Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
To the CFPB and National Credit Systems, I am requesting a full reinvestigation and deletion of this account because the charges reported are false, inaccurate, and were added AFTER I moved out of the property. The documentation provided by the original creditor contains multiple contradictions and illegal charges. Below is a clear breakdown of the charges and why they are invalid.

1. NO NOTICE Fee {$1200.00} ( Invalid ) They charged me a {$1200.00} no notice fee, BUT : I turned in my keys on XX/XX/XXXX The Key Return Form is signed by me AND their staff My lease did not end until XX/XX/XXXX A tenant on a FIXED lease is NOT required to give 30-day notice They accepted the keys and documented the return You can not charge no notice when the tenant has already returned keys and the landlord accepted possession.

2. Liquidated Damages {$2400.00} ( Invalid ) They added {$2400.00} in liquidated damages, but : My lease does NOT include a valid liquidated damages clause I NEVER signed anything agreeing to these fees They refunded my security deposit earlier ( as their own ledger shows ), which means they waived all damages There is no signature from me on ANY move-out charges Illegal charge no signature, no agreement, no legal basis.

3. Court Costs/ Attorney Fees {$180.00} ( Invalid ) Their ledger shows court costs and attorney fees, but : They filed the eviction AFTER I had already moved out I turned in my keys on XX/XX/XXXX They filed because THEY did not update their records during multiple management changes The eviction case was DISMISSED I did not cause the court filing their internal disorganization did.

I can not be charged attorney fees for their mistake.

4. Late Fees {$50.00} ( Invalid ) They charged late fees AFTER I moved out.

Once possession is returned, rent stops They accepted keys in writing on XX/XX/XXXX Illegal to assign late fees after move-out. 



5. Walls, Blinds, Paint {$310.00} ( Invalid + Pre-Existing Damage ) They added {$310.00} for damages, BUT : These damages existed BEFORE I moved in XXXX XXXX  XXXX both knew about these issues I reported damages multiple times I have VIDEO documenting pre-existing damage Kentucky law requires an itemized list WITHIN 30 DAYS I never received anything Illegal charge missing itemization, missing signature, and pre-existing conditions. 



6. Rent Charges for Months I Did NOT Live There Their ledger charges me rent for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX But the facts are : XXXX assistance paid rent through XXXX A {$500.00} payment was applied in XXXX Late assistance waived fees And MOST IMPORTANTLY : I moved out and returned keys on XX/XX/XXXX. 

You can not charge a tenant for rent AFTER you accept possession of the unit. 



7. Three Different Ledgers With Three Different Balances I was given : 1. A ledger showing {$4200.00} 2. A ledger showing {$5000.00} 3. A ledger showing {$3800.00} The debt amount changed multiple times with no explanation.

Under FCRA, a debt that changes repeatedly and lacks consistency can not be verified and should not be reported.

8. Key Return Form PROVES I Moved Out Before the Eviction My Key Return Form clearly states : Returned keys : XX/XX/XXXX Signed by me Received by the property manager Date stamped This proves : I was out before they filed eviction I owed no further rent after XX/XX/XXXX I did not abandon the unit They accepted possession All post-move-out charges are invalid This form legally ends my responsibility for the unit. 



9. The Property Management Changes Created the Problem Not Me During my lease, FOUR different management companies were involved : XXXX XXXX XXXX Additional third-party managers coming in and out Because of this : Tenant records were lost Notices were not delivered They did not know who lived in which unit They did not track repairs or move-outs They filed eviction even though I had already moved out Their internal chaos is not my legal or financial responsibility. 



10. XXXX Was SHUT DOWN for Mismanagement XXXX  the original manager was closed due to : failing to repair units ignoring tenant complaints severe property deterioration I had documented damages from day one. 

They are now trying to charge me for the SAME damages they ignored. 



11. Mistreatment and Intimidation by XXXX Manager XXXX XXXX attempted to belittle me, talk down to me, and ignore my repair requests. 
His behavior aligns with the careless and inaccurate way these charges were created. 



FINAL STATEMENT These charges were : created after move-out created without my signature created in contradiction to Kentucky landlord-tenant law inconsistent across multiple ledgers based on management mistakes based on pre-existing damages assessed after accepting the keys connected to an eviction that should have never been filed This is not a valid debt and must be removed from all credit reporting.

I am asking the CFPB to require deletion of this account due to inaccurate reporting, unverifiable charges, and violations of FCRA and Kentucky law.

Company response to consumer: Closed with explanation