Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint - Disputing Inaccurate Debt and Requesting RemovalTo the Consumer Financial Protection Bureau, A debt placed on my credit report by National Credit Systems on behalf of XXXX XXXX XXXX, XXXX XXXX  XXXX, with account number Account Number : XXXX, has been formally disputed. This debt account was opened in good faith after a divorce which was all disclosed to the property manager. I also provided that my son and I were in a civil matter and we were needing a place to be at peace. During the initialviewing of the property I was told I hadto sign thelease before seeing theproperty per XXXX the Manager 's request. That night I turned the oven on to just check out my appliances allwhile spraying theapartmentfor Insects. While spraying the back patio I walked back in thekitchen and I noticedthe oven threw a giant spark and then started smoking from the oven as well as from the top of the stove. I ran to turn it off and I noticedthat the smoke detectors never went off.The stove smoke engulfed the entire apartment of smoke. I immediatelycalled maintenance who showed up the next morning.The maintenanceman said there were not any batteries in the detectors and the reason for the stove smoking was due to the cleaning lady 's cleaning products that she used on the oven to clean. After the incident i Informed theapartment manager that I wasgiving my notice to vacate XXXX. Rent was coveredfor XXXX and XXXX. By XX/XX/XXXX I received an email about XXXX rent. I never returned to property after XX/XX/XXXX and I informed the property manager that I was no longer residing in the unit which they did not respond to until XX/XX/XXXX. Since then the property has soldmy information to thatcreditor listed above and has reached out to me to settle with them for half the amount without removing prior debt from my reporton XX/XX/XXXX through XXXX. I declined the offer because debt does not belong to me. This debt is believed to be inaccurate and does not belong to me, and requests its immediate removal from your credit report.I have previously contacted National Credit Systems on XX/XX/XXXX to dispute this debt, but the issue remains unresolved.An investigation into this matter and the removal of this inaccurate debt from the credit report is requested.Copies of the relevant sections of your credit report highlighting the disputed debt are enclosed. Thank you for your prompt attention to this matter. Section 92.259 of the Texas Property Code This section allows a tenant whose landlord did not install, inspect, or repair a smoke alarm in accordance with the law the right to break the lease without going to court. They must notify the landlord in writing of their wish to have the smoke alarm installed or repaired before doing so. The XXXX XXXX XXXX XXXX Right to Break a Lease This page from XXXX answers frequently asked questions about the law that enables survivors of XXXX  XXXX to end their lease early. Section 92.016 of the Texas Property Code This section allows a tenant who is the survivor of XXXX  XXXX to break a lease and move out without risk of liability. Please read the entire section for information about who is eligible for relief under this law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation