Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (GA)

I requested proof of a lease violation to account for XXXX to XXXX bill residential unit flooded with sewage the apartment my rental insurance refused treat during Covid bleach shortage uninhabitable notice to vacate given all rent paid months occupied _____________________________________________ I gave a 60 day notice to vacate XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XXXX XXXX, Louisiana XXXX the apartment that stated I submitted a request through the overnight reporting system overnight on XX/XX/XXXX. No attempt was made until XXXX XXXX  XX/XX/XXXX. 
The work was not done Im Being forced to reside in a living space where raw sewage is backed up has jeopardized my health. I will notify the health department. 
Ill be vacating this apartment immediately because it is uninhabitable. 
I emailed it to XXXX I gave a notice to vacate because flooding caused a sewage line to flood my apartment. The floors were soaked with XXXX and XXXX. The heat in Louisiana made the smell unbearable. I had apartment insurance, and they went back and forth with the leasing office. The problem was not cleaned up. This was during the Covid era and I worked from home. There was a shortage on bleach and disinfectants. 
I paid {$810.00} USD every month on time through a portal " Check card XXXX XXXX  XXXX GA XXXX '' This is how these payments read on my XXXX XXXX  XXXX XXXX  statements . 
CC 2682 CHAPTER 3. THE OBLIGATIONS OF THE LESSOR AND THE LESSEE SECTION 1. PRINCIPAL OBLIGATIONS Art. 2682. The lessor 's principal obligations The lessor is bound : ( 1 ) To deliver the thing to the lessee ; ( 2 ) To maintain the thing in a condition suitable for the purpose of which it was leased ; and ( 3 ) To protect the lessee 's peaceful possession for the duration of the lease. 
Acts 2004, No. 821, 1, eff. Jan. 1, 2005. 
XXXX XXXX XXXX XXXX XXXX XXXX CC 2693 Art. 2693. Lessor 's right to make repairs If during the lease the thing requires a repair that can not be postponed until the end of the lease, the lessor has the right to make that repair even if this causes the lessee to suffer inconvenience or loss of use of the thing. 
In such a case, the lessee may obtain a reduction or abatement of the rent, or a dissolution of the lease, depending on all of the circumstances, including each party 's fault or responsibility for the repair, the length of the repair period, and the extent of the loss of use. 
Acts 2004, No. 821, 1, eff. Jan. 1, 2005. 
XXXX XXXX XXXX XXXX  Louisiana law states that The `` Warranty of Habitability '' is a legal concept that imposes an obligation on landlords to maintain rental properties in a habitable condition. This means that landlords are required to provide safe and livable premises for tenants. The warranty of habitability ensures that tenants have the right to a property that meets basic health and safety standards. Landlords can not waive certain repair problems that affect health and safety in a residential property, and they are responsible for addressing these issues to maintain habitable living conditions for tenants. This warranty impacts tenants by providing them with legal recourse if their living conditions become uninhabitable due to necessary repairs not being made. It also impacts landlords by establishing their legal obligation to maintain the habitability of the rental property and address repair issues that affect the health and safety of tenants. XXXX : XXXX This property management company violated number 2 and 13. 
common warranty of habitability problems that tenants may encounter in their rental properties include : 1. Missing or inoperable smoke and carbon monoxide detectors 2. Plumbing deficiencies, such as leaks or clogs 3. Electrical problems, such as faulty wiring or malfunctioning outlets 4. Lack of required and functional utilities or appliances, such as heating, air conditioning, or hot water 5. Inadequate or inoperable permanent heating, such as lack of heat during cold weather 6. Insufficient ventilation, such as in bathrooms or kitchens 7. Missing or broken vent screens, which can allow pests or other unwanted elements into the property 8. Rodent, pest, or other infestations, such as cockroach or bed-bug infestations 9. Inadequate weatherproofing, which can lead to leaks or drafts 10. Noncompliant security bars over windows, which can pose a safety hazard in the event of an emergency 11. Broken locks and keyed exit doors, which can pose a security risk 12. Deficient and non-compliant handrails, which can pose a safety hazard for tenants with mobility issues 13. Sewer on the surface of the ground, which can pose a health hazard 14. Collapsing ceiling/structure/foundation, which can pose a safety hazard for tenants. 
I exercised my right to do # 1 and 5 Tenants have several options for addressing repair problems, including unsafe conditions and necessary repairs. Some of these options include : 1. Asking the landlord to fix necessary repairs : Tenants can notify their landlord of necessary repairs and request that they be made in a timely manner. 
2. Reporting unsafe conditions to code enforcement authorities : Tenants can report unsafe living conditions to code enforcement authorities, who can investigate and take action to ensure that the property is brought up to code. 
3. Pursuing other legal action : Tenants may have legal options for addressing repair problems, such as filing a lawsuit against the landlord for breach of contract or seeking an injunction to compel the landlord to make necessary repairs. 
4. Moving out to temporary housing : In some cases, tenants may need to move out of the property temporarily if it is deemed uninhabitable due to necessary repairs not being made. 
5. Lease cancellation : Tenants may be able to ask their landlord to end the lease early without penalty and vacate the property if the landlord refuses to make necessary repairs or if there are still unresolved repair issues creating an unsafe and uninhabitable home. 
XXXX  : XXXX Louisiana Landlords Must Provide Habitable Rentals Like landlords in all states, Louisiana landlords must provide rentals that are safe and fit for human habitation. Specifically, landlords are required to make all repairs necessary to maintain the rental in a suitable condition. ( La. Civ. Code Art. 2691 ( 2024 ). ) Under Louisiana law, the landlord also must provide a rental that is " free of vices or defects '' that prevent its being used as a rental. ( La. Civ. Code Art. 2696 ( 2024 ). ) This duty is present even if it's not mentioned in the lease or rental agreement, and is known in legal terms as the " implied warranty of habitability. '' I have sent documentation of payment, pictures and a copy of the lease and notification to vacate to the parent company XXXX XXXX and the creditors XXXX so that I could point out the terms of the lease that I adhered to, Bank statements to prove that I paid as they tried to state I did not pay the last month I was there. No eviction proceeding was filed because I gave a 60 day notice turned in my key, left the unit broom swept clean as much as I could because of the sewage flooding. The creditor National CrediXXXX systems put a {$2000.00} debt on my credit report. They have changed the reasons over and over to I never paid the last month to I notified the apartments too early to vacate. This property was previously flooded and XXXX XXXX  bought it and refurbished it and renamed it. 
I have proof I was insured Proof I paid every month Pictures of water demarcation lines Pictures of a toilet that exploded XXXX and XXXX from the pipes and toilet. 
The smell made me XXXX  and it was recommended that only COVID patients seek medical help. 
Most places were shut down and I contacted the inspections department but they must have had people that were afraid to enter homes because of COVID. 
_________ Old link XXXX XXXX XXXXXXXX New link XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXs, an Atlanta-based company specializing in the acquisition and management of multifamily properties throughout the Southeast, has completed a {$33.00} XXXX acquisition of the XXXX XXXX XXXX apartment  complex in XXXX XXXX, Louisiana . XXXX made the purchase with its New York-based partner XXXX XXXX XXXX 
The property was badly damaged in a record flood last year, and will undergo a complete renovation and be renamed The XXXX XXXX  XXXX XXXX. 
The low-density community, which includes lots of green spaces, consists of 66 buildings on 49 acres which were built in XXXX. The complex is primarily made up of large two- and three bedroom apartments that average XXXX square feet, making it ideal for families and roommate living arrangements. 
We are proud to be part of XXXX XXXX recovery from last years disastrous flood and to provide much-needed housing opportunities to residents there, said XXXX XXXX , XXXX founder and CEO. The property is in a convenient location in a sought-after neighborhood, so we see this as an excellent alternative for those seeking housing in greater XXXX XXXX . 
In XXXX, XXXX acquired the XXXX XXXX of XXXX XXXX property and thoroughly renovated that complex as well, only to have the property damaged and closed due to the XX/XX/XXXX flooding. The company began re-opening XXXX XXXX XXXX XXXX in XXXX as flood damage was repaired. 
XXXX has expertise in renovating and reviving apartment communities with a high level of vacancy, including the fully vacant 384-unit XXXX XXXX  in XXXX, Louisiana. XXXX acquired that shuttered property post-Katrina and renovated it into the thriving community it is today. 
XXXX  planned renovations at XXXX XXXX XXXX XXXXXXXX XXXX include : Complete renovation of damaged first-floor units Upgrades to second-floor units Granite countertops and stainless steel appliances in some units A stand-alone leasing office and two amenities buildings Energy efficient windows and new exterior doors Addition of a state-of-the-art fitness center Most of the apartments at XXXX XXXX XXXX  XXXX XXXX will be leased at market rates, but 60 units will be offered as affordable housing at below-market rates. 
The flood that struck last XXXX were particularly bad in the XXXX XXXX area in that both the XXXX and XXXX rivers flooded, damaging more than 150,000 homes and causing more than {$10.00} XXXX in property damage. 
ABOUT XXXX XXXX XXXX is an XXXXbased firm specializing in the acquisition and management of multifamily properties throughout the Southeastern region of the United States . With a senior staff that has collectively acquired, managed and renovated more than XXXX apartment units, XXXX has a wide range of experience and expertise in repositioning multifamily assets. For more information, please visit XXXX XXXX XXXX 
ABOUT XXXX XXXX XXXX XXXX is the primary real estate investment platform for XXXX XXXX XXXX ( previously XXXX XXXX ) and the XXXX XXXX, and was founded in XXXX by XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX XXXX provides investment capital and operational expertise for real estate products and investments and has been successfully investing across the real estate spectrum for over 20 years. To date, XXXX XXXX has consummated over 500 debt and equity transactions and has XXXX in excess of {$4.00} XXXX in capital, employing an owner/man