Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting, improper debt collection practices, and failure to provide documentation by my former apartment complex, Overlook at XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX  ). The property has reported a balance of {$1000.00} to the credit bureaus, despite having already accepted a {$170.00} payment from XXXX ( my deposit bond provider ). The complex noted my final move-out charges totaled {$1000.00}, per the propertys final account statement ( attached ). After reviewing and disputing with the complex, no additional proof of the excessive damage was provided to me to justify the amount. Additionally additional reimursements from previous communications were not provided as promised from XXXX, the property manager. Quickly afterwards, my access to the portal was removed and the complex advised that I could only work with thier third party XXXX. I used the third-party deposit bond service, XXXX as recommended from the complex and worked with them as noted from XXXX. Jetty paid {$170.00} directly to the property on my behalf and confirmed that the apartment failed to provide documentation for the majority of the charges they attempted to claim, including : Carpet shampoo Housekeeping Full paint Pet treatment Tub & tile resurfacing Because the property did not respond to XXXX documentation requests, XXXX approved only a partial payment of {$170.00}. The apartment received that {$170.00} and updated my official account balance to {$920.00}, as shown in their Revised Final Account Statement dated XX/XX/year>. However, the complex still could not provide me with proof of the full {$920.00} in damage. Despite acknowledging receipt of the payment, adjusting my balance, and choosing not to provide proof of the damage, the apartment reported the full {$1000.00} to the credit bureaus. This means the property is attempting to collect a balance on a property without proof of the damage, additionally, they are pushing to collect the same money twice from me, after collecting from XXXX, followed by reporting an inflated rate vs. what was actually documented, which all directly violates FCRA requirements that all furnished credit information must be accurate, complete, not misleading, and able to be substantiated. XXXX documents clearly show repeated attempts to obtain proof of charges, with no cooperation from the apartment. I had spoken with the complex and not recieved valid updates or resolutions, and their emails illustrate that the apartment failed to respond within the required timeframes. This violates Federal Law FCRA ( Fair Credit Reporting Act ) because furnishers may not report information they know is inaccurate. The apartments own ledger contradicts what they reported to the credit bureaus. FDCPA ( Fair Debt Collection Practices Act ) : If a collector is involved, attempting to collect a debt amount that has already been partially satisfied is unlawful. Unfair or Deceptive Acts or Practices ( UDAAP ) : Reporting inaccurate balances after receiving payment constitutes a deceptive and harmful practice.

Company response to consumer: Closed with explanation