Consumer complaint received 2020-07-29
Company: National Credit Systems,Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My sister and I rented an apartment at XXXX XXXX XXXX   in XXXX, TN, XXXX around 4 years ago. The Manager was out sick of a long time so I never met her. When she comes back to work she begins trying to evict people to get new vacancies and accumulate collection write-offs. At the time I was always out of town working so I would maybe be there once a week. When I go home I seen the ceiling had a bad leak that caused some damage to the unit. I immediately reported the situation to the office and I noticed what the lady was doing to everyone. Somehow I became a target of hers and when they come to see the situation they wanted to accuse me of damage in the unit that was either already there or was caused by the plumbing leak. They stated, '' You violated your lease agreement. '' I realize the game she was trying to play on me so I made my way out of their presence. It took several days to come repair the issue and I had to go back out of town, I dropped my money order in the deposit box at the office and left. The next day my sister calls when she comes home saying there was a letter on the door to vacate. I come back home the same day to see what was going on and I decided to just pack my things and move out. My sister was already gone by the time I arrived and she said another associate gave her the money order that I paid rent with. That lady knew what was going so she tried to do what was right. She got in some trouble because she gave it back when we were leaving. I told them that I was just going to leave and the nice lady did the walk through of the empty apartment and cleared everything as in good shape besides the damage the leak caused. We left with the money order and all of our stuff before the actual date the rent was due and months later I see a collection on my report so I call them and they tell me the charge was for the months rent and damages even though we was gone before the due date and we did not damage a single thing in the apartment. We left the apartment just as clean as it was when we moved in. Since then I have been disputing the lies that is the only thing left on my credit report and they just leave the account like it is in collections. It says it's an open account that doesn't make sense to me since I have been gone for years, it has the wrong dates on there to make it look like we moved out later, it also says I owe {$850.00} when my rent was {$500.00} and and we didn't live there for the month it says we owe for and the extra add ons are supposable for damages that we did not cause. I have contacted the reporting agency National Credit Systems numerous times as well and they only know what was told to them by a liar.  This is something that has given me a negative image for years and denied many loans that I needed badly at points in my life that made it hard to make a way to provide for my family. It has also prevented me from getting in safer and more sanitary homes to raise my children in. It also made it impossible to get some start up credit to begin establishing a foundation and security for my family. I am still bothered by how I am getting abused by the people with a little power that is badly neglected. I am only half way threw the 7 year limitation and I finally got a few accounts on my report that are helping. I learned who to contact and I'm hoping that writing this complaint will help make things right so I can proceed to a more healthier life with no undeserved, false reputation to hold me back from establishing a secure future for my family. Please take to heart my concerns and help the powerless with justice. Thank you and may XXXX bless us all.

Company response to consumer: Closed with explanation