Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the above-referenced account reported on my consumer file. I recently became aware of this collection in XX/XX/XXXX and I dispute the validity and accuracy of this debt in its entirety. This account relates to a prior tenancy with XXXX XXXX XXXX in XXXXXXXX XXXX However, the balance being reported is based on inaccurate, unverified, and improperly assessed charges resulting from conflicting move-out terms and improper handling by the property. On XX/XX/XXXX, I executed a written Notice to Vacate, signed by both myself and the leasing agent, clearly establishing my move-out date as XX/XX/XXXX, in accordance with a XXXX-day notice requirement. I have retained a copy of this signed agreement. Despite this, property management later attempted to enforce a move-out date of XX/XX/XXXX. In written communications, management acknowledged that I could remain until XX/XX/XXXX, yet simultaneously pressured me to return keys on XX/XX/XXXX due to vendor scheduling. This directly contradicts the signed agreement and resulted in me being rushed out prior to the agreed-upon date. Because of this, I was not provided a reasonable opportunity to complete cleaning or normal move-out preparation. The majority of the balance being reported consists of subjective damage and cleaning charges, including wall treatment, cleaning, and repairs, which are now being unfairly attributed to me under these circumstances. Furthermore, I was never offered or provided the opportunity to participate in a move-out inspection or walkthrough of the unit. I was willing to coordinate a walkthrough after vacating ; however, the property proceeded with turnover without my involvement while simultaneously rushing the move-out process. I was not given the opportunity to review, dispute, or address any alleged damages. Additionally, the balance includes a renters insurance charge in the amount of {$78.00}. This charge is inaccurate and unauthorized. I maintained my own renters insurance policy during my tenancy and did not renew my lease or agree to any requirement to obtain insurance through the property. Therefore, this charge should not have been applied and further demonstrates that the amount being reported is not accurate. While the property may claim to have photographic evidence, such evidence alone does not validate the charges. I was not given the full agreed-upon time to complete move-out cleaning due to being pressured to vacate prior to XX/XX/XXXX. Any condition reflected in such photos must be considered within the context of an incomplete move-out process caused by the propertys actions. To date, I have not been provided with : A signed move-out inspection report Photographic evidence tied to verified dates Itemized invoices supporting the amounts charged Proof that the condition exceeded normal wear and tear Documentation showing authorization for your company to collect on this account Given the conflicting move-out dates, lack of proper documentation, absence of a walkthrough, and inclusion of unauthorized charges, the accuracy and validity of this debt can not be verified. Under the Fair Debt Collection Practices Act, I am requesting full validation of this debt. Until such validation is provided, you must cease collection activity and reporting. Please be advised that reporting inaccurate or unverified information may constitute a violation of the Fair Credit Reporting Act. They have reported this to XXXX and it is showing up on our credit report as of XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation