Consumer complaint received 2026-02-04 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: TX

Complaint narrative:
I am disputing a rental debt being reported and collected related to XXXX XXXX XXXX. The amount being claimed is inaccurate and not supported by documentation. 
I moved out of the apartment one month early. I was informed by the property manager that an additional month of rent was added solely because I moved out early. This explanation is inconsistent with my lease terms and Texas law, which requires landlords to mitigate damages by attempting to re-rent the unit. No documentation has been provided showing vacancy dates, re-rental efforts, or justification for charging an additional month of rent. 
The amount being claimed does not match the rent listed in my lease. When I contacted the property manager, she stated that they can not locate all of my records and that I may be charged additional fees for the time spent searching for them to send to the collection agency. I was also threatened with additional charges during this conversation.

After I stated that I intended to file a complaint, the property manager called me back and changed her tone. However, no written documentation or proof has been provided to support the debt.

I have requested validation of the debt, including a copy of the lease, a full payment ledger, and documentation supporting the additional month of rent. This information has not been provided. I believe this debt is being improperly reported and collected and is preventing me from securing housing.

I am requesting that this debt be properly investigated, validated with documentation, or removed if it can not be substantiated.

In addition, I contacted the debt collection agency attempting to collect this alleged rental debt to request validation and clarification of the amount owed. During this call, the representative was dismissive, refused to provide clear information regarding how the balance was calculated, and terminated the call abruptly. No written validation, itemized breakdown, or supporting documentation has been provided by the debt collector despite my request.

The debt collector continues to attempt collection without substantiating the debt, which I believe is a violation of fair debt collection practices. This inaccurate and unverified debt is being reported and is causing ongoing harm, including denial of housing.

When I contacted the debt collection agency to request proof of the alleged property damage, they refused to provide documentation. Instead, the representative stated " how do I know this was not you, '' and insisted that I was responsible because I did not complete a move-out walk through with the property manager, stating that this allowed the property to claim damages. The collector did not provide any evidence, invoices, photos, or itemized documentation to substantiate the alleged damages and shifted the burden of proof onto me rather than validating the debt as required.

Attached are the only documents provided by the ceditor and debt collector. These documents list alleged charges and balances but do not include any supporting evidence such as photos, invoices, repair receipts, inspection reports, or itemized proof of the alleged damages or additional rent. Despite my requests, no further documentation has been provided.

Company response to consumer: Closed with explanation