Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I am submitting this complaint regarding a disputed rental collection account reported by National Credit Systems , Inc. ( XXXX ) on behalf of The XXXX XXXX XXXX XXXX. My daughter rented an apartment at XXXX XXXX XXXX XXXXXXXX from approximately XX/XX/XXXX through XX/XX/XXXX. All monthly rent payments of approximately {$1600.00} were paid on time through XX/XX/XXXX. Beginning between XX/XX/XXXX and XX/XX/XXXX, an unknown individual repeatedly knocked on the apartment door during the middle of the night, harassing my daughter and her roommates. The residents informed the individual to stop and advised they would contact police if the conduct continued. The incidents were also reported to property management at XXXX XXXX XXXX XXXX which indicated they would look into the matter, assist with safety concerns, and discuss possible compensation due to the severity of the situation. After the harassment continued, my daughter filed police report number XXXX on XX/XX/XXXX. Although the incidents slowed afterward, the harassment and safety concerns continued intermittently until she vacated the apartment. Once her roommates moved out, my daughter no longer felt safe remaining alone in the apartment and vacated the unit on or about XX/XX/XXXX. During this period, she received multiple verbal assurances from property staff indicating that compensation or accommodation would be considered because of the documented safety situation and early move-out circumstances. She relied upon those representations and acted in good faith throughout the process. On XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX issued a delinquency/default notice alleging a balance of approximately {$1600.00} related to the lease account. On XX/XX/XXXX, a written dispute response was submitted explaining : the documented safety concerns, the stalking and harassment incidents, police involvement, prior communications with management, and the ongoing dispute regarding the charges. The response also explained that the payment method had been temporarily frozen while fair resolution discussions were requested and that resolution was being sought amicably. XXXX XXXX XXXX XXXXXXXX staff had verbally indicated that compensation or accommodation would likely be applied in light of the documented safety concerns and early move-out circumstances. As a result, the XX/XX/XXXX payment was delayed while the parties attempted to resolve the matter and determine the appropriate adjusted balance, if any. Had the property management meaningfully responded to the repeated written disputes and requests for investigation, we remained willing to discuss payment of any properly supported and undisputed portion of the account. Instead, the matter was escalated to collections without substantive engagement regarding the ongoing dispute. No meaningful response was received from the property management. On XX/XX/XXXX, a formal written Notice of Breach of Lease Agreement and Request for Termination and Waiver of XXXX Rent was submitted to XXXX XXXX XXXX XXXX The notice disputed the charges and requested : investigation of the documented safety concerns, lease termination accommodation, waiver of XXXX rent and associated charges, and confirmation that no negative credit reporting would occur. Despite multiple written notices and requests for investigation, no substantive written response was provided by the property management. On XX/XX/XXXX, a final account statement was issued reflecting a balance of approximately {$1800.00}, including rent, fees, and late charges. On XX/XX/XXXX, an additional written dispute notice was submitted requesting confirmation that : the dispute remained under review, collection activity would be suspended pending investigation, and all future communications be sent in writing to an updated email address because the Indiana University student email account was no longer active after graduation. No meaningful response was received. On or about XX/XX/XXXX, National Credit Systems XXXX Inc. ( XXXX ) issued a collection notice regarding the alleged balance of approximately {$1800.00}. On XX/XX/XXXX, a timely written debt validation and dispute request was submitted to XXXX requesting : validation of the debt, itemized charges, lease and account records, investigation documentation, supporting records, and confirmation that the account would be reported as disputed to all consumer reporting agencies. XXXX later responded with a generalized form response stating that the creditor had previously validated the debt but did not meaningfully address the factual disputes, supporting documentation, requests for investigation details, or the documented safety concerns underlying the dispute. On XX/XX/XXXX, an additional formal dispute letter was submitted to XXXX further documenting : the prior written disputes, police report information, Indiana University reporting, disputed late fees, and the lack of meaningful response from the property management. That correspondence also requested : a full investigation of the account, validation of all charges, copies of internal notes and communications, suspension of collection activity pending investigation, and correction or removal of credit reporting while the account remained disputed. The letter additionally stated that this was the XXXX time sufficient documentation had been provided to meaningfully evaluate the charges and requested that any potential settlement discussions include removal of disputed charges, recall from collections, and deletion of associated credit reporting. The account was subsequently disputed with XXXX XXXX XXXX XXXX. Despite substantial supporting documentation and repeated written disputes, the account continued reporting as an active collection account and the disputes were generally marked verified as accurate. XXXX added a notation stating : Consumer disputes this account information. However, the account continues reporting as an active collection account and continues causing ongoing credit harm. The reinvestigation responses appear superficial and do not explain : what documents were reviewed, whether the underlying dispute documentation was considered, what investigation procedures were followed, or how the account was determined to be fully accurate despite substantial unresolved factual disputes and extensive written documentation. To date, neither the furnisher nor the collection agency has provided a substantive explanation of how the disputed information was verified despite repeated written disputes and supporting documentation. While this account remains fully disputed, I remain willing to discuss an amicable resolution of this matter in order to avoid further escalation and continued credit harm. However, any meaningful resolution would need to include : removal of disputed late fees and related charges, recall of the account from collections, deletion of associated credit reporting, and written confirmation of the final resolution terms. I continue to request a meaningful investigation and reasonable review of the extensive documentation previously submitted. I believe the furnisher and consumer reporting agencies failed to conduct a reasonable investigation of this disputed account and continued reporting inaccurate or incomplete information despite repeated disputes and supporting documentation. Thank you for your assistance in our request.

Company response to consumer: Closed with explanation