX XXXX beginning XX/XX/XXXX. In XXXX of XXXX after only living there a few months my father fell very ill in XXXX and I had to pack up my things and move back to XXXX. Within 3 weeks, he died on XX/XX/XXXX. I communicated effectively to my property management company with what was going on and they comforted me that everything was fine and they could find someone to sublet my property for the remainder of my lease. Just a few weeks following, I had a reported collection on my credit report for the remainder of the lease due and an eviction notice which I was not even aware of until an old neighbor and friend found it on my door. At the time as a recent graduate with mounting XXXX student loans and minimal active credit this completed wrecked any progress I've made. Fast forward to today, they have now filed a judgement in my name despite serving me with any paperwork, any calls to try and make a payment plan or any authorization that this would be escalated further. I have hired credit repair services, sent letters, tried to call and nobody can even seem to produce my original documentation. I was naive to believe that they would have helped me in a time of crisis. This is now effecting my personal credit as well as my business as I can not finance equipment for my practice.
01/11/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33610	Web
A letter was sent to NCC Business Services on XXXX XXXX, 2015, via fax number that is provided on their website. After over a month of not receiving a response to my request, a letter was again sent out to them on XXXX XXXX, 2015, in which as of today, I have yet to receive a response to. At this time they have failed to validate the debt but since XX/XX/XXXX, they continue to report this to the credit bureaus ( all XXXX ) which I have documented proof from all XXXX credit bureaus, and they have failed to mark the account as consumer disputes this account. I contacted their office on today and spoke with XXXX XXXX, who identified himself as a supervisor as I asked to speak with the compliance officer or office manager after speaking with XXXX XXXX. According to XXXX XXXX, they never received the XX/XX/XXXX letter but received the XX/XX/XXXX letter. I advised him that it was sent to the fax number listed there on their website. He was very rude as I told him at no point did they mark the account as in dispute with the credit bureau. He stated he would try to get something over to the bureau to do so now, I advised him that it was too late as this would also be reporting inaccurate information as the initial dispute was 3 months ago. He refused to provide me with a contact name or allow me to speak with the officer manager as he stated he was " The Manager :.
02/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23236	Web
I don't understand how your company can list a fraudulent collection for services never rendered, due to substandard health conditions and a breach of contract. XXXX XXXX management did not have the apartment ready upon arrival. The kitchen cabinets were still on the ground in the kitchen, and the entire unit reeked of 2nd hand smoke that caused allergic reactions in my XXXX year old son, and within a few minutes latter my wife developed breathing problems. XXXX XXXX 's management employee would not accept the keys as it was XXXX minutes past XXXX XXXX. So I returned the next day to return the keys, after locking up the unit and not spending one day or night in the health hazard apartment. We drove away to my wife 's relative house to spend the night and on the 2nd day found a suitable apartment at XXXX 's XXXX in XXXX, XXXX XXXX. Call them yourselves and inquire about my payment history as you already see in my history record. Ask yourselves, why is the only collection action on my report from XXXX XXXX after 3 years? It's because they breach their agreement about having the apartment ready and it being a non-smoking unit. They failed to comply. Why are they supporting their collection actions by retaining it on my credit report. The collection agency is Florida based, and neither Virginia based nor is the apartment complex located in Florida.
06/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32808	Web
I have a judgment on my account for ( Eviction ) account overviews youve paid off 0 % of your collections amount balance {$3400.00} highest balance {$3400.00} opened XXXX XXXX ( 4 yrs,6mos ) account status. Open type collection Responsibility Joint.remakrs account information Disputed by consumers meets FCRA requirements.original creditors name XXXX XXXX XXXX XXXX closed No info NCC Business service XXXX XXXX XXXX XXXX, Fl XXXX..the civil judgment above I have asked for proof o account ( validation ) proof of a signed lease etc, bring that I know there is not one I have not been furnished with anything .i am aware that as of XX/XX/2017 all civil judgment should have been removed from credits reports in which this one have not.i am requesting that this judgment be removed indefinitely. I have contact the credit bureau and disputed the account as well with no resolution ( the three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various states Attorney Generals, agreed to the creation of the national consumer Assistance plan ( NCAP ) for companies that used credit reports the biggest change will be in the decreased reporting of public records, specifically Tax liens and civil judgments such as forcible detainer and unlawful detainer judgment and thus they will disappear from credit bureaus reports in XX/XX/XXXX..
08/01/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AL 36092	Web
I have disputed this account with the credit bureaus before and the account always came back verified. Around XXXX XXXX, 2016 I sent a letter to NCC Business services requesting validation of the debt. As of today, they have not responded. I sent a dispute in to the credit bureaus on XXXX XXXX, 2016 stating the fact that they have not responded. The results came back as the account was verified. How is it that NCC verified the account with the credit bureaus when they did not comply to my request for validation? This is a clear violation of my rights as a consumer. I also recently found out that NCC has been sending notices to my ex wife requesting payment for the debt. Again, how are they continuing collection activities when they have not responded to my request for validation. I never received notice from NCC within the first 5 days of them acquiring the account and they have not ceased collection efforts which is a violation of FDCPA 1682G. They are also reporting this account incorrectly. On my most recent credit report the status says that there is a past due balance of {$520.00} but it also says there 's a balance of {$220.00}. If they ca n't even report the balance correctly and they are n't willing to show me proof of the debt, how I am to believe that they know what is really going on with this account and that I owe them?
03/28/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 35244	Web
Apartment complex upon exit at the end of my lease claimed that there was carpet damage " pet stain ''. They wanted me to pay {$350.00} for replacement. I disputed the charge and asked for evidence since I had not pet and there was never a pet in the apartment. The carpet was in the same condition as when I moved in 12 months prior. Without any further explanation or proof and with no consideration or response to my dispute letter, this was turned over to a collections agency. I again disputed the claim and asked the collections agency to allow the claim to be worked out between myself and the Apartment complex. I received no explanation nor any further correspondence. Subsequently, I received a notification in XX/XX/XXXXthat my credit rating had dropped around 100 points due to " bill collection ''. I am XXXX years old and working hard to build credit. A 100 point drop over a {$350.00} claim seems very drastic especially given the lack of response or respect for fair billing and fair collections. The Apartment complex is called Arbors at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, Al. XXXX. That property appears to belong to XXXX XXXX ; address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. The collections agency is NCC Business Services , Inc. located at XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX ; phone : XXXX
03/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 36507	Web
I tried applying for a rental home in XX/XX/2017 and was denied due to finding that I was charged {$300.00} from my previous apartment complex. I called the XXXX XXXX leasing office and was told I was charged for carpet due to not being cleaned prior to leaving. The home and carpet was in good condition normal wear for XXXX year living condition. I was not aware that I should have it cleaned as most apartments improve the units with painting and carpet upgrades. Upon trying to get approval of the home I was directed to pay the debt and reapply. I paid the debt with the collection agency in which I did not have a contract with NCC Business and asked for it to be deleted upon payment and a receipt. I was denied for the home with payment due to the account negatively reporting. I recently applied for another apartment and had to pay the highest deposit due to the NCC Business account reflecting on my credit report. The account is severely affecting my renting reputation as I have never been late on a payment and was not aware of the charge. I have paid the debt and sent the company letters asking to delete and remove the account from each of the 3 credit bureaus with no response. I would like for the account to be deleted/removed from my credit report/history as I was not aware of the debt and paid the balance in full.
05/30/2019	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	FL 34683	Web
NCC Business services has been reporting incorrect information to the credit bureaus subsequently negatively affecting my credit score. Ive disputed this alleged debt because the amount is incorrect and by a large amount. After countless disputes and making no progress I decided to send Ncc Business Services a letter requesting validation of the debt. What I received does not validate, provide proof or even could be considered an attempt to produce adequate supporting documentation. Theres nothing in the documents that explain and or address the different line items that I allegedly owe. This derogatory will not go away and I don't understand how they can report erroneous information to XXXX and XXXX without going in front of a judge and obtaining a judgement. Im going to be moving soon and I fear that this collection account may become a major obstacle when it comes time for me apply for leases and or mortgages. At the least I would think it's fair to say that they may be guilty of fraud and defamation of character and pursuing litigation will be my next step if that indeed is my only option. In the interim I think they need to stop reporting this information until they can provide proof. Thanks for your time and I hope this at the very least might help someone avoid this company altogether.
11/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NH XXXXX	Web
NCC XXXX XXXX VILLAGE/HOUSING MGT/S {$300.00} NCC XXXX XXXX VILLAGE/HOUSING MGT/S {$600.00} I have lived up to my agreement and nothing is owed by me. I understand that the property XXXX, XXXX XXXX, was quite annoyed by the complaint I submitted to her home office about her, but there was no need to engage in a petty attempt at retribution against me and costing NCC to service a fictitious bad debt note. MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XXXX/XXXX/XXXX Monthly payments of {$850.00} were due on the first ( 1st ) of each month, and considered late on the sixth ( 6th ) of each month. And, as the original lease reads, the monthly rent was a flat {$850.00} XXXX see attached XXXX XXXX XXXX. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater. DOCUMENTS INCLUDED : Page XXXX of the Original XXXX XXXX XXXX XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX
01/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CT 06095	Web
In XX/XX/XXXX I rented an apartment with XXXX XXXX. I vacated apartment upon lease end and provided proper notice to building managment, which was non-existent at the time. Months later I receive phone calls stating that I owe a balance for three months of rent, spanning outside of the leasing agreement. I have disputed these charges numerous times through out the years until most recently on XX/XX/XXXX, when I decided to contact the collection agency directly. I was given incorrect information. I was informed that the account had been closed and that a deletion request would be sent. Now in XX/XX/XXXX, I realize this account remains on my credit report. I reached out to them again and found out to my surprise that the wrong account was pulled up back in XX/XX/XXXX and that someone else 's account was deleted, and that I therefore still owe for this apartment from XX/XX/XXXX. I continuously as for supporting documents, to which I dont receive. Neither have I ever received any written correspondence regarding this alleged debt. I have reached out the municalities in the town where this apartment is rented, and there are no court motions or correspondence validating these charges. Please help, as my hand are tied at this point and my credit is continuing to suffer. Kind regards, XXXX.
10/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34601	Web
I called the NCC Business Services XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ; to try to make a settlement agreement. They told me that I would need to pay 10 % ( {$150.00} ) then make $ XXXX monthly payments until paid off. I explained that I could do this on XX/XX/XXXX. To pay the {$150.00}. I also then requested a written letter to be emailed, faxed, or mailed to me stating the agreement to settle with payments. XXXX XXXX then stated that they do not give written proof of agreements. That they will only give me something in writing after it is paid off XX/XX/XXXX. That if they gave me something now to prove it was settled then I could give that to whomever I needed verification for and they would n't get paid. I have tried to call back several times to speak to someone else or a supervisor, but I keep getting hung up on. I was told by XXXX at the CFPB that they are required by law to give written repayment plans prior to the first payment being made. I called again today @ XXXX, again was transferred to XXXX XXXX . I requested my Account Number, and he asked how I would be making a payment. I told him that I would not be considering he refused to give me anything in writing. He stated again that they by law did not need to give me anything regarding the payment arrangements.
07/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MA 01701	Web
An apartment management representative with a personal vendetta claimed that I caused damage to an adjacent apartment. She notified me in writing four days before I was scheduled to move-out. In the letter, she claims that because of a water leak and my negligence I am responsible for {$7.00}, XXXX of damages to the apartment bellow. 30 days later, the firm submitted my erroneous and unsubstantiated debt to a collections agency. The collections agency then quickly furnished this damaging information to the major credit reporting agencies. I requested the collections agency to substantiate the debt, and they mailed me copies of the following documents : the aforementioned letter, a hardware purchase order invoice of {$3200.00}, my apartment 's " move-out inspection '' checklist completed and signed by the firm 's maintenance man and me ( illustrating our agreement of the damage-free condition of my apartment ), the lease agreement, and a " security deposit accounting '' document which shows the amount due to owner as {$7.00}, XXXX, yet all of the credits do not add up to that figure. It 's as if the firm simply invented a number and the collections agency blindly accepted it when the numbers do not add up to my reported debt amount. Unacceptable and unfair.
03/30/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55082	Web
I moved out of my apartment ( XXXX XXXX, XXXX, NV ) on the XX/XX/XXXX. I went into the office and said ok I am ready to move out, I just need to get my mattress out of there. XXXX told me to take my time and leave the key in the drop box. I shouldn't have trusted her. I was told the rent would be prorated. They are now saying I moved out on the XX/XX/XXXX. They are charging me almost 400 $ extra for rent and XXXX $ for fees. I was first told about my extra charges in XX/XX/XXXX and I was disputing them with someone from XXXX ( not someone from the apartment ). They did not care what I had to say and hung up on me. I then tried emailing the apartment in XX/XX/XXXX. They didn't get back to me. I then got a letter from a debt collector. I tried calling them and saying that the amount was wrong and they said it didn't matter. It is now XX/XX/XXXX. I tried to dispute the debt online but there is no account set up for me on XXXX which is confusing. how am I supposed to even pay my debt? I HAVE to call them? they were rude to me on the phone before. This whole thing is unfair and a huge mess. I am getting scammed by my old apartment. You can check my credit card statements. which make clear that I left Nevada on the XX/XX/XXXX and came to XXXX, MN.
05/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated shouldn't respond to lawsuit	GA 30127	Web
My complaint is with NCC Business Services , Inc . XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. Back on XXXX XXXX, I called in to set up a payment arrangement to pay the amount i owed which was {$250.00}. However, It was way past the 90 days of my having this particular debt. When I called and made the payment that 's when they put the paid collection onto my credit file which is lawfully wrong. I spoke with a gentleman and he asked me a couple questions, which was as quoted " are we reporting to the credit bureau if so if you can make this payment '' XXXX I can get this account updated and remove from your credit file. This is a big dishonest agreement they made with me because they did not remove it as promised. Once they finally recieved payment, they updated it as paid collection ''!!!!! I then have called to speak to corporate and supervisors about this matter because it is not fair to me. THEY LIED TO ME IN THE ARRANGEMENT AS FAR AS PAYMENT!!!! I also informed them that I have a recorded call from when I originally spoke to call in to make arrangements. They then said they would pull the call also. THEY LIED TO ME!!!!! VERY DISHONEST COMPANY AND THEY WILL BE GETTING SUED IF THEY DO NOT REMOVE THIS LIE THEY HAVE CREATED.
02/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 17110	Web
My son ( XXXX ) fianc ( XXXX XXXX XXXX ) and my self lived in a two bed room town house that we were renting. The bathroom leaked and we had a flood that went through the ceiling to the first floor the flood was serious and XXXX from the bathroom went through the ceiling as well. Instead of them fixing the problem they just brought fans in and cut the ceiling out. That night we had to sleep at a family members house. They told us the next day that they fixed the problem so we came back but had a family friend who does work in that field expect the house due to my fianc being XXXX XXXX XXXX and my son having bad XXXX. He checked the house out and stated the house has a lot of mold due to the problem not being fixed they just patched it up. I spoke with the office and he told them the concerns and health hazards that could occur. My fiancs doctor told her it wasnt safe for her to stay in the house due to Mold. Again we slept at a family members house for them to try to fix the problem we came back and they just were making excuses of why it wasnt fixed. I gave them a two week notice due to it being a health hazard for my XXXX fianc and son and they stated they were in agreement and recently we got that place on our credit
04/11/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91730	Web	Servicemember
The amount I am disputing with this company is {$120.00}. On XX/XX/2017 - I applied to be a resident at this property. The day of application, the property had free application fees waived on approved credit. Since my application was approved, the company was only authorized to withdraw {$100.00} from my bank account. The {$100.00} was for a holding deposit. Therefore, I set aside {$100.00} for this withdrawal. Instead of the company withdrawing the authorized {$100.00} -- they attempted to withdraw {$190.00} -- {$100.00} for the holding deposit and {$95.00} for the application fees. My bank denied the transaction and I was charged a bounced check fee of {$35.00} with my bank -- I have called their office multiple times and I have never received a response nor have I gotten my call picked up in attempt to resolve this. XXXX XXXX first attempted to collect {$220.00} - {$25.00} NSF fee, {$100.00} cancellation fee and the {$95.00} application fee. After disputing, the company removed the {$95.00} application fee but will not remove the other charges that are clearly their fault. The {$100.00} cancellation fee and the {$25.00} NSF fee. This company has continued to collect and refuse to respond to any of my messages.
04/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33619	Web
I have mailed 2 dispute letters and 2 letters by certified mail on XX/XX/2017 and XX/XX/2017 for removal of multiple inquiries on my credit report. I have disputed those as not valid. I did not sign any contract nor did I authorize for those collections accounts to be added and definitely did not authorize for those inquiries to be added. I have XXXX reported hard inquiries with experian and only XXXX of them I consented to. They have not responded to my request to have those inquiries removed and furthermore there is no way they could have investigated these within 30 days because I never received a response at all but they did respond to the collection accounts being removed but I have yet to receive any contract with my signature. I have XXXX accounts in collections that I have specifically asked for validation of that debt and for something to be sent to me with my signature stating that I consented to anything, they have failed to provide that as well. I am disputing this because they have failed to provide me documentation to keep reporting this account. I am trying to purchase a home and these hard inquiries and collections are showing a sign of financial trouble and that is not the case at all.
04/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28208	Web
I have been a victim of identity fraud. I have never had any apartments in my name. I've recently been working to get everything cleared up on my credit, I have filed an FTC report, a police report, I submitted numerous documents that have my correct information on it noting where I lived during the time of the fraud, a driver 's license and a copy of my social security card. I have disputed the accounts numerous times with XXXX and they will not help me at all. They keep saying I own the accounts when I do not own the accounts. The other bureaus have cleared my record and have been most helpful with getting this issue resolved, but XXXX does not care to help me. I've called multiple times and spoke with numerous representatives to no avail. I need these fraudulent accounts removed from my credit report, I can't afford a lawyer since I am a college student. I dont know how many times I have to dispute the accounts with XXXX. Please help I thought the ftc report would help prove my case, but XXXX doesn't care about that or my police report submitted. The accounts that have not been removed are XXXX XXXX XXXX for {$90.00} and XXXX XXXX XXXX for {$11000.00} and NCC business services for {$3600.00}.
09/29/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29210	Web
I called company to gain knowledge on what account was for and they spoke to me very unprofessionally and with an attitude. Company failed to validate debt within 30 day period. I sent out two verifications letters on XXXX XXXX, 2017 and XXXX XXXX, 2017 both were signed for on XXXX XXXX, 2017. An agent signed for both but failed to date not one but both of my return receipts. I tracked my letters and was able to verify the date of receipt. They never responded to me. I notified all credit reporting agencies about their failure to respond within 30 days of my initial dispute now they are attempting to make contact to verify after I reported to CRAs that they never responded. Upon tracking notice left on door it is from XXXX, Florida. I am not expecting mail from anyone there and this is where they are located. I havent went to pick letter up because post office has closed. I no longer live at address I am homeless because I lost my job no one will rent to me because of false information reported. Renting anywhere is impossible because of them. I occasionally check mail at previous address. They are ruining my Credit and violating my rights. My letters were sent in XXXX, it is now the end of XXXX.
01/09/2018	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NC 28277	Web
I lived in XXXX XXXX XXXX XXXX for 3 years and always paid my rent on time. I had a walk thru my apartment before leaving, after I cleaned it and was told that I will not need to pay any cleaning fees. I told them to write that on paper and was told that there was no need. 6 months later there is a {$510.00} collection fee on my credit report by NCC BUS SV. I contacted XXXX XXXX and asked them to speak with the manager who did the walk thru and they said I can not and that I should pay the collection company. The charged me astronomical fees for cleaning. They said it was too late for me to do anything. I had moved to another state, XXXX and gave XXXX XXXX my address. They were sending me the bills to my apartment despite knowing I moved. They sent the bill of {$510.00} to the apartment address even though I moved. I called the collection agency and they only had my apartment address. The representative from the collection agency told me he agrees that I was done wrong and that I will need to contact XXXX XXXX XXXX in XXXX. Now NCC BUS SV collection is showing on my credit report {$510.00}. Upon reviewing google reviews I am not the first person this was done too by XXXX XXXX XXXX in XXXX.
04/18/2019	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	TX 75460	Web
I moved into XXXX XXXX, XXXX, Tx, XXXX of XXXX me and my girls XXXX and XXXX loved it there. I never not once was late paying my rent all the way up to being made to move out in XXXX of XXXX by a landlord XXXX XXXX. She claims that when I moved out that I left {$1600.00} damage to the apartment and that's a LIE, I was on a low rent program and I wouldn't have done anything like that to get me throw off the program. I did turn her into the XXXX XXXX XXXX and they came out and after that she gotten mad at me and wrote me up and wouldn't renewal my lease so I had to move out and I did but I didn't do anything to damage that apartment I promise. By her lying on me and damaging my credit report I haven't been able to rent a place of my own for 3 years now me and girls having to stay where we can place to place with family and friends and it is not fair for one woman to have that much power to keep me from having a place to call home. She mistreated a lot old people out there and still work there and the company just don't understand or care one or the other. But all I want is for this to be resolved and removed from my credit report so I can get a place to call home. Thank you in advance.
05/31/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 74011	Web	Servicemember
In XXXX XXXX I gave verbal notice that I would need to move to a smaller apartment, I was approved for a 1bedroom and I was living in a two be droom. In XXXX I gave written notice that I would be moving at the end of my current lease ( XXXX / XXXX / XXXX ). On XXXX XXXX , I received a 24hr notice on my door. I moved out, leaving the apartment clean and empty. Because the office was closed, I returned the keys in the mail drop, the office staff was in XXXX XXXX . I was having financial trouble and was behind on my rent. I was able to pay all but XXXX before I left. My deposits of XXXX were returned to account. After I left I received a bill stating that I was still on a lease that had 8 months to go and that there were other charges as well including lawyer fees. I proved the lease was up and that I had notified them in writing properly before leaving. The 8 months were removed but the other fees remained. I have the lease and the customer accounting sheet showing payments and charges. The original company was sold for bad management and all staff fired but the collection company refuses to correct it. I have been trying to get this removed since that time.
