Product: Debt collection

I am writing to bring to your attention the ongoing issues and challenges we have faced since XXXX of 2023 regarding an invalid lease signed with XXXX XXXX XXXX XXXX XXXX XXXX. The root cause of our predicament stems from their negligence in obtaining the required occupancy permit needed to move in new tenants, due to a failed inspection by the XXXX XXXXXXXX building inspector. 

To provide a comprehensive overview, our lease agreement was signed on XX/XX/2023, despite the inspection having failed six days prior. Despite this failure, we were instructed to proceed with moving in. We took the initiative to contact the XXXX XXXX XXXXXXXX XXXX, and there should be a record of our call on Thursday, XX/XX/2023, which was verbally verified by Inspector XXXX who conducted the failed inspection on XX/XX/2023. 

Additionally, a host of other problems have compounded our dissatisfaction : We were instructed to arrive by XXXXXXXX XXXX  on XX/XX/2023, to collect the keys. However, the lease, which we were informed had to be signed before moving in, was not sent until the day of move-in at XXXX XXXX 

We were told that the lease had to be signed before receiving the keys, even before the walkthrough was completed. However, we did not receive the walkthrough paperwork until Friday, XX/XX/2023. 

The keys provided were not functional for the deadbolt lock, and the apartment had an unpleasant odor that persists. 

No mailbox or key fob keys were provided upon move-in. 

When the air conditioning malfunctioned during the hottest days of the summer, with heat indices reaching XXXX degrees, we were forced to submit XXXX emergency maintenance requests over the course of XXXX days. Unfortunately, the problem was not remedied immediately, which is in violation of landlord-tenant law that stipulates a unit should not exceed an internal temperature of XXXX degrees during summer months. 

Furthermore, a cashiers check submitted for payment on XX/XX/2023, was not reflected in the online portal, causing confusion and inconvenience. 

The entire experience has been nothing short of horrific. Despite multiple attempts to address our concerns, our correspondences, including those from our attorney, have gone unanswered. As a result, we have been left with no choice but to pursue legal recourse through small claims court. 

In light of these circumstances, we are seeking a full refund of our payments, as we do not owe the company any money due to the illegitimacy of the leasing agreement. 

In addition to the numerous issues we encountered with the apartment complex, including the failure to obtain the required occupancy permit and the myriad of maintenance issues, the living conditions became untenable. As a result, we were forced to seek alternative accommodation and began living temporarily on the couches of relatives. 

Navigating this challenging period was compounded by the fact that both of us were juggling XXXX jobs and attending school concurrently. Our schedules were stretched to their limits, making it difficult to find the time to address the situation with the apartment complex. 

When time permitted, we returned to the unit to pack up our belongings. However, given our hectic schedules and the urgency of finding stable housing, this process was not as expedient as we would have liked. 

Drawing on my expertise and experience of over 10 years in laboratory work, I took it upon myself to conduct mold sampling of the air ducts within the apartment unit. Subsequently, I sent these samples to the Missouri XXXX XXXX XXXX XXXX XXXX 

The results of the analysis revealed the presence of mold in the air ducts, confirming our suspicions regarding the poor air quality and potential health hazards within the apartment. This finding further underscores the severity of the issues we encountered during our residency at the apartment complex. 

Given the compelling evidence of mold contamination, it is evident that the living conditions at the apartment complex were substandard and posed a significant risk to our health and well-being. As such, our decision to vacate the premises was not only justified but imperative for our safety. 

With the circumstances outlined above, it is unjust for a debt of {$3600.00} to be reflected on our credit reports as a charge-off. We did not voluntarily abandon the lease ; rather, we were forced to vacate the premises due to the unacceptable living conditions and the complex 's failure to rectify the situation. 

We kindly request that this erroneous charge-off be removed from our credit reports to avoid further damage to our creditworthiness. Your assistance in rectifying this matter would be greatly appreciated. 

Your intervention and guidance in this matter would be greatly appreciated. Please do not hesitate to contact me if further information or clarification is required.