Consumer complaint received 2020-05-13
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First and foremost, I am exercising my right to not live in conditions ripe with mold and mildew. According to the Landlord/Tenant Act, there are tenant protections against landlord retaliation, such as putting negative information on credit report, for exercising a legal right, such as complaining about an unsafe living condition. An apartment can not legally force a potential tenant to live in conditions the tenant deems unsafe. XXXX XXXX XXXX.html In XXXX I applied for a apartment that was already questionable but I was working 3 part-time jobs at the time and had no choice. It was cheap and not a place I would typically live at. They didn't allow me to look at apartment before moving in. I soon found out exactly why they didn't. The day I was supposed to move in, I was taken to the apartment and was horrified. You could clearly see they had painted over wood that should have been replaced under sink in kitchen, there were bugs flying about and it smelled so awful my daughter and I could not stay even one night in there. Plus, the neighbors who were sitting outside told me that the people who had just moved out who were their friends, moved because the sink kept flooding over and over again in the kitchen. But instead of replacing the wood that was clearly and obviously began to mold, they just kept painting over it ie MOLD and MILDEW ensued. After looking at the apartment, I immediately asked the apartment lady for another apartment due to the horrific unsafe one they were trying to force me to live in. I was told the manager was not there that day so I had to wait the next day for an answer. I DID NOT TAKE THE KEYS TO THAT APARTMENT BECAUSE I HAD NO INTENTION OF LIVING IN THERE. 

I went back home to wait until the next day to speak to the manager. I called the manager the next day but she said no, she would not give me another apartment. She flat-out refused to allow me to rent another apartment even after I expressed it was unsafe and I did not feel comfortable living there. So I never moved in. I never had the keys to the apartment. I lost all my money in fees, application fee, security and move-in fees that I'd paid. I checked the XXXX County Justice of Peace Court House and there was an eviction or any type of judgement filed against me in a court of law by XXXX XXXX or XXXX of XXXX XXXX but they still filed an eviction on my credit report, then sold it to Sure Deposit - National Credit Systems and I've been fighting to get it off my credit every since. https : //jpwebsite.harriscountytx.gov/XXXX. 

I am obtaining a lawyer through my job and filing small claims court with documentation that this is fraud, if XXXX or XXXX can not force Sure Deposit, National Credit Systems to delete this off my credit report. I am unable to include the horrific reviews from present and dating back to when I was supposed to live at XXXX XXXX due to the length but they validate the very poor and unlivable conditions at XXXX XXXX. 

In addition, as reported on my attached credit report, I was residing at XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX in XXXX when XXXX XXXX and National Credit Systems are reporting I lived at XXXX XXXX. 

I have also filed a complaint through the XXXX XXXX XXXX XXXX XXXX and file a complaint against both XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX and National Credit Systems. XX/XX/XXXX - ID XXXX. 

Consumers are protected from predators like this complex who prey on people in desperate times because who would ever want to live in this XXXX XXXX 

In conclusion, the address at XXXX XXXX apartment does not show up anywhere on any of my credit reports except the eviction.

Company response to consumer: Closed with explanation