08/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75074	Web
I moved from XXXX ( apartment complex ), XXXX Texas and wrote a check for the amount of {$130.00} on XX/XX/XXXX. Check # XXXX was cashed on XX/XX/XXXX. I was turned over to collections in error by the leasing company. I was not notified that I was turned over to collections until I applied for a credit card in XX/XX/XXXX and I contacted the agency and they said, yes I had collections with them. However, I was never called nor notified via mail about this debt that I did not owe. I had discussions with the collection agency that this was in error and then I called leasing company and they stated they would send the appropriate documentation. I then followed up with the collection agency in XX/XX/XXXX. Instead of deleting the account, it was closed as paid in full, but I never paid the collection agency any funds. So why would it state " paid in full ''? It was discussed in XX/XX/XXXX that the account would be removed from my credit history with the collection agency. When I applied for a car in XX/XX/XXXX, this still showed on my credit report and credit agency refuses to remove this. I have sent documents to them twice indicating that I never should have owed those funds.
12/19/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ XXXXX	Web
The entire premise for the 1st and 2nd complaint towards NCC Business Services was that when I called on XXXX/XXXX/XXXX I was told this account was open, when in fact my credit report showed it was closed ( proof is attached to 1st and 2nd complaints ). The representative offered a settlement which I had been told for 4 years they did n't do. Then on XXXX/XXXX/XXXX my credit report showed the account was back open ( proof is attached to 1st and 2nd complaints for this as well XXXX. I want an answer as to why I was told it was open on XXXX/XXXX/XXXX when it was n't according to my credit report and then they opened again the next day?! They did n't respond/answer to the reason I wrote this! Why was I told it was open on XXXX/XXXX/XXXX when it was n't and then they reopened it on XXXX/XXXX/XXXX after miraculously offering a settlement when for 4+ years they couldn't/would n't!? I have submitted proof of my credit report reporting and their calls are recorded. Pull the call on XXXX/XXXX/XXXX and listen to the fact that I ASKED IF IT WAS OPENED and was told YES and that they are COLLECTING ON IT - which was FALSE according to my credit reports and that it was CLOSED.
08/02/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23237	Web
I was notified by XXXX on XX/XX/18 regarding an alleged debt being reported on my credit report from NCC Business Services. I have reason to believe I do not owe this debt because I was never notified by the original creditor or collections agency. I called to NCC Business Services on XX/XX/18 and spoke with XXXX XXXX who verified my name and date of birth. I also notified her when asked to verify my address that she had the incorrect address. However that I'd like to clarify that I am not acknowledging or accepting that I owe this debt. In turn I asked if her company was licensed to collect said debt in my state. In turn she responded that it was public record. I asked for the company 's license number and she refused. I then asked for a supervisor ; I spoke with XXXX XXXX who in turn would not grant my request. After a debate I paid the alleged debt. Only to find out that NCC Business Services is not licensed in Virginia to do business. Scc ID : XXXX has been revoked. No documentation showing that I am responsible for this debt, or a copy of any judgment ; was ever received. No documentation showing that they are licensed to collect debts in Virginia. I
07/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 212XX	Web
XX/XX/XXXX - Received phone call from NCC Business that I owed an outstanding balance on an account upon moving out of apartment complex XX/XX/XXXX - I stated that the balance was indeed paid however there was an incorrect fee of {$100.00} charged from the apartment complex. When asked for clarity, the collection agency stated that the apartment complex records showed that I did not have renters insurance and therefore charged me a fee of {$100.00} for not being compliant. XX/XX/XXXX - After several conversations with NCC Business , I submitted via email a copy of my insurance agreement that showed that I was in compliance while residing at the complex to XXXX XXXX of NCC business. I never heard back from NCC and when I pulled my credit report in XX/XX/XXXX , I noticed that this item was listed. XX/XX/XXXX I submitted a dispute via a XXXX & XXXX and it was not removed. XX/XX/XXXX I submitted a letter disputing this item on my credit report and received a letter from XXXX of the credit bureaus that this is a verified item on my credit report. I submitted the email and attachments indicating that this item needs to be remove but no such luck
08/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30096	Web
I was evicted by XXXX XXXX and XXXX XXXX XXXX XXXX. I was being harassed so badly by NCC business Inc. so I paid NCC Business services in full XXXX XXXX, 2016. NCC Business Services Inc never validated that XXXX owed the debt and the also refuse to submit validation of my dispute. NCC has not provided proof of payment in writing to me or XXXX XXXX, NCC continues to report the debt as unpaid on our credit reports for my Son and I. I have called and requested a letter to validate they were paid in full and the representatives including Managers, XXXX XXXX, XXXX and XXXX fail to provide written proof. The funds were removed from my checking account but is still showing as debt outstanding on my credit report as well as my son 's credit and he was denied an apartment for rent because of this. NCC also are still reporting to XXXX XXXX this debt is still owed. NCC Business Services also refused to verify payment to the property management company where XXXX applied for housing. As a result the price for the home has increased and he was not approved. I dispute this information because I paid {$2300.00} electronically to NCC Business Services XXXX/XXXX/2016.
04/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75019	Web
I moved out of an apartment complex ( XXXX XXXX , originally XXXX XXXX . when I moved in ) and was charged for rent and fees that I did not owe. I spoke with the apartment manager an d gave the appropriate notice via the lease that I would be moving out. I was told everything was in good standing by the apartment manager. A pparently, this person did not work for the complex when I tried to reach out upon my discovery that charges had been placed on my account. I understand the apartment complex had been bought by XXXX XXXX during my lease and possible confusion occurred, as well did staff changes. I do not owe this money or the added fees. I received no notices forwarded to my new address. I only discovered this debt via my credit report that this had been filed when seeking a rental property XXXX XXXX . I subsequently filed disputes with agencies. This was immediately removed from XXXX and is also not on my XXXX report. I have filed multiple disputes with XXXX , only to receive a response that the dispute was settled ( no further explanation ). These charges by NCC Business Services has remained on my XXXX credit report.
02/22/2017	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93551	Web
My daughter had an existing balance of {$2200.00} after her freshman year of college at XXXX College. We had everybody intention of paying the balance prior to her returning for summer session, however the financial sent the outstanding amount to credit collection company. We never received any information from the school that they were sending the outstanding balance to collection and are n't disputing that we owe the money and will/want to make arrangements to make the payments. My issue is we contacted the collection company to make payments arrangements and they 're charging us a fee of {$1100.00} for the account going to collections. I find this fee to be absurd and quite honestly its borderline criminal extortion! We have ZERO issues paying the balance owed but a 50-60 % fee charge has to be illegal. I spoke with the collections company management and attempted to resolve the situation and make payment arrangements however they refused to work with us, saying their fees are what they are and we 'll have to pay them the {$1100.00} extra in order to get the collection ls account settled. Any information or assurance would be greatly appreciated..
02/27/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 79705	Web
I have disputed the validity of this debt for almost 2 years with NCC BUSINESS as well as with XXXX, XXXX and XXXX. They continue to send me notification that this debt has been validated without providing physical proof. On XX/XX/2018 I contacted the company that they allege that I owe debt to and they have no record of any debt being owed to them by me. NCC BUSINESS stated to me that they do not own the debt and that they are a 3rd party collector. When I asked who do I need to contact in order to resolve this matter I was told the company that they were collecting for was called XXXX and when I asked for their location and contact info, I was told by the collection manager at NCC BUSINESS, XXXX XXXX to " XXXX '' it. My XXXX search provided several results none of which I am able to pinpoint without further information but I also feel as though I should not have to search to find out this information. It should have readily been provided to me upon request in order to protect my rights. I have not been provided the accurate information on this debt and inaccurate information is being reported that is negatively impacting my credit.
01/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60440	Web
I have contacted this debt collecter, as well as the credit bureau, multiple times to file complaints. No proper action has been taken and this has been going on for at least a year. NCC Business Services was given an account with my name on it that I do not owe them. The original creditor, XXXX XXXX " XXXX at XXXX XXXX '', has put a public record on my XXXX credit report that has a satisfied amount of XXXX. However, NCC Business Services at the same time has put a collection account regarding the same specific matter with the amount of XXXX, double the original amount, on my Equifax credit report also. I have contacted NCC Business Services multiple times, explaining to them that they are double reporting this matter and falsely representing the character, amount, and legal status of the debt. But no one will listen and remove this debt collection account. Therefore, it has been ruining my credit for the past yr and a half. I have been advised this is illegal what they are doing and I would like it to be corrected as soon as possible. I have physical proof that this matter is being reported twice on the same credit report.
03/22/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32082	Web
I had a lease with XXXX XXXX XXXX in XXXX XXXX, FL. After months and months of complaining, the office manager XXXX XXXX told me in person I could break my lease with a 15-day notice and no penalties. I also have this via email. She has now backed out of it. I gave my 15-day notice, and she has sent me to a collections agency, NCC Business Systems. NCC is stating that the office manager was not allowed to tell me that I could break my lease. They're stating that I needed to go to XXXX XXXX XXXX. This is inaccurate information, and nobody is helping me, even though this is in writing. XXXX XXXX has been with this apartment complex for many years, and she knows what she does and doesn't have permission to do. And if that is the case, it is between XXXX XXXX XXXX and XXXX XXXX. I made this decision to move forward because of her email and her promise to me. I can not pay the {$3000.00} they are trying to collect from me. And they are also threatening to damage my credit over this. I have several emails and complaints about this property that were never handled. Please reach out to me if you would like more information.
05/01/2017	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 013XX	Web	Older American
I was served an eviction notice XXXX XXXX and hired landlord tenant lawyer to handle my case which was dismis sed for lack of burden of proof with the stipulation I had to go thru a third party for anything concerning my apartment at XXXX XXXX XXXX XXXX . XXXX , XXXX , XXXX . I locked myself out, had to have management let me in, eviction went thru because of this and I was evicted XX/XX/XXXX . Constable did not follow the law, moving company did not follow the public safety law, I am not legally responsible for attorney fees or court fees according to tenants rights laws. I have called every agency known to man to rectify this and hire a lawyer. All the Bar Assoc. recommendations w ould not return my calls. Because of the abuse of tenants rights I am barred from getting housing. I am homeless, my property is in my storage but smashed and dumped by movers who demanded CASH to put it in my unit. Even though there are laws to protect me, there is no one to le gally help me. As of this moment I am speaking to an attorney who said I should sue. Great where can I get a lawyer?
07/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92614	Web
We disputed the charge of {$880.00} and filed a lawsuit at the XXXX XXXX Small Claims Court the case no. is XXXX. The court ruling was in our favor and we do not need to pay {$880.00}. The collection agency has reported delinquency in our names and our credit history has been misrepresented. We rented XXXX XXXX apartments from XX/XX/XXXX XX/XX/XXXX. We moved out XXXX and were charged XXXX $ as move-out charges by XXXX XXXX apartments owned by XXXX XXXX. We disputed the charges by filing a case in small claims court in XXXX XXXX, California. We had our case hearing on XX/XX/XXXX and the case was ruled out in favor of my husband ( XXXX XXXX ) and me. The court ordered XXXX XXXX XXXX XXXX XXXX to pay us XXXX $ and ruled that we do not owe them anything. In-spite of and after the court judgment, the collections reported our account as derogatory. I am requesting that the item be deleted to correct the information. Enclosed are copies of the court judgment and the case transcripts, supporting my position. Please investigate this matter and delete the disputed item as soon as possible.
03/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11203	Web	Servicemember
I've made contact with the company more than once. The debt was result of an identity theft case in which the fraudster was caught and prosecuted where the debt was created ( a fraudulent apartment lease ). The company that created the lease using the fraudster 's fake ID and fake name ( which did not match my name on my credit file ), was present at the trial. They requested NCC Business Services stop making attempts to collect this debt in the amount of {$7100.00} for a lease that was abandoned and property damages. In XX/XX/2015 NCC provided me with a copy of the lease and ID, both in a fake name, and a fake ID of the young man who was charged in the District Court of Maryland XXXX County. Despite providing my driver 's license and the more than 20 fraud accounts that were created by this criminal, NCC Business Services remains the sole business that continues to attempt to collect and is damaging my credit file with this fraudulent account. I've contacted this business more than 10 times, providing all requested documentation, and yet they refuse to do the lawful thing. Please help.
11/22/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 622XX	Web
The collections company XXXX XXXX XXXX has bought a false debt from my previous landlord. I absolutely have no ideal what this debt is about. XXXX XXXX was my previous landlord. They are responsible for sending the false debt to collections. They are trying to make me update or remodel there apartment. I never damaged anything in the apartment. Why should they be allowed to write an itemized list and send it to a collections company. This is ruining my credit. I feel helpless in this situation. Landlords should not be able to do this with out going to court. They should not be allowed to just sale it to a collections company. This matter should have been settled in court. I have no rights in this manner. I had a lawyer send NCC a letter for verification of the debt. He sent two letters before we received a response. The letter they sent for proof was just a written out piece of paper. I mean how is this proof? No picture of a messed up apartment, absolutely no verifiable evidence. I disputed the case with XXXX. They refused to take it off my report. XXXX said this was a verified debt.
11/13/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48219	Web	Older American
I was evicted from an apartment. I was XXXX at the time and received no documentation. Later, when I tried to rent another apartment, they agreed to rent on the condition that I pay my former eviction fees. The former apt referred me to their collection agency. I called that agency, was told the amount owed and began making payments immediately. This was all done over the phone and I was given no documentation from anyone at the time. Recently, I happened across the XXXX XXXX Court 's judgement on that evection and found it was for {$1500.00} rather than the {$2800.00} I had been charged by the collection agency. As I have already paid {$1900.00}, if the judgement is the correct amount then I have already overpaid by {$360.00} - I wrote the collection agency for documentation and they returned a list of charges, but I do n't know which amount they are truly authorized to charge me. Which is correct : do I continue to pay on the {$2800.00} amount or ask for a {$360.00} refund? I am enclosing the XXXX XXXX XXXX XXXX of Actions, my letter to the coolection agency, and their reply.
08/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32751	Web	Servicemember
We rented an apartment at XXXX XXXX XXXX XXXX XXXX that was damaged by the hurricane in 2017. The windows were broken by a tree which we notified the management was hitting our window, months prior. The management failed to repair the window for almost three months resulting in water damage to the wall, laundry room and carpet. Additionally at move in, as documented in the move in inspection, we reported the carpet, walls and cabinetry to be in a state of disorder. These items were never repaired in any semblance. The garbage disposal unit also was in a state of disrepair and leaked water regularly. This was reported many times and did result in damage to the woodwork of the undersink cabinet. Upon move out we discussed this with management of the unit and were noted to not be at fault. Months later we began receiving debt collector calls stating a unpaid debt of {$860.00} that was related to these damages that are the property managers fault. We have contacted the manager on eight separate occasions and were promised that this would be addressed. It never has been addressed.
04/18/2018	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	IL 60076	Web
NCC BUSINESS SERVICE # : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Im filing this complaint because this company is not treating me fairly. My name was attached to this account despite me not having any responsibility for it. They can not provide any written documentation that evidences my signature or bearing to this account. This account belongs to XXXX other people and I do not know why they will not release my name from it. My credit score is destroyed as a result of this account being on my credit. That is despite the fact that the account has also been paid and is a closed matter. I have a sick mother who is living in an apartment where the lease is not going to be renewed. I am trying to purchase a single story home that has no stairs and that is in very close proximity to her doctors office which she has to visit one to two times every week. This is a very difficult issue for us and Im trying everything in my power to help make her life easier. I would like for them to put in a request for them to remove this account from my personal credit reports.
03/04/2019	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NV 89014	Web
I was never notified from NCC business services about this debt being transferred to them for collection. According to the fair collection act law, as the supposed debtor I am required by law to be notified of such action by written 30 day notice.The original debt is from XXXX at XXXX which I gave my forwarding address to. I made arrangements with their property management company to make payments on this debt. The management company name is XXXX XXXX. I have made two payments to this company via my checking account. I was paying as agreed, one payment on XX/XX/XXXX for {$120.00} on line and another {$50.00} payment via Mail with check # XXXX, XXXX XXXX dated XX/XX/XXXX which had not been deposited until XX/XX/XXXX for payment. However it is stated on my credit report that last payment received was XX/XX/XXXX this date is inaccurate as well. I have made several attempts to contact the original debtor concerning this matter and have left several messages with no response. Also I have disputed this item with all 3 credit bureau agencies, XXXX, XXXX and XXXX XXXX.
06/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 93203	Web
I have repeatedly requested an investigation to be conducted as to the balance reporting on my credit file by NCC business services regarding a collection account by XXXX/XXXX. They are reporting an incorrect balance owed of {$1000.00}, and have repeatedly updated this balance even after I have advised them this debt is over 7 years, and also discharged under my Chapter XXXX Bankruptcy filing. Attached you will see a version of my latest credit report that indicates they processed an investigation in XX/XX/XXXX and NCC business services verified the reporting and balance as accurate. This is absolutely incorrect and very damaging to my credit history. I requested a second investigation in XX/XX/XXXX, and I am providing a copy of my discharge paper. I am just appauled that NCC has been reporting this falsely on my credit report causing serious hardship in my ability to secure housing for almost 7 years. I am not in a very tough situation and feel NCC is trying to use my housing hardship to co-erce me into paying a debt I have been discharged from, legally.
11/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 15227	Web
I have disputed the debt several times and NCC Business Services refuses to remove the error from my credit report. I am a XXXX that I can not complete because I am continually getting denied for student loans. I have never had a collection problem prior to this, and I would have payed the debt and took responsibility of the issue had it been my fault. Damages to carpet were caused by a flood during the appliance repair caused by the installer. Shortly after, mortar pointing left the entire apartment covered in dust, including the carpet. Other incidents also occurred, none of which were caused by the tenants. I have paid a lawyer to attempt to remove the collection because I have been falsely targeted, but the cost is almost as much as the debt itself. I am fighting this because not only am I not responsible for the damages, but now I must pay fees to fight these claims. I sent a letter to NCC Business Services explaining why the charges are not my responsibility, but they never responded or have done anything to help me resolve the issue.
02/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	MD 20877	Web
I have referred a complaint to the Department XXXX ( XXXX MD ) and XXXX Services for resolution. The defendant sent my account to NCC Business Services for collections. This entity failed to send me a notice of debt - for more than a week. I called the CEO and he cut off my call. I continue receiving calls, the company is still refusing to send me the letter of debt, nor acknowledge that the matter is still under review between me and my previous landlord. The landlord in question is XXXX XXXX. This company opted to threaten us with an adverse incident on our credit record, rather than trying to resolve the underlying complaint. Their verbal statement was, " We did not feel the need to respond to your email, because we knew we would XXXX up your credit if you do n't pay us. '' Consequently, we filed the necessary complaint with our county. They continued to pass on the debt to NCC, who started their campaign of abuse. During the latest call this morning I was told that I was not going to receive the notice of debt at all. I was just to pay.
05/08/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	LA XXXXX	Web
My fiance and I applied for an apartment at XXXX XXXX XXXX XXXX XXXX , TX back in XXXX XXXX . He was there for about three months when he was asked to leave. The apartment agreed to take partial rent payments in order for him to catch up because he was an out of the state XXXX living in XXXX on his own. He was in the process of getting his income in order to to give full payment of rent when he was evicted from his residence. The office also informed him that the it would not show up on his credit report. He had less than a week to move out. He had to stay from hotel to hotel until he was able to find a permanent residence. The amount of {$2700.00} has shown up on both of our credit reports. I feel as if this is in unfair that the office agreed to help him catch up with rent and also told him that they would not report this on our credit reports and they did. He was not the only person that was affected by this. Many people in the apartment complex were evicted from their homes and were kicked out o n the street.
09/10/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	VA 22191	Web
I had an outstanding balance with XXXX ( XXXX XXXX in Virginia ). I get XXXX notification from the debt collection agency ( NCC ) with the indication of having a lien on my bank account, which took place today XXXX/XXXX/15. I believe that they have no right to garnish or freeze my acct. The following is what I read on my attorney general 's website. " When Can a Creditor Garnish Your Wages in Virginia? Most creditors can not get a wage garnishment order until they have first obtained a court judgment stating that you owe the creditor money. For example, if you are behind on credit card payments or owe a doctor 's bill, those creditors can not garnish your wages ( unless they sue you and get a judgment ). There are some exceptions to this rule. Your wages can be garnished without a court judgment for : unpaid income taxescourt ordered child supportchild support arrears, anddefaulted student loans. " No court order was issued, only XXXX notification received and it does n't seem right that they processed this in such a way.
10/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75078	Web
I began receiving debt collection calls from XXXX-XXXX-XXXX, NCC Business Services. The first call that I can remember was Friday, XX/XX/2018. The debt is regarding a past due rent at an apartment complex, however I have never received any documentation from the collection agency. The amount is approximately {$1000.00}. The representative on the phone tells me how much I owe, but has not provided by mail any sort of documentation. I have told the representative that the address on file is not correct, but no attempt to fix has been made. I am willing to pay the portion of the debt I am responsible for, but not without written promise that it will not be reported to credit bureaus. The collections agency refuses. Im obviously not willing to pay without this written promise, as well as not being able to see the documentation. To this date, I have no received any documentation from collection agency regarding the amount or that I have right to dispute. I have not lived in former apartment complex for over a year.
09/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98004	Web	Servicemember
In XX/XX/2016 I noticed a collection entry on all three credit reporting bureaus from NCC Business Services , Inc. ( Acct XXXX ). The original creditor is listed as XXXX XXXX XXXX XXXX in XXXX for the amount of {$4500.00} opened in XX/XX/2016. This debt is for a rental/lease. It is listed as a joint account with XXXX XXXX. I do not have any joint accounts and I do not know anyone named XXXX XXXX. I have lived in XXXX XXXX since XX/XX/2013 and previously lived in XXXX. This is not my debt. I called XXXX XXXX Services and was told that I should contact the original creditor, XXXX XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX on XX/XX/2016, asking that they provide all documentation related to this transaction. I never received a reply to this request. In addition, several requests have been made to all three credit reporting companies to remove this from my credit report and they have all returned as being verified as " accurate, '' which is clearly " inaccurate '' as this is not my debt.
02/20/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90712	Web
NCC BUSINESS SERVICES continued to attempted to collect the wrong amount of a debt they claim I owed. The account NCC BUSINESS SERVICES claims I owe is incorrect and not accurate and they have not provideed enough information to verify the debt they are attempting to collect. I have documentation showing the original amount owed to the original creditors were paid. NCC BUSINESS SERVICES has threatened me and threatened that my credit would be damaged if I didnt settle the debt in question. I summited documents and demanded they reinvestigate this debt at once and NCC BUSINESS SERVICES failed to do so and notified me of their reinvestigation status or results. NCC BUSINESS SERVICES continued to contact me and I requested they notify the 3 credit bureaus and have this incorrect debt/collection account removed and the representative was very rude and used profane and abusive language. I then told the NCC BUSINESS SERVICES representative to stop contacting me, but they continue to call.
04/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76137	Web
I have a collection/ charge-off account on my credit report with XXXX , XXXX & XXXX . The Account is with NCC Business Services in the amount of {$850.00}. I am not challenging the validity of the debt. The debt has been paid, and I can provide a final payment statement showing {$0.00} balance owed. However, I never received any written communication about the debt, before it was placed in collection and added to my credit file with all 3 major bureaus. I asked NCC Business Services to request the credit record be deleted from my credit file, due to the fact the debt is paid, and I was not provided with any communication about the debt until I saw it on my credit report. Their response was that they sent letters. I never received any communication from them, and therefore did not have the opportunity to fulfill my obligations before the debt was reported. I would like NCC to provide proof of contact, or I ask that the file be deleted from my credit report with XXXX, XXXX, and XXXX.
07/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 373XX	Web
I lived in the XXXX XXXX XXXX and one night my boyfriend held a loaded XXXX to both my head and my toddler at the time and we had to flee the apartment. He was XXXX, but then later released but I had a temporary order for our safety to not go back to that apartment and I do have a police report from that evening if needed. I found somewhere else safe to live that he did not know about so my child and I would be safe. I explained all of this to the manager that worked there at the time and she understood and said she would not hold me responsible for the apartment lease ( which was in both of our names ) due to this extreme situation. Then a couple months later it was on my credit as a joint unpaid amount and I called the apartment complex a couple times and once I was promised a call back and never received one and another time the woman who picked up said she did not know about the situation and could not help me and now it is in new management and completely new staff.
07/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92683	Web
I am writing to dispute a collections account on my credit report. The account is under NCC Business Services with original creditor being XXXX XXXX XXXX. This item is inaccurate because we did not receive an itemized statement of deductions and receipt from vendors within 21 days ( CA Civil Code 1950.5 ). The leasing agency issued us the necessary documents on XX/XX/2018 via USPS mail then immediately sent us to collections the next day ( XX/XX/2018 ). I am not disputing the amount owed, as once we received the itemized statement, we agreed and just recently paid the bill in full, but I am disputing the collections agency reporting. I have called both NCC Business services and filed disputes with all 3 credit bureaus with no success. I am attaching email documentation that shows the original leasing company did not send the itemized statement to the correct address as we provided upon move out. I am also attaching the dispute letters I sent to the 3 credit bureaus.
10/03/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33025	Web
XXXX collection agency reaged acct to XXXX/XXXX/XXXX & reinserted after it had been removed. I spoke with a woman attorney located in TX in XXXX that was handling the account for the original creditor. She advised the account had been resolved do to vehicle being resold and funds from bank accounts had been withheld. I never received anything in writing stating an amount owed or agreed upon. The account had been deleted by original creditor after vehicle was resold. XXXX collection agency has reinserted and reaged an account that was resolved with creditor. There was never any verification or validation in writing of alleged debt when requested XXXX/XXXX/XXXX via fax and XXXX/XXXX/XXXX via certified mail. The credit bureaus stated collection agency only verified name, ssn, dob and never provided written proof of debt with all documents. Per FCRA written proof and notification is required. Also a resolved account can not be reaged and reinserted to credit file.
07/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20746	Web
I received a phone call from NCC about a dept owed to XXXX XXXX . They stated I owe {$490.00} and they have been sending notifications and calls. They stated they have me at XXXX XXXX XXXX XXXX XXXX , XXXX MD XXXX . I told them that is not my correct address and I moved from there in XXXX 2016, I live at a different address. It I still live on the property. They dismissed it and stated it 's about to be reported to the credit bureaus if I do n't make a payment now. I asked them why was n't I notified in a timely manner, and I just got laid off. I do n't have anything as of right now and if they can at least give me two weeks until my appeal comes back from unemployment. They stated they could not only if I can post date a check. I told them I 'm not trying to pay them unintentionally, but I do n't have a job and I need to wait for unemployment. He could not provide me with a date it will be reported nor did he ask for my correct address.
02/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75070	Web
NCC Business Services ( FL ) is trying to ruin my credit by stating I owe them {$550.00} for an apartment I never moved into. This debt has been reported on my report for 3 years now. I took a job in XXXX XXXX, Texas and went around looking for an apartment to live in. Found one I was interested in. Put down a deposit however, I never moved. I got transferred. Did n't get my deposit back which I already expected to happen. However, 3 years later I 'm looking at my report and there is collections on there from NCC. I contacted the apartments ( XXXX XXXX in XXXX XXXX, Texas ) and they have already changed owners. The manager told me she could n't settle the amount because I never lived there. She had nothing to tie the money to. She told me to contact the collection agency. I 've gone through XXXX to try to get it disputed. They told me the debt is valid. How can it be valid if I NEVER lived there. I 'm very confused and need help getting this resolved.
04/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30038	Web
On XX/XX/XXXX, I notified the credit bureau that I am a victim of Identity Theft, ( police report, identity and theft affidavit ). I provided the legal documentation required along with identifying information. I requested they remove the following accounts. This information is still reporting. I was first violated when they failed to verify the information and then when they reported it. The original creditor has deleted the account but the collection agency and credit bureau accounts are reporting The credit bureaus and the collection agency has ignored the laws that was set-forth to protect me. It has exceeded the 30 days to investigate and delete the account. The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only address that should be reporting i s XXXX XXXX XXXXXXXX XXXX, XXXX Ga, My Name should be reporting as XXXX XXXX XXXX XXXX No variations and no AKA I did Not authorize the following Inquiries : XXXX XXXX XX/XX/XXXX
07/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30144	Web
I submitted a dispute letter to XXXX advising that the debt reported for {$200.00} by NCC Business Service was fraudulent and that I am a victim of identity theft. I was originally made aware of my identity being used back in 2013 when someone filed a tax return under my social security number, name and other personal information. I filed a police report in XXXX, GA at this time. I submitted this proof to XXXX and also to NCC Business and have also completed an identity theft affidavit along with my driver license and notarized statement. However XXXX continues to report this derogatory information on my credit file. I spoke with XXXX at XXXX fraud department and expressed that I have never done business with the original credit XXXX XXXX and they this is a fraudulent crime. I have also requested validation of this debt from XXXX in which they have not provided. Please see attachments that were submitted to XXXX and NCC Business Services.
08/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27603	Web
In XX/XX/XXXX, i moved into an apartment community by the name of XXXX XXXX. During my stay the community switched management to XXXX XXXX XXXX. I Occupied the unit for exactly 12 months and gave proper notice to vacate. I signed my new lease in another city in XX/XX/XXXX. It was later reviled that the leasing company added a debt owed of XXXX. Stating that i did not leave my unit until XX/XX/XXXX. This balance is incorrect and inaccurate. i went to the community several times to see proof of their charges. They provided me with a ledger with all the wrong dates and information on it. The manager on duty was rude each time and gave me no help at all. She claims she has pictures, If she does it should have dates on it. The information from the ledger is not right. I need receipts of proof for this debt. I am asking for you to fully investigate this inaccuracy. Validate and delete the wrong information from my credit reports.
07/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76117	Web
I rented an apartment with XXXX on XXXX in XXXX XXXX XXXX, TX. At the time I think it was managed by XXXX. My lease was to end in XX/XX/XXXX. Around XX/XX/XXXX I was late on my rent and notified the office. They agreed to the arrangement. When I went into the office to pay on the assigned day the office notified me that they would not bring accepting my payment so an eviction was filed. We went to court around XX/XX/XXXX and everything was explained to the judge but to no avail the judge sided with the landlord. I was evicted. My problem is after move out the 3rd party collection agency is reporting that I owed the landlord XXXX which is impossible. This apartment complex is a total ripoff which have been through 3 or more management agencies in the last 3 years. They prey on ruining tenants rental history. The 3rd party collection company is NCC BUSINESS SERVICES. I am requesting that both companies be investigated.
05/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33801	Web
Basically in XX/XX/XXXX I moved into an apartment with my sister. By XX/XX/XXXX I moved out of the city, signing myself out of the lease. Unfortunately, my sister broke lease a few months later and was offered to move out and owe money instead of having an eviction on her credit. She agreed. The problem I have is that I was gone before XX/XX/XXXX, and yet on my XXXX report it says that as of XX/XX/XXXX I share responsibility in owing {$3000.00}. That 's ludicrous. My biggest problem, unfortunately, is that I did n't retain proof of signing off because, stupid me, I did n't believe I 'd need it. What can I do to get rid of this score leech on my report? Now that I 've lived on my own for 2 years successfully, I 'd like my credit score to not be in the red. On top of everything else, I received absolutely NO communication about this. I just happened to check my XXXX XXXX account and it just magically appeared there.
04/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 38654	Web	Servicemember
After dealing with an XXXX in South Carolina, it changed my life drastically. It involved a change of address and non the less all communication was sacred. Willing to pay the debt that I accumulated, I called the XXXX @ XXXX XXXX and spoke with XXXX ( horrible person ) only to be told there is nothing that they could do, never giving me the debt collectors information or helping assist me with settling the debt I owed. I resided with the XXXX @ XXXX XXXX for a year, fulfilling my lease, and making sure all was well with rent payments, late fees, etc. Before moving out of my apartment I thorougly cleaned each room, leaving a cleaned apartment complex. Even the carpet was cleansed. As a victim I had no clue where to start after the incident, so it caused multiple complications such as lost wages and social complications. Please help me to settle this debt so that I will not have to file bankruptcy. Sincerely XXXX
06/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46260	Web
I have been trying to get Ncc business services to update my credit report since XX/XX/XXXX. I paid this account balance in full after jumping through hula-hoops and placed on hold several times with several different people due to their poor phone system if thats what you want to call it. I received my paid in full letter after a rep " lost " my front and back copy of the check i sent. I was happy. i have waited and waited and even talked to a XXXX supervisor who told me they were reporting the account as closed even though i see it has not! I have waited a month and this account is not showing as closed or paid. I am getting nowhere with this company! I have no clue how they are in business. Its so frustrating trying to do the right thing and the people who are supposed to be helping you dont even know what they are doing. I have called multiple times to get this corrected and each month it doesnt happen.
03/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33990	Web
Collection agency ( NCC Business Services ) is actively reporting on my credit report a false debt, on behalf of a realty company ( XXXX XXXX XXXX XXXX ) that was used by my former landlord. Even after several attempts to resolve this issue, including letter from realty signed with balance due was {$560.00} ( before my payments of {$730.00} ), proof of deposit paid, original rental agreement ; they insist that client is firm on debt of {$6600.00} which included repairs charges never done to the house for {$4300.00} ( the house was not damage at all ), security deposit of XXXX ( they said I did not paid ) XXXX is trying to collect on a debt without a judgment and the property is not managed by them on the present time. They are aware of this but they still reporting to the credit bureau actively damaging my credit. XXXX XXXX has XXXX reviews that shows that I am not the only victim of this company practice.
11/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60077	Web	Older American
We have been receiving calls for a debt owed by someone that we do not know who may have had my husband 's cell phone number before. I didn't know that the company was looking for someone else until today when the calls started all over again and this time the caller mentioned the person 's name but I couldn't understand what he said. The calls come to my husband 's cell phone from NCC Business Services, XXXX XXXX XXXX, XXXX, FL XXXX or NCC Business Services XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX from XXXX. I called the number back and got a message that " If you are? person, ( couldn't make out name but not ours ) press 1 for an agent '' The first time we filed a complaint our ID for complaint was XXXX and we got a message back that the president was sorry he had bothered us and that it wouldn't happen again and that we had no debt but this time we suspect there may be a debt belonging to someone else.
04/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30331	Web	Servicemember
I, XXXX XXXX have made several attempts with NCC Business services to have a collection account removed from my credit report. They total me the original creditor has to request it removed. In doing my investigation the original co XXXX XXXX never reported to the credit bureau or NCC. The issue is that the account was for an apartment and the account was then added or another person to the account for they were the actual resident. The judgement on XX/XX/2016 made by the judge was granted against the other party and not me. I have sent this company several request asking for them to remove this from my credit report. I even sent them the court disposition, I am getting no assistance in this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX - reporting inaccurate information and has been of no help. NCC Business Services XXXX, Fl -not doing an indebt investigation - regardless of having the court disposition
03/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20748	Web
I do not owe this debt it was paid in full in the amount of {$2200.00} back in 2015 that I was sued for. I have extensive proof which I can and will provide. They have stated that I owe another XXXX which has not been proven. I have made several attempts to contact NCC BUSINESS SERVICES via email and phone. On the 1st occasion I talked to someone in XX/XX/XXXX that told me that it would take 1-2 business days. I called back 3 days later and then was told it would take 3-4 business days. I waited a week to call back and talk to another person which told me that it would take up to several weeks to receive, and that they would have to get proof from XXXX XXXX XXXX. These are the people that own the XXXX XXXX XXXX XXXX XXXX. I called them and they stated they do not know of any moneys owed. I have been getting the run around for years for proof of where this extra money is coming from.
10/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77089	Web
I WAS EVICTED FROM MY APARTMENT IN THE LAST MONTH OF MY LEASE AFTER I ALREADY PAID RENT AND ONLY HAD MAYBE A WEEK LEFT IN MY APARTMENT. WE WENT TO COURT FOR EVICTION PROCEEDING AND THE JUDGEMENT SAYS I ONLY WAS TO GIVE POSESSION OF THE APARTMENT OVER AND I DO NOT OWE ANY COURT COST, FEES FROM THE LEASE OR BACK RENT. THE APARTMENT COMPLEX IS REPORTING ON MY CREDIT THAT I OWE THEM {$1200.00} FOR RELETTING FEE AND EARLY TERMINATION FEE DUE TO NOT TURNING IN MY 60 DAY NOTICE BUT THIS WAS PROVIDED TO THE APARTMENT MANAGEMENT WHEN IT WAS TIME FOR ME TO TURN IN MY 60 DAY NOTICE. NOW THE DEBT COLLECTOR IS STATING THAT I NEED TO PROVE TO THEM THAT I TURNED IN MY 60 DAY NOTICE BUT THE JUDGEMENT CLEARLY STATES I OWE NOTHING!!! IVE TALKED TO THE APARTMENT MANAGMENT OFFICE AND ALSO THE DEBT COLLECTOR WITH NO LUCK. I HAVE DISOUTED THIS SEVERAL TIMES ON MY CREDIT REPORT AND NOTHING SEEMS TO HAPPEN.
04/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91350	Web	Servicemember
I applied for an apartment lease at a complex called XXXX XXXX around XX/XX/XXXX. I never signed lease and 3 months later I get a bill in the mail for XXXX . I ignored it due to the fact that I knew I didn't owe this amount, and another 2 months later i received another letter from collection agency NCC business services. I ignored debt not applicable to me, and did not find out it was sitting on my credit report until I tried to apply for a different apartment recently ( XX/XX/XXXX ). I tried calling NCC business services and asked for either a settlement or pay for delete, instead I good a very rude representative so I hung up. I went through online dispute and even tried to sent complaints to their management asking for proof of validity but no response. I can pay off debt fully but it is not correct and I should not be charged it, my main concern is taking it off my record.
09/15/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 24012	Web
I went to XXXX XXXX and was told i was being charged for 3 months rent for months i did not live there i gave them a 30 days notice in XXXX 2014 and returned my door keys in XXXX. I never signed anything renewing my lease. The lady in the rental office told me there was nothing she could do because it was a different manager at the time and to dispute it with the collection agency. I have done that but have n't received anything in response other than its being reported as a closed derogatory account. I 'm willing to pay what I owe so that I can rent a new apartment.I will not pay for something and I did not live there nor did I ever have to pay rent when i did live there. I have contacted the collection agency numerous times only to be told i have n't disputed or they have n't received anything from me. I 'm XXXX XXXX XXXX and this is holding me back from renting an apartment.
12/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 339XX	Web
Ncc is a collection agency for XXXX XXXX apartments. They attempted to collect a balance for damages their apt manager marked off on original walk threw as not my responsibility because they were cause prior to me obtaining unit and they had no time to repair before i move in. When bill was received i XX/XX/XXXX i attempted to contact ncc to dispute i was treated horribly rep was boligerant. I then filed complaint and dispute of bill with ftc which resolved in my favor billing was dropped and i received closure from company confirming this after dispute was completed with ftc. Another year later XX/XX/XXXX they added it to credit report regaurdless of proof and dispute resolution and the letter they send agreeing the bill was fraud. Now i dispute with XXXX and XXXX whom both agree to delete and remove. I find this fraud business practice and i think something should be done.
06/08/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75074	Web	Servicemember
XX/XX/2018. I contacted a collection agency NCC business services located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, FL XXXX The guy seemed wary about the whole conversation. But, I attempted to find out what my debt was, after already seeing it on my credit report. I knew the amount was not right. I was already on their website while on the phone and the guy told me to go to another website ( although the one I was on was clearly theirs ) to pay off the debt. I asked if I could receive a confirmation if I paid as I thought I owed and he said he couldn't do that over email. I tried to type in the account number he gave me for their website to make a payment and it said : " NCC Business services no longer handles your account. '' Yet, on the phone, he was trying to persuade me to make a payment. Overall, the experience was very sketchy. I felt inclined to report them, just in case.
08/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MA 02118	Web
In XX/XX/XXXX I received a collection notice from NCC Business Services asking for payment for a debt related to XXXX XXXX {$9500.00}. Note that his debt was discharged in my Bankruptcy case on XX/XX/XXXX. I wrote NCC a letter XX/XX/XXXX informing them of this and including documents that proved the discharge of this debt and asking that they cease collection process. However, as of XX/XX/XXXX this debt appears to still be active and they have reported this debt to the Credit Bureaus. I've contacted XXXX in particular to dispute this and they have notified me that Creditor is claiming this is a valid debt. I called NCC on XX/XX/XXXX to confirm that they received the letter I sent them and they said that they received letter on XX/XX/XXXX. However, they said they reported this debt to the bureaus because they hadn't received paperwork prior to XX/XX/XXXX regarding bankruptcy.
10/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TX 75241	Web
I have attempted three times by certified mail to attempt to gain validation of this debt starting XXXX/XXXX/2016. I have yet to receive a response from this company as of XXXX/XXXX/16. I have verified receipt of all correspondence was received. While waiting for a response and doing research on the company I developed the fact that this company is not bonded as should not be conducting business with the XXXX bureaus and doing business in the state of Texas. I notified XXXX of this discovery by certified mail as well and I was told to reach back out to the company and all they could do is report what the company has given them. XXXX did not perform a thorough investigation as I requested in my letter. I advised XXXX that they are reporting inaccurate information that could not be validated. To no avail, the inaccurate information rests on my credit report with no validity.
07/02/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94521	Web
I am a vicitm of identity theft. On XX/XX/XXXX NCC Business Services received my DEBT VALIDATION REQUEST. I respectfully requested them provide me with competent evidence that I have any legal obligation with them. At that time, I also informed that reporting invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), might constitute fraud under both federal and state laws. I did not receive any validation for that debt. There two accounts being reported as mine are the following : 1. 1. NCC BUSINESS SERVICES, acc # XXXX. Opened Date XX/XX/XXXX, Balance {$750.00}, High Balance {$750.00}. 2. NCC BUSINESS SERVICES, acc # XXXX Opened Date XX/XX/XXXX, Balance {$140.00}, High Balance {$140.00}. Please help me solve this issue, since they are commiting a Violation of the Fair Debt Collection Practices Act and Defamation of Character.
09/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75038	Web
the company NCC Business Services, called me because my old apartment complex said that I owe them XXXX dollars one month after moving out. This is a false debt because I paid everything I did owe them. they did n't give me the opportunity to confront them. They just wanted me to pay. I could n't pay unless the information was verified. they did n't want to verify and said that they will report in my credit if I could n't pay. All they did care about was money. this means that anybody can put anything on your report without proper verification, and I cant accept that. They accused me of damages without prooffalse amount of electric bill without statement from the electric company. wrong balance at move out went I did n't owe anything. They forced me pay everything before the end of my last term over there. I have my bank statement to prove what I 'm saying.
06/03/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76051	Web
The company opened two collections on my account about the same thing. they are trying to hit my score two times. I have contacted them and they say it is was in their power to open two different accounts for the same thing. The same account that is from the original debt is reported twice. Please check the place you will see it is the same account the company is mis representing the amount and causing double jeopardy on my report. This is blanket to hit my credit score. Please report them. Also they will not send out the full information to me. If you look at the report it is from XXXX XXXX XXXX. BOTH the same date and almost the exact amount. The company has been reported for this before. I have attached also where they have clearly been shown disputed and removed by one reporting agency. Please advice would love to take to court. Thanks for your time.
03/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32256	Web
A letter sent to NCC Business Services Inc, XXXX XXXX XXXX # XXXX, XXXX FL XXXX requesting the following : Explanation of what the amount owed, additional collection fees and how it was occurred. Copies of all documents and identification of the original creditor. Proof that the Statue of Limitations has not expired on the account. Proof that you are licensed to collect in my state. Your license number and Registered Agent Documentation. I also advised the collection agency that the amount owed was paid when we moved out of the apartment ( XXXX XXXX ) and the amount they are requesting is extortion. NCC is stating I owe {$2700.00} and has been reporting it to my credit report since XX/XX/2012. I have suffered 6 years of extortion of fees, negative/false credit reporting and have requested for the item to be removed but the company has not done so.
07/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91387	Web
The apartments XXXX is not a debt I owe. I payed all my rent on time every month and gave a 30 day notice before I moved. The manager of this apartment complex false fully put me into collections and never sent a proper notice to me of any debt or took me to court or even attempted too. She fraudulently abused her power of management to ding my credit with a false debt because her daughter and I had a falling out. I was a personal friend of XXXX the manager of the apartments and the daughter. So she had all ways of getting a hold of me with any debt she was putting onto my credit and did n't. I have proof of a proper notice as well as proof of the check that was written for rent. I did n't find out this was on my credit till 2014. I has already been removed from 2 other credit agencies as a debt that I do n't owe and that is n't mine do to her fraud.
05/29/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 775XX	Web
NCC business services has been harassing me for a few weeks and has now as threatened reporting incorrect derogatory false information on my credit file with XXXX and XXXX. It has already been removed and corrected by XXXX. NCC has acted in both an illegal and unethical manner. This is a fictitious debt. I pride myself in having perfect impeccable payment history on all of my accounts with all of the credit reporting agencies I have nothing derogatory on my credit aside from this scam they are trying to force me to pay. Companies like these try to intimidate people into paying these made up fictitious debts and make millions I am sure. I plead to you to assist me with fighting them on this matter. NCC Business SVCS INC Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX **** this company is trying to collect on fictitious debts **.
03/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33810	Web
After reviewing my credit report I have found an collection account listed as NCC BUISNESS SERVICES collections with the account number XXXX in the amount of {$1400.00} of which I was not aware of. I have never had any business dealings or communication with this company so there is no reason for them to be reporting an unpaid collection on my report.I did not receive any correspondence from this creditor prior to the posting of this collection on my credit report, in fact I just received a letter from XXXX dated XXXX XXXX, 2017 giving me 30 days to respond and rectify this account. Well as you can guess it has not been the allotted 30 days for me to respond and it already has been posted to my credit report. So, they should not have posted this account to my report for the reason of not giving me adequate notification to respond to the debt.
11/16/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48224	Web
I am a victim of identity theft. I have been trying to contact NCC Services for a very long time now. Their representatives were being very rude and threatening. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not an address in Louisiana. They denied me the opportunity and kept giving me the runaround. I don't understand why NCC Services is refusing to acknowledge my Identity Theft problem. and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.
01/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MD 20720	Web
My mother & I moved out of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/2015. We never received a statement from XXXX within 45 days of vacating their premises. XXXX turned our account over to a collection agency by the name of NCC Business Center. A guy name XXXX XXXX ( XXXX ) XXXX ext. XXXX from NCC Business Center called our neighbor and discussed our business with her which is illegal. They have been constantly harrassing me about a debt that I never went to court about and I do n't owe them any money. I want to issue a cease & desist order against NCC Business Services , Inc. XXXX. XXXX XXXX, XXXX, XXXX XXXX and to XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for both of them to stop contacting me, my neighbors, relatives, my job, etc. as soon as possible. Please feel free to contact me or my mother at the numbers below. Thank you.
07/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30296	Web
A company called NCC Business Services is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$3900.00} but I have never done business with them and I have never received any letters or notices from them. Why did they not send me a notice of my right to dispute this debt before they reported it to my credit? The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
09/26/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 641XX	Web
NCC business services is trying to collect a debt in the amount of {$3100.00} and the original creditor is stating the debt is only {$1800.00}, but the original creditor and NCC business services has not provided a move out checklist with documentation of damages or lease details that confirm the amount they are trying to collect. In the state of MO Property managers are required to send a security deposit letter and a list of damages and proof of damages in order to collect the amount. Neither the collection company nor apartment complex did so. I have requested this information for NCC Business associates on several occasions and when I call to get this information provided to me they hang up on me. They have removed this from 2 of the three credit bureaus and I need them to removed this invalid information for XXXX as well.
12/26/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90221	Web
COPY OF AGREEMENT PROVIDED BY NCC BUSINESS SERVICES , INC ON XX/XX/XXXX ON BEHALF OF XXXX XXXX XXXX IS AN ALTERED CONTRACT WITH FALSE SIGNATURES OF MY HUSBAND AND MINES ON BACK PAGE OF AGREEMENT. IT IS CONSIDERED AN UTTERED FALSE DOCUMENT IN THE ATTEMPT TO PASS IT OFF AS GENUINE. FORGED CONTRACT WITH INTENT TO DEFRAUD AND DEPRIVE ME OF MY MONEY. SIGNATURES FROM 2ND AGREEMENT ( HOUSE AND POOL RULES FOR RESIDENTIAL RENTAL AGREEMENT ) AND INITIALS WERE USED TO ALTER 1ST AGREEMENT ( APARTMENT RENTAL AGREEMENT ) .I HAVE PROOF OF ALL ORIGINAL AGREEMENT COPIES AND RECEIPTS AS EVIDENCE. LAST PAYMENT FOR RENT WAS ON XX/XX/XXXX FOR XX/XX/XXXX TO XX/XX/XXXX. LEFT PREMISES BEFORE END OF XXXX, XXXX HENCE, XXXX RENT IS NOT APPLICABLE SINCE I WAS NOT AT PREMISES. DEPOSIT KEPT BY XXXX XXXX XXXX SHOULD HAVE BEEN USED TO OFFSET ANY EXPENSES.
01/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22182	Web	Older American
I am XXXX XXXX XXXX, and someone who knows XXXX XXXX or XXXX XXXX used my PII as a XXXX XXXX ( XXXX XXXX 's husband I suppose ) to rent an apartment at XXXX XXXX in XXXX, XXXX ( who turned the debt over to a NCC Business Services in XXXX, XXXX XXXX ). They claim I damaged an elevator to the tune of {$2000.00} and I have lived in my home at XXXX XXXX XXXX in XXXX, XXXX for the past 25 years and my marriage of the last 13 plus years is solid, so I have no idea how I became the victim of this identity fraud. I work for the XXXX for the past 13 years and was notified that PII for all government employees has been compromised and I have put a lock on my credit with a security alert. I have notified XXXX XXXX and NCC by email and in writing that this is not my debt and a fraudulent attempt to obtain monies from the wrong person.
02/25/2019	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	CA 94521	Web
I sent this company my validation request on XX/XX/XXXX. it wasn't just a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully requested them to provide me with competent evidence that I have any legal obligation with them. But to my surprise they have neither validated nor responded to my request. This is yet another effort to resolve this issue before I file a lawsuit against this company if it will continue to report unvalidated information on my credit file. For yet another time, please delete these unvalidated accounts asap : NCC BUSINESS SERVICES, Opened Date XX/XX/XXXX, Balance {$140.00}, High Balance {$140.00}. NCC BUSINESS SERVICES, Opened Date XX/XX/XXXX, Balance {$750.00}, High Balance {$750.00}. Attached herewith is the letter i sent this company ealier.
12/07/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77539	Web
My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but national credit systems and security cred.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from XXXX for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.
02/21/2019	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 Was not notified of investigation status or results	GA 310XX	Web	Servicemember
I have mailed and called both the credit bureau and these two collection collection agency 's who refuse to now respond to my mail, calls and request for removal of false collection accounts. I have disputed these accounts and they both did not return verification of account to me by mail within 30-45 days as requested and by law the accounts were to be removed but did not. I now request full compensation for their lack of professionalism and me now being denied credit. Account 1 listed on XXXX Credit report Debt collector Name XXXX XXXX XXXX Account # XXXX Creditor Name XXXX XXXX Stated open date XX/XX/2017 Amount stated {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account 2 Listed on XXXX Credit report Opened XX/XX/2017 Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX NCC Business Services
02/15/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90712	Web
NCC Business Services has continuously denied and ignored my credit bureaus disputes stating that I owe an inaccurate amount of money. I have advised NCC Business Services on several occasions to no longer contact me via phone, and to only communicate with me via postal mail. NCC Business Services continues to contact me via phone and leaves voicemails on my phone as well as my relatives phone number identifying themselves as a debt collection agency. I have submitted several receipts over and over showing that the amount they are claiming and attempting to collect has been paid. I have submitted receipts to them directly as well. This collection has been reported on my credit report. This collection is not valid I request the negative reporting to be removed immediately as it is in violation of the FDCPA and FCRA.
02/17/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33411	Web
I lived in an apartment building for a little over 1.5 years. I paid a security deposit, and upon moving out was sent a bill for an extraneous amount of repairs to improve the apartment to a condition better than the original state of the apartment I moved into. I consequently contested the claims in writing via certified mail. The property management company sold the debt to a collection agency without a valid claim to the debt owed. Prior to the debt being sold to the collection agency, I wrote to the landlord, within 10 days of receiving the claim, disputing the charges and requesting money back from my security deposit, per Florida statues. I did not hear back, and the debt was sold off to the collection agency. My concern is that this will impact my credit score, and I have been diligent about maintaining it.
04/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32712	Web
I have requested that this creditor provide validation of debt with itemized breakdown on the account they are attempting to collect on and they have not done so. I have requested that this be done on multiple occasions. I have sent out certified letters via USPS mail with the most recent being XX/XX/XXXX to NCC Business Services. It has been well over 60 days and I have not received any correspondence as of yet. The collection amount is listed on my credit monitoring site for {$220.00}. Prior to this a different creditor had the account which I requested validation of debt from on XX/XX/XXXX, it was never received. At some point after maybe mid to late XX/XX/XXXX is when NCC Business services took over, I requested same info in XX/XX/XXXX and am getting the same results months later, no one can seem to validate.
05/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
I have attempted to contact NCC Buisness Services about a debt that is on my credit report. I requested a financial transcript in XX/XX/2016 via email through a representative of NCC. I was given an email address below as a contact. ( XXXX ) I emailed this address for the transaction transcript to review charges, and I received a message that the email address was not valid. I have attempted for two years to have this debt removed. This debt is almost 5000 and it has caused a great deal of hardship, because I have not been able to get proper housing, due to this outstanding balance. I explained that I went to court and the judgement amount want around 1500.00. I have sent a copy of the judgement to the bureau, and I have disputed the debt. This is still unresolved and still preventing me from acquiring housing.
05/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76063	Web
The collection agency is attempting to collect on a debt that I do not owe to the original creditor. The collection agency is aware that this is a debt that was subject to a lawsuit in small claims court. I won a judgment and was declared not to owe anything to the original creditor. The original creditor owes me monies. The collection agency is aware that this is a disputed debt and has yet to validate the debt despite repeated request to do so. I have attempted to work also with the credit reporting agencies to remove the debt from my credit to no avail. The collection agency keeps reporting and updating my credit report with negative information about this disputed and invalidated and fraudulent debt. I have had financial issues due to this ( have been denied credit, have received a higher interest rate )
08/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27107	Web
I was a resident at XXXX XXXX, I moved out on XXXX2017 and management failed to remove me from the system, I was still being billed and I called several times and spoke to management and they assured me that the balance would be corrected. I later received notice a month later that the balance had been reported to a collection agency. I called the collection agency and advised them of the error, they stated that they just needed documents from XXXX XXXX Management so I went to their office and was assured again that this matter would be taken care of. It is still on my credit and causing my score to decrease. XXXX XXXX does n't care and I need help because I am currently in the process of building and maintaining good credit. I pay everything on time and their negligence is causing harm to my credit
08/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93536	Web
The following company refused to provide me information pertaining to a debt in which I paid off. Upon completion of payoff, they refused to send me a " Paid In Full '' letter by mail and did not provide me any information or notification about their practices as to how I could request a copy of the debt or billing statement showing it was at a XXXX balance. When I attempted to call the agents and managers they played games, told me I had to send a request by email only and upon doing do said they responded stating they wouldn't send me the information to the email I submitted the request from. When I called to complain about the process the reps taunted me over the phone, used inappropriate responses and pretended they were going to hang up on me. It was extremely inappropriate and unprofessional.
06/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28216	Web
I was a victim of identity theft. Someone proceeded to rent an apartment and cable in my name at XXXX XXXX XXXX. I spoke with the NCC Business Services and all three of the credit bureaus to advise of this problem. I also made a payment to NCC Business Services just so I can have this removed from my credit report. They are still reporting a negative, remaining balance that does not belong to me. I asked for a settlement to at least attempt to have this derogatory remark removed from my credit report but have received no luck. When I tried to dispute with the three credit bureaus, I still had no luck. This derogatory remark is making it very hard to rent a home and affecting my credit report. I would like to have this removed from my credit report immediately. The debt does not belong to me.
10/16/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OK 741XX	Web	Older American, Servicemember
XX/XX/XXXX Sent a letter to company regarding a debt alleged that I owe, I have resided in the same house for 20 years. I had no knowledge of alleged debt I have not received a call or a written statement to contest or dispute the alleged debt. Upon applying for a mortgage I am advised that I owe XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. I have no knowledge of this this information is incorrect and should not be on my credit report until validations have been made. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL have not attempted to reach out to me and this debt is alleged to have happened in XX/XX/XXXX. This is unacceptable. Validations need to occur prior to placing false information on one 's credit report. This is smudge on my report and delaying the closing on my home XX/XX/XXXX.
11/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72113	Web
On XX/XX/XXXX I sent a certified letter to NCC Business Services Inc. which was received on XX/XX/XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recalled establishing an account NCC Business Services or the creditor in question. NCC Business Services has failed to provide any means of validation. No chain of command, application, or contract, containing my signature has been provided on behalf of NCC Business Services which is required under the court of law. NCC Business Services is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
04/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78754	Web
On XX/XX/2018 I filled a written dispute with ( NCC ) business services. Although the apartment complex refused to validate the debt, NCC refused to remove the debt after speaking to numerous rude managers and supervisors. I was denied an opportunity to file a complaint over the issue and told to file with FTC or whatever other complaint I needed to when I asserted the fair debt collection practices of the ( 30 ) day investigative period. In fact, the collectors argued their investigative practices included making a certain number of attempts, rather than a specific time frame or the one consistent with the fair debt collection practices. They claimed expertise by title but couldn't provide information regarding the proper dispute process, or my rights.
03/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30127	Web
In XX/XX/XXXX, NCC Business Services Inc. placed a collection with the major credit reporting agencies for XXXX on my credit report. I have reached out to them with certified letters and they still have not given proof of the debt and then when I sent a second letter to get more detail they stopped responding to me altogether and continued to report the negative remark on the 3 major credit bureaus. In their first response, they showed me a copy of a lease I signed back inXX/XX/XXXX & XX/XX/XXXX but nothing showing that I owed anything. I paid rent and moved out on the last day of my lease back in XX/XX/XXXX. I reached out to the major credit bureaus, XXXX, XXXX, & XXXX via certified letters and they refuse to remove it as well or give an explanation.
07/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	VA 24017	Web
NCC Business Services has failed to validate or send proof of contracts that I have with them. I have never entered in or had a contract with NCC Business Services. I do not owe no debt to this company. They are a collection. I never had a contract with NCC Business services for the said debt of {$1200.00}. If NCC Business Services does not send a copy of this contract within 30 days the only resolutio I will accept is delete the said debt from all credit reporting agencies. As it is a fraudulent account. I have paid this debt to the original creditors in full. I never had a contract with NCC Business Services. I included a receipt to show I have paid this debt to the original creditors on XXXX / XXXX /2016 in the amount of {$1200.00}.
03/05/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77521	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. I am a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES 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 NCC BUSINESS SERVICES 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
06/01/2019	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 33157	Web
Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
10/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32571	Web	Older American
I rented a XXXX Bed Room Apt from XXXX XXXX Apartments in XXXX FL. XX/XX/XXXX. I informed Management that I would be moving in 30 days due to employment relocation to XXXX XXXX I moved out on XX/XX/XXXX. The property manager retained my security deposit. I was not informed of any additional charges over and above my security deposit. XXXX XXXX Apartments reported me to the XXXX Credit Bureaus as owing a misleading debt of {$2500.00}, of which {$1800.00} was for XXXX rooms of carpet installation, one months rent of {$490.00}, House keeping charge of {$120.00}, and a late fee of {$65.00}. Upon moving out, I left my apartment in a clean and orderly manner as when I arrived. I am a XXXX, and I was the only person in the residence.
07/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY 402XX	Web
I stayed at XXXX XXXX XXXX we're i under a landlord who was fraudulent and a legally change my rent payments and added utility charges that was not on my lease. When I approached her she threatened to draw a eviction up and did. I asked for contact info and was deny the information being a single mom and young I did not know how to handle the situation so I just let it happen. This was my first apartment and I had just moved to this new state I was taking advantage of and thanks to me not saying anyting dietitian was place on my credit and even though it has been over two years ago I have yet to find another place to stay. It was a bad experience that has literally Place my family in hardship.
03/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MA 02720	Web	Servicemember
NCC Business Services ( Account number : XXXX ) failed to verify that debt was valid based on statute of limitations. Date of first delinquency dates back to XX/XX/XXXX. Account was re-aged to XX/XX/XXXX without any notification after debt was sold off. Statute of limitations for collection in the State of New York is 6 years from the date of first delinquency. Sent debt validation letter to company on XX/XX/XXXX via registered mail. Company responded with documentation of 1-year lease dated XX/XX/XXXX and set to expire XX/XX/XXXX. Company also responded with invoice noting charges with no invoice number or date. Company refuses to remove item from credit report and cease collection efforts.
10/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	AZ 85023	Web
I spoke with XXXX XXXX, who is the Director of NCC Business Services out of XXXX, Arizona. Repeatedly he spoke over me and explained that I owe a debt and its my legal obligation to pay the debt in full. When I asked for a letter showing proof of debt owed, he refused and threatened to disconnect the call. I asked for a settlement due to a hardship and he refused that as well, explaining that I was not in a hardship and accused me of lying. He advised that I should have paid the debt and am violating the law by not paying in full. I was told that they can not settle apartment debts for a lesser amount and this is protected by law. When asked to provide proof of this claim, he refused again.
08/21/2016	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CT 06405	Web
This started with a dispute with a leasing company ( XXXX XXXX ) that claimed that I owed them money. They threatened legal action but instead went to a collection agency NCC Business Services , Inc. NCC sent a collection notice in the mail and I requested that they send proof of what they claim I owe. They in turn began to call me at home and work so I requested that communications be done through correspondence. After that I received a final bullying call to my cell phone and I reminded them to send a letter, instead they attacked my credit and reported negatively to credit agencies. I have yet to receive proof of what they claim I owe but somehow they have the right to tank my credit?
12/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 346XX	Web
I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX and XXXX and explained transunion removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX and XXXX if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you
09/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	SC 29579	Web	Older American
When Collection agency first contacted me, I was only told that if I did not pay the debt off, my name would be reported to all XXXX credit bureaus. I was not told I had the right to verify the debt and that by disputing it, I would not have to pay anything until the issue was resolved. I agreed to pay XX/XX/XXXX, but only found out by mail a week later that I could have disputed the debt until I received verification. I then wrote to the Collection agency as did an attorney on my behalf asking them to cease further collection until the dispute was resolved. They still automatically withdrew money from my checking account this month, putting me in a very awkward position financially.
03/01/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30076	Web
NCC Business services has called me multiple times. Every time they call I try to make arrangements TO PAY AND RESOLVE the debt. They will gladly setup a payment arrangement but refuse to give me any paper work on the matter. They said if I would make a payment arrangement and pay it on time that it would not go on my credit. When I ask for said paperwork stating those facts they refuse to give to me repeatedly. They say that is not something that they do and that I should take their word. I did a lot of research before dealing with this company and their word does not have a good reputation. Im not providing them with any further information or payment without a written agreement.
12/18/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33604	Web
Wednesday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Thursday XX/XX/XXXX @ XXXX Tuesday XX/XX/XXXX @ XXXX Tuesday XX/XX/XXXX @ XXXX * I have more calls coming from this Debt Collector that keeps calling and harassing me on a regular basis. I had asked him to stop and he continues to call me and harass me with attitude about a debt collection I owe. He is now contacting my family without consent and just wont stop after I had asked to stop. His name is XXXX/ XXXX . When you call back it goes straight to him. This is a scam and I would like it to stop. The harassing is getting to be too much for me especially that Im pregnant and dont need the stress.
01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33547	Web	Servicemember
This was a " debt '' I got after we moved out of a shared apartment during college. We had perfect renters history and had a {$0.00} security deposit because of it. After living at this apartment for a year, and moving out ( leaving the apartment in good condition like when we moved in ) they decide to hit us with {$650.00} in fees!! I received NO notice from the apartment complex and was sent straight to collections, so I did n't receive word until about 4-5 months later. It was a joint debt shared by 3 people. 2 of those people paid their share, including me, and yet I was not removed. Debt collector lady said she could not tell me if I could be removed from this debt.. XXXX
11/30/2018	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	CA 92544	Web
