Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX, XXXX ( property management company for XXXX XXXX in XXXX XXXX, Missouri ) and Attorney XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX. ) for multiple, serious violations of the Fair Debt Collection Practices Act ( FDCPA ) and misrepresentation of debt to credit reporting agencies. These actions have caused ongoing credit damage and severely impaired my ability to secure stable housing. 

I was a tenant at Arcade Apartments from XXXX through XXXX, with full eligibility under state and federal rental assistance programs due to my disability status and documented need for housing support. Despite this, Dominium and their attorney initiated an eviction action against me while a SAFHR rental assistance application and was still activea direct violation of SAFHR program guidelines. Following the judgment, Attorney Forth also filed for garnishment against protected income and allowed a public eviction record to remain uncorrected, even after receiving verification that I had already vacated the property.

After I disputed the charges, neither Dominium nor Attorney Forth provided a corrected accounting or any legal justification for continuing to report inflated balances to the credit bureaus. The debt they claim exceeds {$12000.00}, but this figure includes improperly calculated parking charges, misapplied fees, and SAFHR-covered rent that was in the process of being resolved when they pursued legal action. At no point was I issued a proper debt validation notice or given an opportunity to challenge the charges through the appropriate process prior to litigation or credit reporting.

Below is a summary of their specific FDCPA violations. Please see uploaded notarized affidavit for full details.

FAIR DEBT COLLECTION PRACTICES ACT VIOLATION SUMMARY Attorney XXXX XXXX XXXX, acting as a debt collector on behalf of Dominium ( Arcade Apartments ), engaged in multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), codified at 15 U.S.C. 1692 et seq., in connection with the attempted collection of an alleged rental debt that was disputed, mischaracterized, and pursued while a pending SAFHR application was under review.

The following FDCPA provisions were violated : 1. 15 U.S.C. 1692g ( a ) Failure to Provide Timely Debt Validation No written validation notice was sent within five days of the initial communication regarding the alleged debt. At no point did Attorney Forth provide : - The amount of the alleged debt in writing - The name of the current and/or original creditor - A clear statement of XXXX XXXX XXXX 30-day right to dispute - An offer to provide verification or judgment upon written request 2. 15 U.S.C. 1692g ( b ) Failure to Cease Collection Activity Upon Dispute XXXX XXXX submitted written disputes of the debt and the amount ( via SAFHR documentation, email correspondence, and legal filings ). Despite this, collection efforts continued, including : - Proceeding with an eviction trial - Initiating garnishment against exempt income- Reporting the debt to credit bureaus - Failing to obtain or provide verification of the debt prior to continued collection 3. 15 U.S.C. 1692e False or Misleading Representations Attorney Forth misrepresented the nature, character, and amount of the debt by : - Referring to SAFHR delays as tenant fault - Using inflated balances including parking and disputed fees - Implying an active judgment when no proper validation had occurred - Suggesting collection was authorized despite known disputes and program protections 4. 15 U.S.C. 1692d Harassment and Abuse The pursuit of garnishment and eviction proceedings, despite documentation of hardship and exempt income, constitutes coercive behavior. A request for a continuance was denied without valid basis, despite knowledge of disability and documentation, further contributing to emotional harm.

5. 15 U.S.C. 1692k Civil Liability Under this section, XXXX XXXX reserves the right to seek : - Statutory damages up to {$1000.00} - Actual damages including loss of housing, credit damage, and emotional distress - Attorneys fees and legal costs, should further enforcement be necessary These violations are supported by communications between XXXX XXXX, Attorney XXXX XXXX XXXX, Dominium staff and SAFHR representatives, and are documented in the complaint packet exhibits.

Company response to consumer: Closed with explanation