Consumer complaint received 2025-03-25 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:
GA law requires proof of notice, mitigation/dispute opportunity and an itemization of charges. None were provided within the 30 day timeline per GA law. I moved out on XX/XX/XXXX and received my first notice of only the complete amount from a debt collector on XX/XX/XXXX via mail from National Credit Systems. On XX/XX/XXXX I emailed photos, the lease and GA law requirements to the email provided by National Credit Systems. On XX/XX/XXXX I uploaded photos, the lease and GA law to the National Credit Systems portal. On XX/XX/XXXX XXXX XXXX sent me to his supervisor to leave a voicemail for XXXX XXXX, to which I did. I was told by XXXX XXXX XXXX National Credit Systems on XX/XX/XXXX that my account was pending investigation by the dispute team. On XX/XX/XXXX I spoke with XXXX XXXXXXXX of National Credit Systems and he had no response to the pending investigation and I followed up on the voicemail that I left for his supervisor XXXX XXXX, to which he had no response as well. On XX/XX/XXXX I received a letter with a 50 % debt discount and no response to my inquiries. On XX/XX/XXXX I left a voicemail inquiring on a response to the investigation and XXXX XXXX voicemail to which I didn't receive a response. I wasn't provided an itemization of charges until XX/XX/XXXX when I called and spoke with XXXX XXXX who informed me that she didn't have proof of notice or proof of accuracy to the itemization. XXXX said she would speak with the property and inquire on proof of notice and billing adjustments. I then subsequently left a voicemail with the Corporate office of XXXX XXXX requesting a call. The XXXX office had XXXX XXXX of XXXX XXXX call me on XX/XX/XXXX. XXXX was provided emails from XXXX XXXX showing that the billing that was issued to the tenants ( that was on my final bill ) was inaccurate and was undergoing review for adjustments. My final bill that was reported to my credit included only the inaccurate billing, not the adjustments. XXXX agreed that that was an error. XXXX also stated she did not have proof of notice from her view that she could provide me stating I was properly notified per GA law. XXXX said she would have to follow-up with her IT team and would be able to provide a response after she could get a response from her IT team. XXXX and I agreed to follow-up the following Monday to discuss what the accurate billing ( for utilities ) should be and for her to provide me with proof of notice of mailing for damages per GA law. On XX/XX/XXXX XXXX confirmed that she spoke with National Credit Systems to put my account on hold because the final bill reported to my credit was not accurate. XXXX still did not have proof of notice per GA law. I requested that this be removed from my credit as it was reported fraudulently without proper notice per GA law and with inaccurate damages. XXXX and XXXX from XXXX XXXX stated they were still waiting on their investigation and I had to wait for my next steps. Because this property violated GA law as a result of the lack of appropriate notice, claiming inaccurate damages and did not attempt to resolve with clean hands or proper mitigation/dispute resolution before reporting to my credit, this should not have been reported to my credit. GA law states after 30 days the right to recover is forfeited. Companies should not be able to report fraudulent accounts to tenant 's credit and this is abuse of power. 

I'm unable to attach my XX/XX/XXXX emails to this complaint because of the file sizes, but I ' happy to forward them to a personal email subsequently to this complaint.

Company response to consumer: Closed with explanation