I have an account sent to collections in the amount of {$490.00} that was paid off in XX/XX/2016. I was advised by my lender to call the number provided NCC Business Services, he told me they should be able to remove this from my credit record and if they do not comply then I should file this complaint. I called the telephone number provided XXXX. They told me they couldn't do that, that " it's not what they do. '' It was shown to me that having that remark removed from my record would raise my credit score significantly. It has been a major inconvenience for me as my family is trying to purchase a house. I would really appreciate this issue being resolved. Thank you.
10/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85209	Web
This collection has been reported on my credit report. This collection is not valid as I have never resided at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX reported a joint account opened XX/XX/XXXX for collections in the amount of {$3500.00}. Reported as NCC Business svcs inc. XXXX. XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX reported collections for the amount {$3500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX reported a joint account opened XX/XX/XXXXXX/XX/XXXX for collections in the amount of {$1500.00}. Reported as NCC Business svcs inc. XXXX. XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX reported collections for the amount {$1500.00}
05/20/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MD 21223	Web
i found the a have a debt in my credit report i never not once received any letters about this debt, the debt is from a rental property i left without a walk out inspection.Now i have call the collection agency multiple time and ask them to please send me a statement like that i can mail my payment, the told me the send it in the mail on XXXX/XXXX/16, today is XXXX/XXXX/16 and i never got anything in the mail, the keep telling me i can use my debt card or bank account to pay i explained to them i did not want to do that, i am willing to pay but the refused to send me a statement for me to be able to mail the payment how can i make them send me the statement
12/28/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA XXXXX	Web
On XX/XX/XXXX and XX/XX/XXXX I reached out to NCC Business Services regarding an debt with a Apartment I had back XX/XX/2016 with my ex girlfriend. I called to see about settlement woh them I was told no this account can not be settled for anything less. The XXXX the phone was rude acted very non chalant said your working you dont need a settlement if oh were out work we could do something. So I questioned him telling him if I was unemployed wouldnt be able to do anything. Im working need this matter taken care of in a timely matter willing to do 60 % of {$2800.00}. I have a family to provide for ready for this blemish to be removed from my credit history.
03/03/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75063	Web
XX/XX/XXXX, I sent my first email after a phone call with a representative at NCC Business. They have not been responsive and never assist me when I call. I am always told that I will be transferred to the person handling my " case '' and I only get the voicemail. Many times I call and the call is disconnected after a long wait time. I have been trying to resolve this error because they have placed an invalid collection on my credit with all three bureaus and have done nothing to verify this information for me. I have disputed this case with them and have begun the dispute with the credit bureaus. This is my final attempt at resolving this issue.
11/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60046	Web
the collection agency NCC, phone # XXXX, repeatedly call my number and asks to talk to someone that is not me? I informed them that I am not the person they are trying to contact and requested on several occasions to not call my number and, to remove my contact information from their files. I spoke to a supervisor, XXXX XXXX and informed him of their continued ignoring of my requests. They continue to call with being very verbally abusive with using threats & foul language. Now I have resorted to do the same behavior. They have called on the following dates & times ( cst ) XX/XX/2016, XXXX cst ; XX/XX/2016, XXXX ; XXXX, XXXX ; XX/XX/2016, XXXX.
12/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33169	Web
Moved from an apartment that I lived in XXXX, Fl. Companies name was XXXX XXXX and I was laid off of my job and rent was more than unemployment gor the month. I wrote them a letter expressing my concerns and got no response I moved out XX/XX/2014. I put down a {$1500.00} deposit when I moved in they took that and said i owed for {$1700.00} misc. Things that were not true. I tried calling the company to show I left the apartment in mint condition. All they sent me was the lease. I have made numerous attempts to get this off of my credit because its the only collection I have. I am looking forward to buying a house and I need this removed.
03/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MA 024XX	Web
NCC Business Services continues to report and is actively trying to collect on a rental contract agreement that was not assumed in my discharged bankruptcy fromXX/XX/XXXX. The rental contract is void as any contracts and leases I had at time of filing were not assumed and were discharged. Any amounts owed in rental lease I singed I am not responsible for. This company has reported these amounts owed from the contract on my credit report. They were contacted XX/XX/XXXX with documentation not remove from my credit report. They have not been respondant after the pass of a 30 day investigation. They are causing harm to my credit report.
08/01/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	FL 32765	Web
I never received information regarding the debt that was owed by the apartment complex they reported I owed money to. There was never a letter sent to notify me of the debt that was owed from the company I received the debt from nor did they provide proof of the balance that I owed. I received calls that were very unprofessional. I paid off the debt because of the harassment I received but I do n't think the amount I was charged was valid being they did n't provide any proof of the debt I owed. I was pressured into paying the debt. Now the debt is showing up negatively on my credit reports. They should n't be on my credit report.
11/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90292	Web
I believe the apartment leased was uninhabitable after 4-5 months of dealing with schedule XXXX XXXX being leaked from another unit into mine on top of constant water flooding of my unit from above. I contacted the manager no less than 10 times through written and verbal complaints about these issues. I left a notice of abandonment and vacated the property on XXXX/XXXX/2015 leaving it in reasonable condition. The company is currently trying to collect {$4800.00} for around 45 days of rent while they tried to collect a premium renting my unit. They eventually leased it for around {$200.00} less than I was paying at the time.
08/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web
I recently discovered that a collections listed under Chapter XXXX BK although paid was a results of ID theft. I tried explaining this to a collection company NCC who I have never signed and contracts or documents with nor I have ever signed any contracts with the original debtor. I have never received the documents validating anything was signed or proof they believe it belongs to me. NCC is fully aware of my position but refuses to remove this from my file. I will be contacting the original credit as well as NCC to file suit immediately upon submitting this complaint. Ive been trying to settle this matter since XX/XX/2019.
01/13/2016	Yes	Credit card	Credit card protection / Debt protection	NE 68123	Web
While trying to get the Balance, Address and Phone number so that I can supply information to the collection agency servicing my XXXX smartconnect account, I was given a new number with every contact ( XXXX different numbers ). Each contact either refused to give or stated they did not have the information to give. When I finally got the collection agency 's name and number ( NCC Business Services XXXX XXXX ) their automated system discloses before verification that this is a debt they are trying to collect. When an agent answered the call she stated that she would be unable to help me because the case was in another office.
12/03/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 22043	Web
About two months ago, NCC Business XXXX called to collect a debt from XXXX ( a rental company ). I asked NCC Business XXXX for their XXXX XXXX number and they told me they would call back. Today, XX/XX/XXXX, I had two conversations with them, they assured me that debt was not for damage, but for utilities. I asked them for their XXXX number, they would not give the number. The supervisor claimed that NCC complies with all local regulations. I accessed the XXXX XXXX XXXX and printed out their XXXX number which was revoked on XX/XX/XXXX. I called back and informed them of this fact. This was on a recorded line on my side
05/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 91367	Web
I went to apply at an apartment complex 1.5 months ago and they made a mistake and stated this debt XXXX from another apartment complex ( which I never owed anyway ) was still on my credit as unpaid ... later I looked at the credit report copy she gave me about 3 weeks later and it stated it was discharged in the bankruptcy and my father already paid this debt. And NCC lied and stated it was not included in the BK and I know they were notified last XXXX 2015 that it was, I wrote them 15x and the manager said he would refund my fathers card and he never did. I have proof of all documentation and even the credit report ....
10/31/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32746	Web
I pulled my credit report on XX/XX/2018 and noticed some collection accounts that I have never heard of before. The collection company in question NCC BUSINESS SERVICES claims that I owe money to them for a bill that I have had in the past. I demanded that they validate the debt under the FDCPA on XX/XX/2018 via a letter sent regular mail, they never replied. They continue to keep this account on my credit report to this day after several rounds of letters to them demanding that they validate this debt. Now that this has gone on this long I am filing a complaint to have this debt removed from my credit report.
05/29/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32301	Web
Correspondence was sent to NCC on XX/XX/2016 inquiring about a {$10000.00} debt reported to XXXX , XXXX & XXXX . I requested information regarding the company to which I allegedly owe the debt and a detailed breakdown of the fees that I owe. As of today, I 'm still waiting on a response. I believe that this debt is not mine and the fact that NCC has never provided any verification of debt, further proves this for me. FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illegal for NCC to continue reporting this debt.
02/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 34491	Web	Servicemember
XXXX is the rental management company for the apartment complex XXXX that i signed a 1 year lease with and set up auto debit for rent payments. they served me with a 3 day notice to vacate due to non payment. after i proved they had debited my account for the rent the property manager XXXX called me and insulted me and called me names and let me know i was n't welcomed there anymore. so i moved out due to a tremendous amount of XXXX and anxiety they caused me.now they are charging me for the amount of time it took them to rerent the apt.they reported me to the collection agency ncc business service in XXXX fl
07/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77396	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NCC BUSINESS SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
02/28/2017	Yes	Debt collection I do not know	False statements or representation Indicated shouldn't respond to lawsuit	FL 33311	Web
On about XX/XX/2016 I disputed this debt that is in collections on my credit report. I want it completely removed off of my account. I do n't know where it is coming from and this collections agency failed to verify any literature as proof of contract with them. I sent a dispute letter to remove this account of of my credit report on about XX/XX/XXXX and XX/XX/2016. Neither times this collection agency responded. It shows on my credit report as an OPEN collections account and that I owe {$180.00}, I want it to be deleted completely. Attached is the letter I certified mailed them last year.
04/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75063	Web
This is my second time reporting this company. They have not communicated with me to resolve this issue. The last communication that I had with them was on XX/XX/2018. I called twice and sent two emails. I requested to have all documentation of communication and anything relating to my case sent to me. They have chosen to simple not respond to my emails. When speaking on the phone, I was told to give them 2-3 business days. It is now the XX/XX/XXXX. They know that they are in the wrong and are refusing to work with me to correct this. The collection isnt valid and it needs to be deleted.
04/24/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20785	Web
My complaint is to creditor, NCC Bus Sv, which I was never notified of this ridiculous amount they claim I owe which is {$4500.00}. Last year XX/XX/2017 I vacated XXXX XXXX XXXX my rent was XXXX plus late fees 5 % which leaves XXXX, I left the apartment 2 months prior to my renewal date which was XXXX due to rodent issues. I was never contacted by this company thru mail or by phone, this year I got a copy of my credit report and it states that I owe this outrages amount which is twice as much I owed for rent plus the late fees, I want to know where did they get this outrages amount from.
05/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MI 48423	Web
This company contacted my sister as well as my co-worker and stated that this is a debt collector looking for XXXX XXXX. They continued to contact them and left voice mails numerous times, despite being told not to call them again. This company also misrepresented themselves as having a license and registered debt collector in the State of Michigan but they are not. This is a debt account that does not belong to me. I called this company and mailed them a letter requesting validation on XXXX XXXX. They never responded to my request. In fact I never received any letters from them ever.
07/25/2018	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 155XX	Web
I was told by XXXX XXXX XXXX XXXX XXXX in XXXX Florida once this debt was paid off it would come off my credit report, as of this date it still remains on there. It was paid in full in the amount of XXXX on XX/XX/2018. That means it remains on my credit report for 7 years which is ridiculous, it was paid again in full, not settled in full but in full. That decreases my credit score when it comes to even getting car insurance, and 7 years is the going rate for XXXX XXXX in a number of states, I've went through this with another company before, they should not be permitted to do this.
04/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FM 33056	Web
This is debt do not belong to me. I sent court documents and a letter from previous landlord to proved that I was not living in/on the property. XX/XX/XXXX I moved into XXXX XXXX XXXX XXXX XXXX, FL XXXX. I lived there until XX/XX/XXXX. I received court documents from landlord giving me notice that I have to move from the property with in 60-90 days because the property was being sold. XX/XX/XXXX the property was sold I was given additional time to move my belongs into my new residences which is XXXX XXXX XXXX XXXX. Currently I am still residing here until further notice.
06/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MO 63118	Web
According to my XXXX and XXXX credit file, NCC started reporting this non-validated debt in XXXX. I have sent multiple letters requesting that they either validate the debt or remove these entries from my credit file. They have done either. This debt remains on XXXX the aforementioned agencies. Some of these letters were notarized. The dates these were recently mailed were on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and as recently as XXXX XXXX, XXXX. The item was removed from my XXXX report dated XXXX XXXX, XXXX. I have never been notified of this debt.
03/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75702	Web
I am going to be hones I due owe my old apartment complex. I have tried to get the collection agency and apartment complex to either mail me or email me a VOD i have proof that i requested for the collection agency to email me a verification of debt and validation of debt i have the emails with the time stamp as proof to back me up. The balance is extremely to high from the paperwork that I was giving showing my outstanding balance if someone could please contact me on my phone at XXXX or via email XXXXXXXXXXXX please I really want to resolve this issue. Thank you.
05/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32244	Web
I have NCC Business Services r eporting to the credit bureaus That I owe a debt from a rental property company ( XXXX XXXX ) I have never heard of or lived at. I tried disputing the account with all XXXX credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.
06/11/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33624	Web
Previously advised agency that I was in dispute with the original creditor regarding fees associated with move out.. carpet replacement fee, Agency refused to allow me time to negotiate with original creditor regarding this. They reported to XXXX after I adivised several times I wanted to discuss with original creditor.. within 1 30 day period they reported same account 3 times to XXXX in hopes of decreasing my score ... I am still in dispute of my liability of replacing carpet at apartment I paid apartment over XXXX dollars all I owed minus disputed items
08/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30339	Web
NCC Business solutions is currently stating that I owe them {$520.00} for a debt for an apartment building I never lived in. The only thing I did was submit and application to live at the apartment building and I was turned down. The application for the apartment building was only {$25.00} which I paid at time of application. I am confused to as to why they are stating I owe them {$520.00}. The original creditor/Owner of the debt as acknowledge that his debt is not mine and have made attempts to solve this matter but NCC business solutions has not budge.
05/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
I moved out of my apartment on XX/XX/2017. Turned in keys and gate key card. The person took my information just in case I may owe something. Never received any notification about the debt and then in XXXX a collection shows on my credit reports. I have contact the apartment front office and also Headquarters but no will call me back or send a letter breaking down why I owe the amount. This should not have been in collection if I never received any notice. I will continue to disputes until some one contact from XXXX with a break down of the charges
01/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33907	Web
My and my ex girlfriend had a lease in XX/XX/XXXX to XX/XX/XXXX at XXXX. We fulfilled a year lease around XX/XX/XXXX and was on a month to month basis. We moved in XX/XX/XXXX a week early. Since we paid rent before the month.now they claim we broke the lease which we never had. Reported XXXX different balances to ncc {$1400.00} and {$500.00} Ncc was n't provided our lease by XXXX but reported these amounts on my credit report. Since I moved XXXX has n't contacted me about this issue. This has happened to a few other people who has rented there.
09/05/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	VA 223XX	Web
This is a medical account with XXXX XXXX in connection with a hospital visit on XX/XX/XXXX. The debt collector is NCC. They have been harassing me for the past few months by robocalling/ leaving me at least 3 open voicemails on my cell phone without any message. I spoke with them on XX/XX/XXXX and verified the debt and asked that they stop doing that because it is annoying and taking up too much of my time when no one actually calls you. My phone does not ring. It goes immediately into voicemail and a voicemail isn't left. I need that to stop.
02/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	IN 46203	Web
While attempting to refinance my home the title company has come across XXXX liens on my property that appear to be filed by the collection agency to collect a debt that was not my debt originally. Thus debt tagging is what appears to be taking place. I have notified them directly to assist with taking care of this illegal practice. I have also attached the documents that I have submitted to them directly. I had an incident in XX/XX/XXXX from XXXX collections to try and collect a debt that was not mine. In all instance our names are similar.
09/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 76201	Web
The debt I 've acquired is from an apartment complex in Texas I lived in about 5 years ago. Upon moving out I was charged my full deposit plus other ridiculous fees resulting in me owing over {$500.00}, which I had no intentions on paying. To this day I have never been contacted to repay this debt by the apartment company or the collections agency. The only reason I know it was turned over to collections is by checking my credit report.I still have had no contact with either party but am seeking information on how best to handle the situation.
12/18/2016	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	TX 78245	Web
As a consumer who do know my legal rights under the FCRA, FDCPA, XXXX and also CPB I am now demanding action against XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX Texas XXXX. These people claim I owe them {$250.00} for moving into there apartments but I never ever signed a legal document or lease. I tried contacting them and they would cooperate with me, totally unprofessional so I am forced to fill out complain. Will stop reporting them when they stop trying to extort me and defame me as a person by deleting this off my credit reports.
09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	DC 200XX	Web
NCC Business Services in XXXX Florida insists that it takes 10 days to obtain a proof of payment from them, claiming " first come first served ''. Representative said it was like signing a credit card statement at a restaurant. When I mentioned the process does n't take 10 days at a restaurant she said again " first come first served '' as though there were ten days worth of trucks full of payment receipts needing to be processed. When a payment is collected, I should be able to get a receipt as soon as the funds come out of my account.
02/07/2018	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	VA 22310	Web
I received a voicemail asking me to return a call, which I did. The person I spoke to told me that I owed outstanding hospital bills. Part of the bills have been paid and I am waiting for a settlement in the case to pay of the remaining XXXX expenses. My lawyer has been in contact with the hospital. The debt collector became very hostile and abusive as I tried to explain this and kept insisting that I had to pay. I ended the call because it was very upsetting to be yelled at. NCC Business Services is the name of the debt collector.
06/19/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web
My mom got an apartment in her name and the company REQUIRED my sister and I to sign because we were XXXX. My sister and I went to college and when we came home my mom had moved out without finishing paying. Eviction was placed on our credit. My mom filed bankruptcy in 2012. This is still on my credit and it does not belong to me. As of today, I have filed disputes without any success AND my mom had to end up making payments on this after she already filed bankruptcy. It has been 7 years and I have not been able to get my own place.
09/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 77040	Web	Older American
I checked my credit report and NCC Business Services was on it. I have never done business with this company. They never sent a notice of right to dispute. I sent them a certified letter advising them that they never sent a dispute letter. My 1st letter is dated XX/XX/2016. They sent the dispute letter dated XX/XX/2016, after I told them they never sent a dispute letter. I then sent another letter dated XX/XX/2016 in response to their XX/XX/2016 letter. Please see the attached documents. PLEASE HELP I AM A XXXX THIS IS XXXX!
10/03/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85085	Web
This company ( NCC BUSINESS SVCS INC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$9400.00} and {$8300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
08/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18062	Web
Our previous landlord placed some charges incorrectly on our account. We attempted to resolve it with them but they refused to remove the charges. We refused to pay and they sent the debt to collections. Our primary complaint is over the debt not being owed, however we have a secondary complaint that when the collections agency contacted us, we replied via certified mail disputing the debt and asking for additional evidence. They failed to respond to that letter, further indicating to me that this debt is not valid.
05/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO XXXXX	Web
Starting in XXXX of 2016 i started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. thi s is NOT RIGHT. also- this item appears XXXX on my credit report.
05/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75051	Web
I never heard for this place prior to it showing up on my credit report in XX/XX/XXXX. I wrote them two letters XX/XX/XXXX and XX/XX/XXXX ( i have copies of the letters and priority class mail receipts ) asking them to validate this XXXX debt that theyve reported to the credit bureaus or have it deleted. It was removed from my credit report around late XX/XX/XXXX. Then added back on my report XX/XX/XXXX ; I still have yet to receive any type of validation or any attempt to collect the amount they claim I owe.
05/19/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MI 48152	Web
NCC Business Service is reporting an item that does not belong to me. I mailed a letter or dispute on XXXX XXXX, 2015 to NCC Business Service regarding the gross lack of proof in their response to request for validation as I did not/ do not recognize this alleged account as belonging to me. NCC Business Service did not respond to my letter of dispute within XXXX days, in fact they never responded. In addition NCC Business Service did not report this item as in dispute status with the credit reporting agency.
06/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30144	Web
I contacted NCC in XX/XX/2015 and advised I did not owe any debt to XXXX, I sent the documents from XXXX confirming I had a XXXX balance with them and I owed nothing to them. This was sent to NCC who advised it would be removed within 30-60 days due to balance paid. I received no letter as well as debt is reporting on yardi rent bureau as well as it is affecting my credit. This company has not resolved this issue in a year which is unacceptable. Now I can not rent a new apartment due to this error by NCC.
03/25/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	KS 66213	Web
NCC Business Service collecting for XXXX XXXX XXXX for daughter 's apartment rent. I ( XXXX XXXX father ) was on the original lease. Lease expired, under pressure daughter signed new lease ( XXXX XXXX did not ). Daughter moved out XXXX charged daughter XXXX XXXX with breaking lease. Sent lease collection to NCC. NCC/XXXX have XXXX XXXX under collection but he is not on the lease. XXXX cant provide proof XXXX XXXX was on lease but still not changing credit score. NCC will not provide proof of lease either.
01/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 212XX	Web
I have no knowledge of the a debt thats being reported on my credit report. I 've disputed this asked for verification of the debt and with no response from the company, I called the listed original creditor and informed them and was told I must contact NCC, no one will give me information, I filed a police report and disputed with CRAs, this is ruining my credit and its not my debt! When I call NCC I constantly get transferred and hung up on when they realize im not paying a 2k+ debt that is NOT MINE!!!
01/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77429	Web
I have NCC Business Services on my credit report twice. They claim I owe a debt from XXXX XXXX Apartments. In which I have never lived in these apartments in my life. I gave my financial coach XXXX XXXX with XXXX the consent to speak on my behalf to see about clarifying the paying of this debt. Come to find out that they have this debt under another XXXX and under a different date of birth and social security number. I will provide my credit report and the consent form I signed with my Financial coach.
11/12/2018	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 29212	Web	Servicemember
Without informing a consumer/ customer, with a legit itemized reciept, proves the inaccuracy of debt. Fulfilling my 12 month lease, and cleaning my apartment beautifully after moving out, should have created less debt owed. This is a crime and it will not go unnoticed. NCC has ruined my reputation of credit and is causing me to take legal actions because of the unprofessional way the business chose to handle a loyal customer. I'm unhappy with the inaccurate information the company reported. Illegal
12/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32712	Web
I have requested validation of the account that has been attempted to collect on from this collection agency and I have not received anything back by postal mail. It has been well over 45 days since the original request was sent. I requested this to be done back in XXXX 2017 and I have not received any correspondence as of yet. It has been approximately 23 weeks and 5 days. The collection amount is listed on my credit monitoring site for {$220.00} and I was never made aware of such debt in writing.
11/09/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NM 87121	Web
When I had moved from XXXX XXXX Apartments inXX/XX/2016I had preformed all necessary checks with the front office to ensure I left the property in good condition prior to moving. Due to the harassment, and quite frankly, discrimination from the front office they elected to attempt to bill me further for services that were not warranted nor rendered. This debt is invalid and not owed by myself. I request the negative reporting to be removed immediately as it is in violation of the FDCPA and FCRA.
07/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 635XX	Web
I received a call from NCC a debt collector for XXXX XXXX XXXX. I did not have any information about the issue and no correspondence. I asked the agent with NCC to send me verification of debt. He told me to email their company. The next day I received another call from another debt collector. I asked for verification of the debt. I was told that they don't have to provide that information and the debt was owed. I have a video of the apartment after we moved. No one has responded to my request.
03/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 283XX	Web	Servicemember
I contacted this company at the start of XX/XX/2018 for collections found on my credit. I sent validation and I'm return I received a lease and a list of hand written damages. The lease was typed and was for an XXXX XXXX, which is not me. I responded to the company with questions about maybe my social or my ID. Because every apartment I've rented has taken copies of both. But received not answer back. It also looks like the lease was tampered with and dates were written over. Very shady!
04/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA XXXXX	Web
RE : Original Creditor : XXXX XXXX XXXX XXXX AT THE TIME I TURNED IN MY KEYS FOR THE APT I WAS RENTING, I WAS NOT TOLD NOR GIVEN ANY NOTICE OF ANY MONIES THAT WAS SUPPOSEDLY OWED. I NEVER RECEIVED ANY SUCH NOTICE EITHER. I LEFT A FORWARDED MAILING ADDRESS AND NEVER RECEIVED A BILL. IT WAS N'T UNTIL I CHECKED MY CREDIT REPORT SOME MONTHS BACK THAT I SAW THE ACCOUNT WAS IN COLLECTIONS OVER A YEAR AFTER I MOVED OUT. THIS ACCOUNT IN MY CREDIT FILE HAS SINCE BEEN DELETED FROM XXXX XXXX.
07/22/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30277	Web	Servicemember
The company is asking me to pay an account established at XXXX XXXX XXXX XXXX, in XX/XX/2017. I live in XXXX Ga and have already filed a case of Identity theft with the police and consumer credit reporting agencies. I contacted them on several occasions to ask for the proof the account is mine, or to verify their legal right to collect. I want to file this compliant because, they are purposefully misrepresenting information, either way its being done to harm my name and reputation.
07/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32809	Web
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate
04/05/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	GA 30012	Web
On XX/XX/2017 my attorneys submitted a dispute of this debt on my behalf. At which time NCC Business Services was reporting this debt to XXXX. NCC was not able to validate the debt owed, so the account was deleted. NCC are currently reporting this debt to XXXX and XXXX despite the fact that they can not validate. They are in violation of the FCRA. As they continue to report an invalidated debt to the remaining agencies, when they requested the debt be removed from one.
01/10/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77073	Web
I was a victim of identity theft and noticed a collection from NCC BUSINESS SERVICES INC 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 NCC BUSINESS SERVICES INC 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
10/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 106XX	Web
I called the company today to tried and get this fraudulent information removed they stated that the apartment complex never responded to the fraud request back in XX/XX/XXXX. I told the rep that as you are not able to verify this info to please remove it they told me they would not. I requested that the credit companies send over the police report filed. They have this information and are refusing to have the information removed from credit.I am at a crossroad.
06/05/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 33603	Web
On XX/XX/2018, I sent the attached letter to NCC Business Services Inc. disputing the validity of the debt they say I owe. As of this date they have not responded to my letter or sent me proof of this debt yet they have continued to call me and leave me voice mails advising they are attempting to collect a debt. They need to stop calling me they have not responded to my previous letter or provided any supporting documentation regarding this debt they say I owe.
07/20/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 93906	Web
NCC BUSINESS IS ATTEMPTING TO COLLECT DEBT I DON'T OWN AND THEY THREATENED TO SEND POLICE TO MY HOUSE TO ARREST ME IF I DIDN'T GIVE THEM MY CARD OR BANK ACT NUMBER OVER THE PHONE. THEY ARE CALLING MY RELATIVES AND AT MY WORK NOW ... THIS IS REDICULOUS PLEASE STOP THIS ILLEGAL ACTIONS ... XXXX XXXX XXXX XXXXXXXX XXXX IS NOT EVEN IN THE BUSINESS ANYMORE IF I OWED THEM MONEY THEY WOULD HAVE REACHED OUT TO ME DIRECTLY BUT THIS ENTITIY DOES NOT EVEN EXIST ...
05/22/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27407	Web
For 3 years this company has been ( robot ) calling me for a minimum of 4 times a day. They are trying to contact a person who once lived at my residence. On at least 4 times I have told them that I am not financially responsible for this person, this person is no longer living with at this residence, is deceased, and I am not the administrator/executor of his estate. Are collectors usually are prohibited from contacting third parties more t han once?
02/09/2017	Yes	Credit reporting	Incorrect information on credit report Account status	TX 78664	Web
A paid account sent to collections, which was paid on time as soon as i received the bill. I have a copy of the payment, signature of management team approving my payment, also have the stub of the money order which was used to make the payment. Been to the manager twice and was told it would be rectified, but still showing in collections preventing me from renting apartment. i need this removed asap before i have no place to stay until it gets cleared.
11/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60077	Web	Older American
I received a call from XXXX from NCC Business Services XXXX XXXX XXXX XXXX, Florida XXXX today. This is the 10th call I have received during the past few months about a debt that I never owed but they won't stop harassing me. I have no debts and never have had any debts and I learned from the internet from various websites that this company is fraudulently calling people trying to scam them into paying non-existent debts. I hope you can stop this scam.
07/03/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 330XX	Web
I received an alert on my credit profile showing a hard inquiry has hit my credit report from a business in XXXX FL NCC. I have never received anything in the mail giving me a Chance as a consumer to dispute a debt or to prove me the debt is mine. This is unfair and unethical. This is a repeated pattern with all of the reviews I have read about this company. I contacted NCC immediately and they could n't not tell me anything. This has ruined my credit.
05/21/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30260	Web	Servicemember
NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Reporting to my credit X/XX/17. Negative impact to my credit by NCC Business Services. I never received any written knowledge of this debt. I do not have any known knowledge of this debt nor the reason as to why I am being affected by the debt. I request validity of the debt, including signatures, photos, any pertinent information that can confirm the validity and ownership of this debt.
03/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20011	Web
On XX/XX/2018 I sent Certified Mail to all 3 Credit Bureau. XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX. Requesting verifiable proof of the original signed consumer contract. Under the FCRA, Section 609 ( a ) ( 1 ) ( A ). And of today XX/XX/2018 none of the 3 major Credit Bureau havent provided any original signed consumer contract. Company : NCC Business Services / Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX Balance {$7000.00} / Account # XXXX
08/04/2019	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	SC 298XX	Web
I have sent a complete pack of information to XXXX. They stated they could not find my file. They sent a letter asking for a hole bunch more of information. They are refusing to open an investigation into my identity theft. I have sent them a copy of my Driver Lic. Police Report, SS card, Identity Theft Victims Complaint and Affidavit, Identify Theft Report, State of SC Identity Theft Report, Birth Certificate, Pay check stuff, Lease, Utility bill.
02/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92571	Web
NCC business services is reporting I owe {$1000.00}. This was joint debt for an apartment. I filed suit and won in small claims court against my roommate, XXXX XXXX XXXX. He is fully responsible for this debt. I have provided all documentation to NCC business services. They refuse to accept it. I have asked for debt validation and they have not produced any documentation. I do not owe this debt any longer and I want it removed from all 3 bureaus.
09/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	FL 34639	Web
There is a collection account on my credit showing it was opened in XXXX and it was NOT. The account was opened in XXXX or XXXX so it has been well over 8 years. I have tried to contact the collection agency in which this debt is placed and the number provided on my credit report for the agency does nothing but automatically hang up on me. This derogatory mark is preventing me from obtaining a home for me and my XXXX children. Please help me.
02/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17602	Web
I currently have an account of {$280.00} owed to NCC business services. This account is in collections from an apartment complex called XXXX XXXX XXXX in South Carolina. The account was placed into collections in XX/XX/2018. I have never lived in South Carolina and have owned a home for the past three years. I am not renting an apartment. I have spoken to both the XXXX XXXX and the collection agency and have not been able to resolve this.
01/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94598	Web
In 2014, I lived for a year at XXXX XXXX ( XXXX ). After moving out I was asked to pay for carpet replacement. The carpet was not in a good condition when I moved in and I was surprised they expected me to pay for brand new carpets when there werent new carpets when i moved into the apartment. I tried to explain and reason with them to no success. They have since reported me to collection and placed a derogatory mark on my credit history.
08/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28037	Web
NCC Business Svcs Inc XXXX XXXX XX/XX/2015 for XXXX False charges. This issue was resolved with XXXX XXXX from XXXX XXXX. There was black mold in the apartment and by NC Regulations Inhabitable and Hazardous to live in. These are false charges and predatory practices of harrassment from the former manager at XXXX XXXX. She harrassed me with outstanding false billing and lied about these charges. This is not my account.I owe no debt.
11/03/2018	Yes	Debt collection Other debt	False statements or representation Told you not to respond to a lawsuit they filed against you	WY 829XX	Web
I have a collection on my credit report from ncc for the company XXXX XXXX in XXXX XXXX Wyoming. The amount is for XXXX dollars and first they tried to tell my fiance not to bother to come to the hearing that was at a a later date thrown out of court the debt was for supposed damages and late fees that was compiled by paying rent 2 days late for months not knowing about this and was never told about the debt. This was in XXXX to XXXX.
11/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	FL 32246	Web
Please be advised i was contacted by phone on XXXX/XXXX/16 by NCC BUSINESS SERVICES claiming i owed them around {$1900.00} i asked them to send me a statement on how they come up with this figure and the original document bearing my signature agreeing to pay this and from whom the original creditor was. i havent received anything in the mail from NCC and since then they have reported an ADVERSE account to the credit reporting agencys.
07/14/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72206	Web
I filed a complaint CFPB against this company on XX/XX/19 and the company responded admitting that they had no relationship with me!! Therefore, I should not be held accountable for an unknown, unauthorized, unverifiable or non- validated account that does not belong to me. The amount has Severely damaged my credit from each of the major bureaus. Its only fair to correct this due to the inconsistency on the behalf of this company.
11/27/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92865	Web
I mived out of my apartment. I always paid rent on time as agreed. When we moved they kept the security deposit and then they came out of nowhere saying I owe them an additional {$2000.00} I just plain and simple don't owe them this. They are trying to take it to collections and threatening my credit and my livelihood. They have no legal grounds, I have never acknowledged that I owe them this. I was informed by a debt collector.
06/03/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76133	Web	Servicemember
For the last past 6 months I have been filing back and forth disputes with all 3 credit brureau for a false collections from an apartment. I've also tried to contact the apartment complex for history of me owing, they never answered or sent anything to me directly. Didn't know I was falsely accused of owing anything until it was put on my credit background. For the following amounts of {$2100.00} and {$330.00} both apartments.
05/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA XXXXX	Web
I used to live at XXXX XXXX XXXX in XXXX VA. My lease terminated normally, I gave notice and moved. When I moved ( 3 days prior to the end of the lease ) I properly exited the premises. I had give Deposit + pet Deposit + 1 month rent ahead of moving in. They are attempting to charge me for moving out. I did not owe anything. They said I used the trash service, to have items removed after my move out, which I did not.
02/06/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78748	Web
I never received any statement saying i owed anything and then suddenly there is a person calling me and asking me for my social and date of birth due to a debt I owe. I did not disclose any information as i dont know who this person or business is. Apperently, I think my old apartments are the ones who placed me in collections but again not truly sure because I never received a statement showing the items or damages I owed.
11/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30044	Web	Servicemember
Rented a home in XXXX, Alabama. The realty company communicated with a 3rd party collections agency without contacting me about resolving the debt sent from the realtor. The charges listed were incorrect, but the issue was not properly resolved. I attempted to communicate with XXXX about the accused debt by letter, phone and email without response, but was sent to a debt collections with no communication from the company.
06/21/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08054	Web	Servicemember
NCC XXXX based out of XXXX, FL, have been calling me Monday through Friday from approximately XXXX to XXXX, for the last month without fail. They have my Brother-in-laws, my wife 's, and my information claiming we owe an apartment complex a varying amount from {$2000.00} to {$4000.00}. Everytime I spoke to a representative, it was a different amount. I have asked them to stop calling until they get their story straight.
11/09/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	FL 33196	Web	Servicemember
I live in the state of Florida, and have an agency contacting me on a debt in the state of NJ, not incurred by me. I have had a lock on my credit due to identity theft for about 3 years, provided these folks with proof of residence etc. and the last straw was when NCC Business Service, who 's tarnished my perfect credit with a balance of {$1500.00} contacted my place of employment, where I 'm a XXXX with this matter.
05/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31548	Web	Servicemember
NCC BUSINESS SERVICES r eports to my credit report that I owe an apartment community that is no longer in business. When I asked the representative on the phone for verification of the debt he was not willing to help resolve this matter. I have made multiple attempts to resolve this and they are not willing to help. To this date I have never received any type notice that I can request validation of the debt.
07/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30122	Web
This company NCC is reporting a debt for {$460.00} on my credit report with XXXX thats I do not owe. I r never had an contract with NCC Business Service. I have reached out to them several times. i have signed a afadavit they sent me stating its not mines. They still have yet to remove this from my file. This has negatively affected my score for months. I need this removed ASAP. Ive never had no business with them.
08/25/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19063	Web
Received a phone call on XX/XX/XXXX by NCC Business Services XXXX XXXX XXXX XXXX XXXX, XXXX Florida. about a {$2000.00} debt and asked to send me a written copy of the debt original signed aggreement and the balance from zero to present. As of XX/XX/XXXX never received anything so they are in violation of the fair debt Act, They also sent notice to the credit agencies. I also sent them proof of credit card payment!
05/10/2019	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	GA 30094	Web
This company refuses to remove this account off of my credit report after contacting them and the initial point of contact company XXXX XXXX. I have asked them several times to remove this account from my credit report as one it has a XXXX balance and I have never had any sort of business with them nor signed any contracts with NCC business services and they shouldnt be reporting anything on my credit report.
03/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89119	Web
My monitoring service is reporting a fraud account from NCC BUSINESS SERVICES in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$2500.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file as soon as possible.
06/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	TX 77090	Web
I call the company to payoff at Balance I never knew I had. I pulled my credit report and paid it off on the XX/XX/XXXX. In the amount of {$610.00}. So now everytime I run my report it shows as a red flag. I received my paid in full letter on the XX/XX/XXXX. But every time my credit is ran pops up as a balanced owed. I have Called the collection company, I tried disputing it as well and nothing has happened.
03/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MO 64093	Web	Servicemember
I was contacted by my old apartment complex saying I owned XX/XX/XXXX rent. I told an associate that I was leaving because I was XXXX. My lease was up on the XX/XX/XXXX and I left out late XX/XX/XXXX. I turned in my keys, I didn't think I needed to give them my XXXX since my lease was up. They called me and told me about the debt, I then emailed my XXXX and they told me that they could not take that.
05/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AL 36092	Web
XX/XX/2018 and XX/XX/2018 I received a letter from NCC Business Services INC. I requested validation of alleged debt. I did not receive the requested items but instead a bill was sent, with documentation of XXXX work done. On XX/XX/2018 was my last request validation to no response from the company. As of today 's date, I haven't received any correspondence since my last request for validation.
06/19/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 35235	Web
On XX/XX/XXXX i sent a certified letter to NCC Business Services requested that they validate an account that they put on my credit to the credit bureaus. The letter was delivered and NCC have yet to respond. Per the fair credit ACT they have 30 days to respond or remove the account if they can't validate. This is very damaging to my reputation as a business woman and has hurt me financially.
12/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34748	Web
I followed the guidelines this apartment complex gave me. I had to move because of my job which caused me to break my lease. I wrote them a letter explaining why I was moving a month in advance like they advised me too. Everything was fine until two years later they put me in collections. I followed there rules for breaking the lease without repercussions and I still got sent to collections.
04/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85027	Web
During a move to another state, my brother who co-signed my lease paid the final amount owed to the alleged collectors. Not until recently when I tried to purchase a home as a first time home buyer did I get notified of this debt. They claim of damages but never was notified of such in any fashion, I always forward my mail and by the way I have always kept my parents home as my main address.
07/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	AZ XXXXX	Web
We had sent a request for hardship to the district office that we were under the understanding was approved. We had a daughter that went through XXXX to save her XXXX. It was a time we had to move back in with family immediately. The company did not say or send us any documentation showing we had outstanding debt as the location was rented right away by a couple we sent in to the office.
05/10/2018	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	FL XXXXX	Web
Forced to move from XXXX at XXXX XXXX apartments in XXXX XXXX, FL due to foundation issues and mold. The foundation was literally on jacks when I moved. My lease was up and the apartment complex kept my deposit for reasons unknown. Never had any damage to the apartment on my behalf after 5 years. They never replaced carpet or painted as promised afterbeach year during lease renewals.
04/27/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23860	Web
XX/XX/2018 The company NCC called both of my personal numbers, my fianc phone number, and work place back to back. When they called my job, the representative wouldnt give me her name, the company, just stated I need to pay a debt or its going on my credit and never going away. She just constantly just to get my to pay a random amount of {$670.00} a month for the next 4 months.
12/05/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37013	Web
On XX/XX/XXXX i called the debt collection company and paid the total in full. Payment was a total of {$130.00} with company NCC Business Services. I was told the account would be removed/deleted my credit report wth the 3 major credit bureaus. I received a phone call on XX/XX/XXXX requesting the payment of {$130.00} again on an account that has already been paid in full.
07/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32836	Web
This my second time complaining about this company they simply respond to me stating the fact that I was righ that this dept was from XXXX XXXX XXXX my complain was that I never did business with this company or XXXX XXXX and I did a Id thief report Ill leave the FTC report number on here! Ill like for this company to remove this dept because its fraud and not accurate!!
01/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77489	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
07/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27614	Web
Company called NCC Business Service # XXXX says I owe them money. I do not owe them money. I have never been contacted by them personally saying I owe them anything. Nor, any company they are associated with have I ever received anything about owing them debt. Please help me thank you. They sent to XXXX to ruin my credit on XX/XX/15 for XXXX. I owe NCC Business nothing.
07/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77545	Web
In the months of XX/XX/XXXX and XXXX 2017, I made contact with NCC Business Services. Upon receiving payment for my collections they agreed to remove the collections from my credit. Since then they have NOT removed the item from my credit. Please pull up phone records with the company. I recently made contact with the company and they are still giving me the run around.
10/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33463	Web
NCC BUSINESS SERVICES open : XX/XX/2016 XXXX XXXX XXXX XXXX {$300.00} This company is reporting I own the {$300.00} I never used this company or have I ever been here this is fraudulent information our house is paid for why would I apply to stay here this information is wrong by the law I will sus this company and go to court if this is not removed off my credit file
07/19/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32836	Web
I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent
12/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20716	Web
NCC Business Services Inc has sent me a notice for a debt from a apartment complex XXXX. I have not received any documentation for the debt from the apartment complex nor have I been taken to court by XXXX in Maryland and got a judgement against me. I am a identity theft victim I do not want NCC Business Services to use my personal contact information or contact me.
09/01/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	FL 32817	Web
This place evicted me at the balance of XXXX and after that i called to see what ha pendwith my balance how do i pay it and they told me the balance is XXXX and i was out raged after 2 weeks i called back they told me the balance was XXXX now how is that POSSIBLE I LOST MY APARTMENT AT XXXX AND THEY KIP CHARGING ME AFTER AM GONE OF THE APARTMENT THAT 'S JUST IN SANE
08/07/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75241	Web
I filed a complaint with the BBB on X/XX/17 as the company, NCC Business Service, has yet to validate the debt that they are reporting to the credit bureaus.I have spoken with XXXX XXXX XXXX on X/XX/17 and they stated that they have no record of the file. On X/X/17, the BBB sent an email stating that they were closing the complaint as the company failed to respond.
06/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32701	Web
I called NCC and made arrangements to pay a debt that I owed and XXXX XXXX continues to call me. XXXX XXXX calls me and he seems not to remember that he has called me. XXXX XXXX calls me all the time early in the am and XXXX and XXXX times a day. I have made a payment on the debt and stated when I was going to make other payments but XXXX XXXX continues to call me.
06/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75063	Web
The original creditor XXXX XXXX XXXX opened the account XXXX XXXX. Debt was last reported XX/XX/2017 and was paid. The account is showing closed in the amount of {$0.00}. I was told by company that account would be completely removed from credit report once paid. Having this account showing on all credit reports display negatively to future creditors.
09/14/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NC 283XX	Web	Servicemember
In XXXX & XXXX XXXX I communicated with the original creditor. That creditor said the debt was null and void due to change of management in the apartment complex and misappropriation of money. I sent that email to all 3 credit bureaus. The debt was removed from 1 but re-added without notifying me. I would like this debt removed from all 3 reports.
03/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20011	Web
On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request. NCC Business Services INC in the amount of {$7000.00}
06/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 117XX	Web
NCC is calling my home and leaving messages over many months to collect a debt not owed by me or any of household members. I contacted them many times but they keep bothering me and leave voicemails for person who is not a member of my household. They fill up my voicemail with message and call with different names, location and fake caller ids.
05/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60619	Web
I paid a debt collection off in amount of XXXX. File number XXXX. XX/XX/2018. The name of the company is NCC Business Services. NCC Business services refuse to remove the collections off of all of my three credit reports saying to me the credit burea has to do it. It is not fare to me. The collection has paid in full and remove the collection.
03/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 338XX	Web
I completed my whole lease agreement with every payment on time and gave notice 60 days before my lease expired. I do not know this agency anything and feel this is a scam. I called the original complex and they have a whole new staff with no data at all. Please help assist me. This is not right or fair when I did what was called on me to do.
05/27/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TN 38125	Web
I lived in the XXXX XXXX XXXX where I lived for eleven months which was paid up. My lawyer XXXX. XXXX, XXXX. The Apartment was Inhabitant to live in n Att. XXXX instructed Me to move, A letter was presented to the Resident Mgr. on My move. Attachment is the letter written to the Manager. My Attorney XXXX. XXXX can give more information.
07/05/2018	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	GA XXXXX	Web	Servicemember
Although this dated collection from XX/XX/XXXX is not mine I have had difficulty getting it removed. As an attempt to settle the matter I sent an settlement offer letter directly to NCC BUSINESS SERVICES INC. on XX/XX/XXXX. The 30 day allowed to time for the company to respond has long passed. ( Letter and Certified mail receipt
07/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78741	Web
This Company have failed to provide debt validation on acct XXXX Debt Validation was sent out on XX/XX/19, The company received it on XX/XX/19. They had 30 days to validate the debt and they have failed it is now XX/XX/19 and they still have yet to provide proof me giving them and little extra time to provide something and have fail.
04/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	AZ XXXXX	Web
We satisfied what we thought was the final settlement with the holder of the debt. No attempt from NCC BUSINESS SVCS INC was received explaining that they are going to be the holders of the debt. A surety bond was even exercised by the original holders of the debt and a clear validation was never distributed to my brother XXXX and I.
05/15/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34711	Web
I was never informed of any debit prior to calling me, the debit is not mine and I informed XXXX XXXX at NCC Business Services XXXX extension XXXX of this fact when the first call was made on XXXX/XXXX/15 at XXXX. Subsequently I was called XXXX more times in violation of federal law. This is not my debit. They have the wrong person.
07/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30032	Web
Ive repeatedly asked this credit bureau and NCC Business Services to supply me with documentation to provide to authorities. THis account was opened and established in my name in error or thru complete fraud. THis account needs to be removed from my credit file as the debt they are trying to collect does not belong to me in anyway.
08/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MN 55428	Web
I was involved with identity theft and sent my FTC report and police report to the credit bureaus and nothing has been resolve. XXXX XXXX XXXX is saying i owe {$4200.00} and i never lived in Texas nor had a Texas identification. Identity theft is something serious and I feel that the credit bureau did not take care of this matter
06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web	Servicemember
My credit report shows I have a collection account with NCC Business Services. It shows I owe {$770.00} reporting on XX/XX/2017. This information is incorrect. I have never done business with NCC Business Services and I dont owe them any money. I disputed this account several times. I was sent an old lease from another company.
08/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 806XX	Web
XXXX has continuously denied my credit bureaus disputes stating that I still owe this amount of money and I have submitted receipts over and over that this has been paid. I have also talked to numerous representatives from the agency and they all give me the run around. I have submitted receipts to them directly as well.
03/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32962	Web
I was living in a rental appartment complex. And when i moved i was not aware of the bogus charges thats on my credit report.They did not give me any paper work nor did i sign anything at the time to agree to these charges.And i'am also aware of this has happen to several residents that lived there after they moved out.
01/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32714	Web
Hello how are you. I recieved a letter on XX/XX/2018 from NCC BUSINESS SERVICES , INC showing I owe a balance of {$3300.00}. I dont know why this is being reported on my Credit reports. because this is not my debt. I would like to get this account removed immediately. it is causing me problems on getting an Apartment.
08/24/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32514	Web
I recently called and emailed the company in attempts to have the debt amount corrected in my credit report. They are reporting that I owe {$3500.00} when the debt should be reported as {$1700.00} per the XXXX county clerk of court. I have a notarized document from the court house that has the correct amount owed.
04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90250	Web	Servicemember
XXXX in XXXX, NC has refused to remove a derogatory account on my credit report. I lived there from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. I left there with a zero balance. I have called numerous times to have them fix the account, and they will tell me it will be taken care of, and it is still on my credit report.
11/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web	Older American
NCC Business Services is calling my cell phone about a debt owed by someone else. They keep saying " If you are? ( can't make out the person 's name ) press 1 to speak to a customer service rep. '' I am not the person mentioned and can't understand or hear what the person 's name is that they want to speak to.
10/21/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA XXXXX	Web	Older American
AS PER CORRESPONDENCE I RECEIVED ON XXXX/XXXX/2015. DATED XXXX/XXXX/2015 FROM XXXX. CONFIRMATION # XXXX XXXX : NCC BUSINES SERRVICES- ( XXXX XXXX ) I AM IN DISPUTE OF THIS PREVIOUSLY DELETED, RE-INSERTED INACCURATE INFORMATION ON MY CREDIT FILE. RESUBMITTED ON XX/XX/2015. I REQUEST VALIDATION FOR THIS CLAIM.
06/13/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33764	Web
I have a adverse account collection on my credit report this was to be removed completely as part of my settlement I sued XXXX XXXX XXXX and I won my case. I am a victim of hurricane irma this was supposed to be completely removed it shows as paid this was to be removed completely The amount is XXXX
05/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20019	Web
I contacted the company via email and by phone ( can not remember dates ). I informed them that this debt is not owed due to a court hearing where the judge said that there was no money that was owed. I provided them with the court documents and all but they are still negatively reporting the debt.
06/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
I have a debt collection appearing on my credit for an account that I did not authorize. The account appears to have originated from a lease agreement through an apartment. I have never resided at this residence. The information does not match anywhere I have ever lived nor conducted business.
01/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95035	Web
The collection agency NCC Business Services is claiming they do not provide receipt of payment. I need receipt of payment to ensure that they are applying my paid funds appropriately. Also, I need proof of payment to ensure that once paid off, it will be reflected properly on my credit report.
10/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75219	Web
This company posted a debt to my credit report that is not correct and should not have been reported. I disputed the debt and they still chose to post to my report. No phone call or nothing. By law I have the right to dispute a debt. I never lived in the apartments they claim I owe money too.
05/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AZ 85282	Web
XXXX XXXX NCC ( litigation department ) left a voice mail on a third party phone number, stating that he knows that this is not my phone number but they have pending charges against me regarding case # XXXX leaving phone number XXXX, and they will move forward with the litigation charges.
04/25/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 853XX	Web
They have been calling for 4 years now for someone who does not have this number and has never lived here. I do not know them and I have constantly told them they have the wrong number but they keep calling. They can find out who owns this number and that person has never had this number.
11/23/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	NC 283XX	Web	Servicemember
I have disputed this before. It was removed from my file and reinserted illegally back in XX/XX/XXXX. I was paying the original creditor and during this process they went out of business and gained new management. I owe this collection agency nothing. I never had a contract through them.
10/02/2018	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	NY 13088	Web
I had an account in collection in XX/XX/XXXX. It was for a little over {$300.00}. I paid it off in XX/XX/XXXX. On my credit report it shows as paid in full, but I want it completely taken off my report. I called NCC Business Services but they refuse to take it off. What can I do?
09/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32210	Web
I have a collection account listed on my credit reports by a debt collection agency, NCC BUSINESS SERVICES, collecting on behalf of XXXX XXXX. NCC BUSINESS SERVICES is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
03/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
Checked my credit report when I was about to purchase a vehicle and seen an apartment where I didn't reside. The date was in XX/XX/2015 which was a time when my wallet was stolen with my id and social security cards. XXXX XXXX XXXX has reported that I owe {$5900.00}
03/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37042	Web
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
07/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92553	Web	Older American, Servicemember
I received a letter on the XXXX of XXXX stating that I owed {$2000.00} to XXXX @ XXXX I do not know these people and do not owe anything.The collection agency is " NCC BUSINESS SERVICE INC.Located at XXXX XXXX XXXX. XXXX XXXX, XXXX, fl.XXXX Phone number XXXX.
05/28/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 291XX	Web
O n XXXX XXXX ,2017 I sent NCC Business Services a pay for delete letter and a {$50.00} check to have the record removed f rom all XXXX credit reports upon cashing the check. NCC is attempting to collect a debt that was previously handled.
08/25/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19063	Web
contacted on XXXX XXXX by phone as to a debt owed, So I asked them for written notification now XXXX XXXX2017 nver received what I asked for original signed aggreement and the balance from XXXX to present. So they are in violation of the Fair Debt Act.
01/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	FL 32256	Web
I have never heard from this company of any kind. I have not been contacted at all via phone, mail or email. This company has failed to contact to me. I have never heard of this company at all and never authorized an account to be put in my name at all
02/02/2017	Yes	Credit reporting	Credit reporting company's investigation Investigation took too long	AR 722XX	Web
Dispute letter sent requested verification and validation documentation required by the fcra in the timely manner given and no correspondence and not removed. Improperly reporting to my credit report with. Not legitimately collecting in short.
02/08/2017	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 32216	Web	Servicemember
This. company NCC Business Services/XXXX appears on my credit report for {$570.00}. This debt does not belong to me - I have been XXXX oversea in XXXX for the past XXXX years. I need this removed immediately. This has been illegally reported.
07/07/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL XXXXX	Web
I had got me a credit counselor XXXX organization that help me work on my credit to gain a XXXX score and because of this NCC Business collection they have damaged my credit saying that I have an eviction they are located in XXXX Florida.
03/05/2018	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02155	Web
NCC Business Service for amount of {$4000.00}. I have sent NCC Business Services a debt validation on or about XX/XX/2017. NCC Business Service has not responded to my debt validation and has not removed them-self from my credit reports
03/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30122	Web	Servicemember
NCC Business Servicef is attempting to collect a debt that does not belong to me. They have reported this to my credit profile in which has negatively affected my credit score in a tremendous way. Please remove this. This isn't mines
05/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91709	Web
I was notified of a new account on my credit report. Upon looking look like a unknown account for the amount of {$260.00} was placed for collections on my report from NCC XXXX, FL. I am unaware of any past due or delinquent account.
11/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33611	Web
I have disputed several accounts with this company, I have never done business with this company nor owe what is listed on my personal credit file. Nothing has been received from this company. NCC Business XXXX NCC Business XXXX
04/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80123	Web
This company is attempting to collect a debt that is not mine. It was from an apartment complex where I was never on the lease and did not live there. I 've asked for them to send proof that the debt is mine but they never have.
10/03/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92545	Web
Several letters have been sent asking them to bear my signature and all me letters and gone un answered. They have failed to comply with the FCRA and not provided any documentation. This information needs to be removed at once.
06/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30655	Web
NCC Business # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.
08/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32808	Web
This apartment complex is trying to collect money from me when I never lived there, never signed anything and never even been to this place. Its reporting negatively on my credit report and ive never associated with them.
01/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92868	Web
This debt was on behalf of an apartment rental company. Upon dispute, I agreed to pay a option of the amount owed, which is equivalent to what is now in collections. After filing my dispute, I was not contacted again.
12/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MO 631XX	Web
I have disputed multiple times a collection account listed on my credit report that was XXXX in a bankruptcy. The collection agency NCC Business Services is still reporting that I owe a balance on my credit report.
05/01/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AP XXXXX	Web
REPEATED BY PHONECALLS FROM XXXX NCC BASED IN FLORIDA. THIS COMPANY IS INF VIOLATION OF THE FAIR CREDIT REPORTING ACT AND I HAVE DISCUSSED THEIR TACTICS WITH LAWYERS. THEY MUST BE INVESTIGATED AND PROSECUTED!
02/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 322XX	Web
I am disputing the amount NCC Business Services trying to collect. The amount submitted for collection is not valid. I sent dispute letter to NCC Business Services and NCC is ignoring my dispute request.
01/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32277	Web
I am not aware of this account that is on my report for an illegal eviction since the locks were changed before the eviction court proceedings took place and while the original notice was still in play.
10/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35215	Web
NCC BUSINESS services keeps trying to ruin my credit by charging me for something that is not mine! Ive tried to dispute and identity theft! They have threatened me when I call to ask for removal.
07/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32822	Web
the collection agency NCC Business-service put a alert on my XXXX XXXX credit without my permission, also they puts XXXX account of the same item, that is not mine.fraudulent accounts, ghosts item
12/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32256	Web
I moved out from a apartment complex following the proper procedures and never received any information that I owed anything until it popped up on my credit report that it was in collections.
07/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 330XX	Web
I do n't have a contract with this company and the joint person that they are advising is on the account is deceased and has been deceased for 4 years now. I am not responsible for this debt
12/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32825	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DATE REPORTED XX/2017 AMOUNT : XXXX ACCOUNT : XXXX The account balance is incorrect, please delete. THIS DEBT WAS HANDLED IN COURT
02/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DE 19805	Web
NCC Business Service Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account is paid in full and was told that if was paid the account will be taken off my credit report.
05/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	CO 80241	Web	Servicemember
continually contacts my employers phone after being told several time that it was a business phone. Additionally, calling third parties ( my parents ) and disclosing that I owe money
03/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77381	Web
There is an item listed on my credit file which is unknown to me for {$6100.00} I have disputed and requested validation several times with nothing ever confirmed. Please help assist
04/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 128XX	Web	Servicemember
Collecting dept that I do not have knowledge of never receive a letter or phone call for this company I just now saw them on My credit report do n't have any knowledge with this
02/17/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33615	Web
A company called NCC business services is reporting a debt which I know nothing about. I asked for validation of this debt but no response. I do n't owe these people anything.
09/12/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78727	Web
NCC is reporting a balance of {$2200.00} with a past due of {$7900.00}. This is incorrect. The past due and the balance due are the same, {$2200.00}. I need this corrected.
02/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 760XX	Web
Creditors sold debt to several collection agencies without notifying me first. This is violation of my privacy. Creditors also listed false information on my credit report.
08/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 026XX	Web
XXXX XXXX account is paid off on XX/XX/XXXX and is still saying owed on my credit . I would like this information to be removed from my credit because it’s inaccurate
08/30/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23059	Web
I have reached out to this company and sent validation letter regarding account # XXXX in the amount of {$490.00}. This amount is incorrect and should be investigated
03/08/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA XXXXX	Web
This account was a joint account with XXXX and was paid a long time ago. I was told by this company that it would be deleted from my credit report and it still shows.
05/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21117	Web
I have a collection account being reported by XXXX on behalf of XXXX XXXX on all three of the major bureaus. This debt is not valid. Please see the attached.
04/26/2017	No	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77450	Web
The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove form my credit repot and confirm that deb is not owed.
12/08/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 344XX	Web
On my credit report it states that I owe more than what 's actually owed. I called the debit collection agency they stated that they just rounded the debit off.
07/21/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32301	Web
NCC Business Services, INC has failed to validate this alleged debt but has continued to report it to XXXX, XXXX and XXXX. This is a direct violation of FCRA.
09/13/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	GA 30013	Web	Servicemember
I have attempted to dispute alleged debt with NCC for over a month now via postal mail. They have not responded to any attempt is getting this resolved.
05/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AZ 85282	Web
XXXX XXXX from Ncc called stated that they will take legal actions against me, on a 3 party voice mail, leaving phone # XXXX account # XXXX
12/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33823	Web
I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me.
05/06/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 926XX	Web
I have a feeling it has to do whit my current id theft case although they refuse to disclose and continue to harass me at my workplace
04/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33510	Web
I never received notification, and no way the amount owed is accurate nor did I have have business with this company NCC. Please help
03/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85225	Web
I am not sure what this debt is and they wont give me information on it, I have called so many times and cant get a hold of anyone
01/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL XXXXX	Web
The debt was owed ( {$930.00} ) was paid to NCC. I do n't owe the amount of {$2200.00}. Attached is the documentation to prove it.
02/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	IN 471XX	Web
I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.
10/03/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19063	Web
claims we owe {$2000.00} for no services rendered never provided proof in 3 moths in violation section 809 Fair Debt Act
05/21/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10040	Web
A debt collector claims i owe money for back rent at some housing complex in XXXX, NY that i know nothing about.
12/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78660	Web
The item has been disputed and closed since dispute but has not been removed. Reporting on all XXXX CB reports.
07/28/2016	No	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	TX 75134	Web
This complex put a charge on my credit report. I 've paid them and this is still on my credit. I want this off
08/01/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	KY 403XX	Web	Servicemember
They call at least 5 times per day. I have never received a detailed explanation of I owe a credit collection
09/17/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33907	Web
Ncc is reporting XXXX balances of {$1400.00} and {$500.00} and they do not show me any information on it.
05/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76244	Web
Paid this debt that entered in to collections on XX/XX/12 and it is still reporting on my credit report.
05/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48198	Web
NCC Business Services is reporting a collection account on my credit report that has already been paid.
02/12/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 75206	Web
I have a fraud alert on my credit report and this debt is erroneous and not valid and is not mine.
10/12/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 94583	Web
Repeatedly left voicemails on a relatives phone number identifying as a debt collection agency.
03/30/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33157	Web
This company has gone out of business I never received any notification of a debt being owed
05/17/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
The accounts are paid in full I would like them removed from all credit reporting agencies.
06/26/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77090	Web	Servicemember
See below statement. We seek immediate removal of fictitious debt from our credit files.
04/24/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 786XX	Web
On NCC Business services called my place of work irrately for a debt that isn't mine.
03/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX XXXXX	Web	Older American
I HAVE NO INFO I OWE ; WHAT IS THE REASON ; NOT DETAIL ENOUGH INFORMATION.
07/01/2019	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	GA 30815	Web
I paid the debt in full and want it taken off of all 3 credit bureaus.
02/10/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 752XX	Web
NCC Business Service is attempting to collect a debt that is not mine.
09/16/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78258	Web
Repeat calls and voice mail everyday. In the morning and after XXXX.
01/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75115	Web
Talked to them and disputed with credit beareu several times.
08/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23059	Web
I paid this debt and it's still showing on my credit report.
07/18/2015	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	AZ 85382	Web
They called my house at XXXX on a Saturday. That 's not ok.
02/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 759XX	Web
inaccurate information, information does not belong to me
10/14/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	CA 91761	Web	Servicemember
Debt is paid, just want it removed from the XXXX bureaus.
11/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX XXXXX	Web	Older American
I DO N'T KNOW WHERE THIS DEBT IS COMING FROM.
02/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33311	Web
Ncc business services has been paid in full.
04/18/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92663	Web	Servicemember
Constant robocalls at all hours of the day.
01/24/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 34677	Web
I have no idea what this debt is regarding
12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32724	Web
I have no knowledge of said debt.
11/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20602	Web
Apartment broke lease agreement
08/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76012	Web

08/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20735	Web

08/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33624	Phone

08/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30097	Web

08/16/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30083	Web

08/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33316	Postal mail

08/12/2019	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 32757	Phone

08/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 98074	Web

08/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33351	Phone

08/06/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92663	Web	Servicemember

08/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20003	Web

08/01/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 18249	Phone

07/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94804	Web

07/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web

07/17/2019	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 33025	Web

07/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34741	Fax

07/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77084	Web

07/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76012	Web

07/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10016	Web

07/08/2019	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 32563	Web

07/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37086	Web

07/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33647	Web

06/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32117	Web

06/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33081	Web

06/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75006	Web

06/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34695	Fax

06/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30349	Web

06/18/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27285	Web

06/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28216	Web	Servicemember

05/18/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76266	Web

05/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 29406	Web

05/09/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 13206	Web	Servicemember

05/02/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20772	Web

04/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 22102	Web

04/20/2019	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	GA 30076	Web

04/15/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94102	Web

04/13/2019	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	GA 30296	Web

04/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 73099	Web

04/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27604	Web

04/04/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27604	Web

04/04/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78610	Phone

04/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32256	Web

04/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30316	Web

03/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	VA 22193	Postal mail

03/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75137	Postal mail

03/05/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33510	Web

02/23/2019	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 78233	Web	Servicemember

02/22/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48504	Web

02/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78233	Web	Servicemember

02/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80202	Web

02/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30344	Web

02/12/2019	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 Was not notified of investigation status or results	AZ 85251	Web

02/11/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 18102	Web

02/09/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78046	Web

01/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75093	Web

01/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

01/08/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 21741	Postal mail

12/26/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75134	Web

12/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29485	Web

12/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NH 03774	Web	Servicemember

12/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06606	Web

11/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

11/24/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90005	Web

11/22/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NE 68504	Web

11/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28206	Web	Servicemember

11/09/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08302	Web

11/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32771	Web

11/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31023	Web

11/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28206	Web

10/30/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92647	Web

10/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34746	Web	Servicemember

10/24/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29607	Web	Servicemember

10/18/2018	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	HI 96778	Web

10/18/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21040	Web	Older American, Servicemember

10/17/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28601	Web

10/05/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 75038	Web

10/04/2018	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 22306	Web

10/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98012	Postal mail

09/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75409	Web

09/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MO 65583	Web	Servicemember

09/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30309	Web	Servicemember

09/18/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85142	Web

09/17/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60006	Phone

09/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21061	Web

09/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78046	Web

09/06/2018	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	CA 92586	Phone

08/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78222	Web	Servicemember

08/30/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 32256	Web

08/28/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30339	Web

08/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20746	Web

08/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 23805	Web

08/16/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

08/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91607	Web

08/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23237	Referral

08/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23860	Web

08/03/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21223	Web

07/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75409	Web

07/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34491	Web

07/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34668	Web

07/11/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 45224	Web

07/11/2018	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	CA 92704	Web

07/03/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27604	Fax

06/25/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 81007	Phone

06/20/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OK 74137	Web

06/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NH 03768	Web

06/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02703	Postal mail

06/09/2018	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 75034	Web

06/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33401	Web

06/06/2018	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 77713	Web

06/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	ME 04444	Web

06/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35673	Web

05/29/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28803	Web

05/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33763	Web

05/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77054	Web

05/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 20191	Web

05/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32117	Web

05/09/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78247	Web

05/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 49509	Postal mail

05/09/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78247	Web

05/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33772	Web

04/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77045	Web

04/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92530	Web

04/16/2018	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	AR 72209	Web	Servicemember

04/13/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34116	Web

04/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71232	Web

04/08/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33431	Web

04/06/2018	Yes	Debt collection Other debt	Communication tactics Called before 8am or after 9pm	AZ 85306	Web

04/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77045	Web

03/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27262	Web

03/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30252	Web

03/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute		Phone

03/18/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 01757	Web

03/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89113	Web

03/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33602	Web

03/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30290	Web	Servicemember

03/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33134	Web

03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Fax

02/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33624	Web

02/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30291	Web

02/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78232	Web	Servicemember

02/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30034	Web

02/09/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32738	Web

02/09/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33897	Web

02/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32696	Web

02/07/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	WI 53130	Web	Servicemember

02/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33617	Web

02/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27534	Fax

02/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22191	Web

02/02/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75904	Web

01/22/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32817	Web

01/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07724	Fax

01/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60651	Web

01/09/2018	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 19154	Web

01/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77587	Web

01/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43068	Web

01/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33413	Web

01/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37027	Web

12/27/2017	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Fraud or scam	FL 34759	Web	Servicemember

12/27/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30605	Web

12/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31548	Web

12/20/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75074	Web

12/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DE 19713	Web

12/14/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 79830	Web	Servicemember

12/08/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NH 03842	Web

12/08/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 10567	Phone

12/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32209	Web

12/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20785	Web

12/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20785	Web

11/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31221	Web

11/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90004	Web

11/16/2017	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	IL 60435	Web

11/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30605	Web

11/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32277	Web	Servicemember

11/07/2017	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	NC 27401	Web

11/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32205	Web

10/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32772	Web

10/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85008	Web	Servicemember

10/19/2017	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 75243	Web

10/02/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt		Phone

09/17/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	TX 75904	Web

09/16/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38109	Web

09/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33919	Web

08/28/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33570	Web

08/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73127	Web

08/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 92545	Web

08/15/2017	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	CA 92545	Web

08/09/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30260	Web

08/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33035	Web

07/27/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29579	Web

07/25/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	TX 75071	Postal mail

07/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34668	Web

07/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95051	Web

07/16/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33584	Web

07/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30260	Web

07/09/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33035	Web

07/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85012	Web

07/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 22026	Web

07/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19426	Web

06/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27513	Web

06/06/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75238	Web

06/05/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21217	Web

05/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08015	Referral

05/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

05/22/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98006	Web

05/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28027	Web

05/05/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30016	Web

05/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33311	Postal mail

04/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31419	Web

04/28/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32117	Web

04/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30813	Web	Servicemember

04/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77520	Web

04/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27616	Web

04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	LA 70706	Web

04/04/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10456	Web

04/03/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	MD 20744	Phone	Older American, Servicemember

04/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AR 72212	Web

03/29/2017	Yes	Credit reporting	Incorrect information on credit report Account status	GA 30297	Phone

03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75056	Web

03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AZ 85086	Web	Servicemember

03/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34266	Web

03/09/2017	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	CA 95340	Fax

03/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19135	Postal mail

03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75052	Web

03/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	VA 23113	Web

03/03/2017	No	Credit reporting	Incorrect information on credit report Account status	FL 33543	Web

02/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92113	Referral

02/13/2017	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 80017	Phone

02/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 16510	Web

02/10/2017	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77521	Web

02/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MO 63123	Web

01/31/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 31021	Phone

01/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33584	Web

01/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT 06514	Web

01/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 49505	Web

01/12/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32254	Web

01/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 20110	Web

01/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33844	Web

01/05/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27712	Web

12/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76112	Web

12/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	GA 30274	Web

12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30076	Web

12/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33613	Web

12/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 19426	Web

12/12/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	CA 90660	Web

12/07/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85201	Referral

11/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21113	Web

11/10/2016	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	VA 23235	Web

11/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11434	Web

11/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75074	Web

10/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32082	Web

10/11/2016	Yes	Debt collection Mortgage	Disclosure verification of debt Not given enough info to verify debt	TX 77021	Web

09/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	SC 29492	Web

09/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32208	Web	Older American

09/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75374	Referral

08/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85236	Phone

08/20/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SD 57104	Web

08/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33594	Web

08/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	TX 76013	Web

08/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	MO 63115	Web

08/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95746	Web

08/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NV 89509	Web

08/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33404	Web

08/01/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33563	Web

07/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IL 60625	Referral

07/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21239	Web

07/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 15227	Web

07/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30031	Referral

07/21/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 31320	Web

07/02/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	HI 96857	Web	Servicemember

06/30/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 34101	Postal mail

06/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32857	Web

06/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33147	Web

06/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33444	Web

06/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 63135	Web

06/10/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95746	Web

05/26/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33168	Referral

05/26/2016	No	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	TX 76063	Web

05/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	RI 02906	Web

05/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48122	Web

05/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33801	Web

05/04/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	VA 23462	Web

05/02/2016	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	FL 34104	Web

04/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32839	Web

04/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75149	Web

04/20/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32222	Web

04/19/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 15227	Web

04/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30350	Web

04/01/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30076	Web

03/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85388	Web

03/30/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33478	Web

03/29/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	CA 92562	Web	Older American

03/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89119	Web

03/11/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32224	Referral

03/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 77379	Web

03/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 90036	Web

02/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92324	Phone

02/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 21123	Web

02/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92660	Web

02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	GA 30534	Web

02/01/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32703	Web

01/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90036	Web

01/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32046	Web

01/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	GA 30011	Web

12/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78751	Web

12/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90803	Web

12/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KY 40291	Web

12/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32204	Web

11/24/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NV 89129	Web

11/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30342	Phone

11/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20852	Web

10/21/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 23455	Web	Servicemember

10/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28164	Web

09/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32222	Phone

09/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85041	Web

09/03/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	FL 33559	Web

09/01/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	GA 30331	Web	Servicemember

08/26/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 32216	Web

08/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77901	Phone

08/21/2015	Yes	Debt collection Auto	Improper contact or sharing of info Contacted employer after asked not to	FL 32092	Phone

07/30/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97007	Referral

07/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 27703	Web

07/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22554	Web

06/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30809	Web

06/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27615	Web

06/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78660	Postal mail

06/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76903	Web	Servicemember

05/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NC 27545	Web

04/30/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75028	Web

04/22/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30106	Web

04/08/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32225	Web

04/06/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08852	Web

04/01/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 33311	Web	Servicemember

03/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33437	Web

03/10/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32904	Web

03/10/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	MD 20902	Web

03/08/2015	Yes	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	FL 33169	Web

03/03/2015	No	Credit reporting	Incorrect information on credit report Account status	MA 02072	Web

03/03/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	NY 11757	Web

02/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92130	Web

02/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IN 46037	Web

02/24/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55102	Web

02/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95060	Web

02/19/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	ME 04605	Web

02/17/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	NY 10314	Web

02/11/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued w/o proper notification of suit	DC 20002	Web

01/29/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 32904	Web

01/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75087	Web

01/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MD 20745	Web

01/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 76209	Web

01/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23113	Web

01/13/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SD 57234	Web

01/13/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	RI 02830	Web

01/12/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30180	Web

01/12/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22031	Web

01/10/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75241	Web

01/09/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 78757	Web

01/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19138	Web

01/05/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine		Phone	Older American, Servicemember

12/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11249	Web

12/12/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78628	Web	Servicemember

12/11/2014	Yes	Debt collection Mortgage	Taking/threatening an illegal action Attempted to/Collected exempt funds	GA 30260	Web

12/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 34787	Web

12/05/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IA 50265	Web

12/01/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85048	Web	Servicemember

11/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77037	Web	Older American

11/27/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75701	Web

11/25/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10583	Web

11/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 49546	Web

11/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33823	Web

11/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91801	Web

10/20/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AP 96266	Web	Servicemember

10/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78251	Web

10/18/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33321	Web

10/17/2014	No	Credit reporting	Credit reporting company's investigation Inadequate help over the phone	CT 06387	Web

10/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AZ 85345	Web	Servicemember

10/10/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 33619	Web

10/04/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32714	Web

09/29/2014	No	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	KY 40222	Web

09/26/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92882	Web	Servicemember

09/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	AZ 85006	Web

09/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 34638	Web

09/20/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75093	Web

09/20/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WA 98433	Web	Servicemember

09/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 40222	Web

08/30/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TX 78411	Web

08/29/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33830	Web

08/28/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MA 02169	Web	Servicemember

08/28/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85326	Web

07/24/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	SC 29466	Web

07/14/2014	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	DC 20001	Web	Servicemember

07/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80538	Referral

07/04/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77096	Web

06/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33774	Web

06/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90048	Referral

06/20/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CO 80305	Web

06/12/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95696	Web

06/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 08204	Referral

06/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77449	Web	Servicemember

06/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NV 89012	Phone

05/22/2014	Yes	Credit card	Customer service / Customer relations	TX 77047	Web

05/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75640	Web

05/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 17602	Web	Servicemember

05/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10462	Postal mail

05/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	FL 32304	Postal mail

05/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	FL 33579	Web

04/30/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT 06604	Web

04/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90622	Web

04/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MO 63116	Web

04/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33772	Web

04/02/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IA 51503	Web

04/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32837	Web

03/28/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NE 68005	Web

03/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MI 49055	Web

03/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27560	Web

03/19/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	TX 75374	Phone	Servicemember

03/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30338	Web	Older American

03/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 32244	Web

03/06/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 92101	Referral

03/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	TX 76262	Web

03/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85225	Web

02/28/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	CA 91784	Web	Older American

02/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 32092	Web

02/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 34957	Web

02/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32811	Web

01/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	FL 34655	Web

01/28/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77531	Web

01/22/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	KS 66503	Web

01/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	DC 20018	Web

01/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 62010	Web

01/14/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77004	Web	Older American, Servicemember

01/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33604	Web

01/09/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NM 87508	Web

01/09/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NC 27406	Web

01/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30815	Web	Servicemember

01/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94531	Web	Servicemember

12/28/2013	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77055	Web

12/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29061	Web

12/17/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98103	Web

12/17/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NJ 08822	Web

12/07/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60070	Web	Older American, Servicemember

12/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21040	Web

11/29/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91042	Referral

11/21/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 20110	Web	Servicemember

11/21/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85013	Web

11/06/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70764	Web

11/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 76161	Web

10/30/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78745	Web

10/02/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32256	Web

09/26/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33076	Web

09/07/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	NJ 07960	Web

09/06/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33134	Referral

09/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77077	Referral

09/05/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AR 72703	Referral

08/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	UT 84111	Web

07/17/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	FL 32304	Web