Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (MD)

In summer of XXXX, I received a notice from NCAC ( National Credit Audit Corporation ), a collection agency that apparently purchased a so-called debt from my old apartment management company XXXX XXXX. NCAC starting sending letters stating I owed the debt of {$1900.00} from my old apartment complex XXXX XXXX who was recently bought from XXXX XXXX. in XX/XX/XXXX my apartment at XXXX XXXX XXXX # XXXX, XXXX XXXX, MD XXXX was in a fire that started in the building next door to my building but quickly spread to my building. I lost nearly everything in my home from fire, smoke and water damage. The apartment management team kept residents in their office till nearly midnight trying to locate every resident that did not have housing to cheaper apartments they own for the same luxury rent we were paying. I refused to relocate to an apartment outside the property, so they found another apartment that I could move in immediately. My original lease agreement was from XX/XX/XXXX through XX/XX/XXXX. The lease was to be transferred to the new apartment as the original lease and I signed a new lease for the same term dates as the original lease. A week after I signed the new apartment lease agreement, the office called to ask me to come in and sign a new lease agreement stating that nothing 's change only that the lease I signed has to old company 's information on it and I need to sign a lease agreement with the new management name. Since I did not receive a copy of the lease agreement from the night of the fire, when I arrived I asked for the copy I signed the night of the fire and I took pictures of that lease agreement. The new lease agreement the apartment tried to make me sign was a whole new date starting from the date of the fire until XX/XX/XXXX. After a few choice of words I demanded that the management office change the lease agreement to my original date and they complied. I refused to signed the sneaky agreement that was starting my lease all over again. Besides I was pre-appoved for a home loan so I knew better to sign a new lease agreement when my lease was due to expire effective XX/XX/XXXX. 

Now the debt is reflecting on my credit report with 2 credit bureaus negatively. The management company sold to NCAC that I owed them {$1900.00} which I do not owe. I have copies of the lease agreement I signed on the day of the fire and I have a copy of the lease agreement I signed on XX/XX/XXXX with the same terms after they tried to get me to sign a renewed lease agreement. Also, NCAC reported this information to the credit bureau. In response to my dispute letters to NCAC, they ar e sending me a copies of a lease agreement which is NOT signed at all that reflects no signatures or date signed on the lease agreement. Also, the lease agreement sent was a lease agreement for the wrong time-frame. I have a copy of the original lease agreement that was transferred to another apartment when I had an apartment fire. The apartment that had the fire lease agreement was transferred to the apartment that the management company relocated me the night of the fire. I signed the lease agreement of the new agreement with the same dates of the fire apartment ( which I have copies of ). I have a copy of 2 lease agreements with the same correct dates, but they have removed the correct lease and replaced it with the lease agreement I did not sign ( Nor did my co-signor ). 

I would like to file a complaint against National Credit Audit Corporation because they have reported the debt to the credit bureaus and I would also like to file complaint against XXXX XXXX. I have proof of the lease agreement signed plus, I have copy of the letter from the management company stating my move out date and close out letter. I have also emails from the management company confirming my move out date