Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
b'I am filing this complaint regarding inaccurate and disputed collection reporting associated with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.\n\nWe resided at XXXX XXXX XXXX XXXX, XXXX XXXX, from XXXX XXXX until XXXX XXXX XXXX. Please note that the lease was expired on XXXX XXXX and then we were living on a month to month lease basis. At move-out on XXXX XXXX XXXX property management presented us with a move-out inspection form that was completely blank and requested our signatures. No damages, repair charges, cleaning charges, flooring damage, paint charges, broken windows, or trash removal items were documented or disclosed on the form at the time we signed it. We retained a copy of this signed blank inspection document. Please note that upon our lease expiry in XXXX XXXX, we have paid the rent till XXXX XXXX with $XXXX increase in rental starting XXXX XXXX to XXXX XXXX as per property manager instructions without a written increase rental notification. At the time of move out, our deposit was also not refunded and on the top of it, many months later XXXX XXXX XXXX property management is trying to recoup the money of the 50 year old property apartment complex renovation from us and using our credit score as a tool to blackmail us by putting a $XXXX charge off and stating either pay off this charge or face lower credit score.\n\n3 Months later in the end of XXXX XXXX, we discovered that substantial charges totaling approximately $XXXX had been reported to collections through National Credit Systems and furnished to credit reporting agencies . We never agreed to, acknowledged, or received any documentation supporting these charges at the time of move-out. \n\nWe strongly dispute the legitimacy and accuracy of the alleged debt. If the inspection form was later completed or altered after our signatures were obtained on a blank document, this raises serious concerns regarding improper documentation practices and the reliability of the evidence being used to support the collection account.\n\nAdditionally, after we disputed the charges recently after this matter came to our attention by National Credit System back in XXXX XXXX, the property management of XXXX XXXX XXXX later reduced the alleged balance from $XXXX to $XXXX. This reduction itself demonstrates that the originally reported balance was inaccurate and unsupported. Supporting email correspondence is attached.\n\nI also dispute the forwarding address listed in the collection documentation:XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis address was never provided by me and has never been my residence or forwarding address. As a result, I question whether any notices or itemized statements were properly delivered after move-out.\n\nWe first became aware of the alleged debt only after receiving notice from XXXX in XXXX XXXX that our credit score had significantly decreased due to this collection account.\n\nFurthermore, the apartment complex is an older property built in XXXX with substantial pre-existing wear and age-related conditions. We dispute that the charges claimed represent extraordinary tenant-caused damages rather than ordinary wear and tear, depreciation, or pre-existing conditions.\n\nTo date, we have not received adequate supporting documentation substantiating the debt, including:\n\n Photographs of alleged damages\n Properly completed move-out inspection reports\n Contractor invoices or repair receipts\n Proof repairs were completed\n Depreciation calculations for flooring, paint, resurfacing, or related items\n\nWe request that CFPB investigate this matter and require the furnisher and collection agency to provide complete validation and documentation supporting the alleged debt and the accuracy of the reporting. If they cannot fully substantiate the account, we request that the collection tradeline be removed from all consumer reporting agencies from my credit profile and my husband credit profile as we were both applicants and both of our scores have been reduced from XXXX to around XXXX and Property Management is using this as a tool to blackmail us and asking us to pay off this amount to remove the charge off.\n\nAttached are supporting documents, including the blank signed move-out inspection form and related correspondence.\n\nSincerely,\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation