Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Proactive Dispute Inaccurate Apartment Charges ( Unit XXXX, XXXX XXXX ) To Whom It XXXX Concern, I am writing to proactively dispute charges that XXXX be reported by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX ; Corporate Office : XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX. Although these charges have not yet appeared on my credit report, I believe they XXXX be filed soon. I am requesting that this record be flagged and investigated in advance, as the charges are false, inflated, and unsupported. 
Disputed Charges ( with Explanations ) First, I understand the kitchen cleaning fee for the microwave. However, I do not agree with the other charges for the reasons below : XXXX. XXXX XXXX XXXX {$170.00} I received no texts, emails, or written notices from management about a specific noon deadline for key return on XX/XX/XXXX. 
Other residents have confirmed they were not informed of such a deadline either. 
XXXX of the employees even told me that if I emailed about this charge, it could be removed. 
On my resident ledger, there is no late key fee listed instead, it shows XXXX XXXX or XXXX XXXX for {$170.00}. If this was intended as a late fee, it is mislabeled and far above the {$100.00} amount I was told a late return would cost. 
XXXX. Bathroom Cleaning {$120.00} The tub was not dirty at move-out. It looked the same as when I moved in, with stains and issues that were already present. 
I documented this condition on my signed XXXX XXXX XXXX dated XX/XX/year>, and I have photographs from move-in as proof. 
I also cleaned the bathroom thoroughly before vacating, so charging me for pre-existing stains is unjustified. 
XXXX. Trash Removal {$80.00} At move-out, we only left trash bags properly placed for valet trash service, which we paid for at $ XXXX. 
Those bags were not abandoned and were left in the designated pickup area, as required. 
The photos management provided include items that were not present when I vacated. 
Additional Supporting Information Pre-existing Damages : At move-in, the unit already had issues dirty floors, old socks under the bed, adhesive hooks in the shower, ripped couch cushions, missing balcony blinds, and more. All of this was noted on the official XXXX XXXX XXXX and XXXX by photos. 
XXXX XXXX : Since no written deadline was communicated, I can not be penalized for late return of keys. 
Conclusion & Requested Action These charges are false, inflated, and based on pre-existing conditions. I have documentation and photos showing the condition of the unit both at move-in and move-out. 
Since the apartment has not yet filed these charges with the credit bureaus but likely will, I am disputing them preemptively to protect my file. 
Under the Fair Credit Reporting Act ( FCRA ), I request that these charges be flagged and investigated, and that they not be added to my credit report without full verification. 
Requested Action Please : XXXX this account as disputed in my file. 
Require Campus Advantage XXXX XXXX to provide verified documentation before any reporting. 
Notify me of the results of this investigation. 
Attached below is my move in form and pictures of the bathroom how I left it when I moved out.

Company response to consumer: Untimely response