Product: Debt collection

I am disputing the false allegations and charges in relation to a closed account with XXXX XXXX XXXX complex. This issue is concerning property unit XXXX XXXX XXXX, apartment XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The account was resolved XX/XX/XXXX of XXXX, with an ending balance of {$0.00}, after the above apartment had stated my deposit would be covering the remaining {$300.00} in late fees that was owed ( resulting in a zero balance to the account ). After the conversation with XXXX XXXX, property manager of XXXX XXXX, I had expressed my concerns with the late fees that had been added ( resulting in a zero account balance ) and asked for a ledger to be sent to my previous address, while confirming they received my keys out of their drop box. No ledger or deposit was received to the previous address on file, before or after the 30 day mark from the lease termination date ( XX/XX/XXXX ) which would have been on or before XX/XX/XXXX. 



The fraudulent charges that have been added onto the account consist of : XX/XX/XXXX Base rent XX/XX/XXXX Late fee XX/XX/XXXX Late fee ( 2 ) XX/XX/XXXX XXXX XX/XX/XXXX Base rent ( XXXX ) XX/XX/XXXX Late fees XX/XX/XXXX Late fees XX/XX/XXXX Apartment cleaning Damages : replace oven drip pans Damages : carpet patches Replace x2 keys 30 day skip fee ( equivalent to one months rent ) No further communication with the XXXX XXXX existed after the phone conversation on XX/XX/XXXX initiated by the Property manager, all seemed to be resolved. No debt validation letter had sent until after the first dispute was filed with XXXX XXXX XXXX. This fraudulent account has been disputed three times this year based off of accuracy, amount, and responsibility of this account after the contract date of XX/XX/XXXX. As of XX/XX/XXXX this was no longer an open account nor did I have ownership of this account or unit after the leasing date ended, therefore any balance added after the agreed apon date, signed on XX/XX/XXXX, would be fraudulent. Apartment was returned in the same condition as it was before leasing start date, no abnormal damage above the normal wear and tear of a year lease. No additional charges were listed or agreed apon on the leasing date, 30 day notices are not required by Missouri law nor by the apartment complex ( if month to month contract does not exist, or rent has not been collected after lease ending date ). 

This account has been negatively affecting my credit since XX/XX/XXXX. This has resulted in financial hardship due to this extreme credit set back, which could have been avoided had I been properly notified by either XXXX XXXX or XXXX XXXX  XXXX. 

I have attached the following documents including : Leasing agreement, with the following highlighted : The leasing term, which states the following the term of this agreement shall begin XX/XX/XXXX and shall continue through XX/XX/XXXX at which time this lease shall terminate without further notice. 
Also highlighted in this contractual agreement is the terms to qualify into a month to month agreement with XXXX XXXX, which were never met, the following section declares terms and conditions of the agreement shall be created only if the owner accepts rent from the resident there after, and if so accepted, tenancy may be terminated by resident after service upon the owner of a written 30-day notice of termination. Under this leasing contract, a month to month tendency does not exist nor does the conditions for such apply.

Ledger, which highlights the following : Highlighting false charges after leasing date ended.

Deposit being credited and debited from the account.

The last payment made to XXXX XXXX ( before leasing termination date, XX/XX/XXXX ). 
XXXX XXXX  receipts which highlights the following : Dated on the leasing termination date. 
Bank statements : Hotel transactions ( XX/XX/XXXX ). 
Original purchase of storage unit ( XX/XX/XXXX ). 
XXXX security deposit return laws : Requiring the property ledger or security deposit be returned within 30 days of lease termination date ( XX/XX/XXXX ) which also includes the right to attend final inspection of property ( which was never offered ) Disputes : Negligently investigated disputes with credit bureaus. 
XXXX  tenant rights : lastly attached is XXXX  tenant rights stating when you have a fixed end date lease, XXXX  tenant rights dictate that your tenant doesnt have to provide verbal or written notice. 
Hotel receipts highlighting the following : Dated from XXXX Due to this erroneous debt and information that has been falsely reported and inadequately investigated, it is your full obligation as XXXX  XXXX  XXXX to delete this debt account under the laws of the fair credit reporting act. It is your duty to delete this account with all credit reporting bureaus based on the integrity of the data collected and your inability to lawfully report untrue or inaccurate information.