Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
XXXXOn XXXX XXXX XXXX I received a collection letter from National Credit Systems, Inc. XXXX XXXX XXXX XXXX GA XXXX) regarding an alleged debt of XXXX owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to dispute this debt as invalid and to report violations of my rights under state and federal law.XXXXXXXXXXXX XXXX XXXX Move-Out Date: XXXX XXXX XXXX Legal Deadline for Move-Out StatementXXXX XXXX XXXX XXXX XXXX days after move-out per XXXX XXXX XXXX XXXX XXXX XXXX  Regarding Charges: XXXX XXXX XXXX XXXX XXXX XXXX XXXX days after move-out, sent only after my mother\'s demand email on the same date at XXXX XXXX XXXX XXXX Letter Date: XXXX XXXX XXXX (received XXXX XXXX XXXX  Credit Bureau Reporting: Occurred without prior written notice to meXXXX XXXXThis unauthorized debt reporting caused my credit score to drop approximately 100 points. My credit report now shows "Presence of derogatory public record or collection," which states this may remain on my credit report for 7-10 years and significantly impacts my ability to obtain credit or favorable interest rates.XXXX XXXX DISPUTES:XXXX. I never received written notice of any alleged debt prior to the XXXX XXXX XXXX  collection letterXXXX XXXX XXXX XXXX failed to provide the legally required itemized move-out statement within XXXX days of my XXXX XXXX XXXX  move-out dateXXXX The apartment complex returned my XXXX XXXX rent payment, yet is now claiming rent is owed for that same period.XXXX All communications regarding move-out charges were sent only to my mother (XXXX XXXX XXXX, not to me, despite my being a tenant on the lease.XXXX. I received no opportunity to dispute these charges before they were reported to credit bureaus.XXXX XXXXALLEGED LEGAL VIOLATIONSXXXXNational Credit Systems, Inc. and XXXX XXXX XXXX  appear to have violatedXXXX  California Civil Code  1950.5 (security deposit disposition and timeline requirements)XXXX  Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692 et seq. (improper debt collection practices)XXXX XXXX XXXX  Fair Debt Collection Practices Act (state-level debt collection protections)\XXXX Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq. (unauthorized credit reporting without proper notice)\n\nSPECIFIC VIOLATIONSXXXXViolatioXXXX XXXX XXXX  Failure to Provide Itemized Statement Within 21 Days: California law requires landlords to provide an itemized statement of charges within 21 days of tenant move-out. This did not occur.XXXXViolation XXXX - Unlawful Credit Reporting Without Notice: The debt was reported to credit bureaus without providing me prior written notice or opportunity to dispute.\n\nViolation XXXX XXXX Retaliatory Timing: The move-out statement was only provided after my mother sent a demand letter on XXXX XXXX XXXX, more than 60 days past the legal deadlineXXXX XXXX XXXX   False Claims of Rent Owed: The apartment complex is claiming unpaid rent for XXXX XXXX despite having returned my rent payment for that period.XXXX XXXX  - Improper Debt Collection: National Credit Systems, Inc. reported this disputed debt to credit bureaus without proper validation or notice to me.XXXXREQUESTED ACTIONS:\n\nI request that the CFPB investigate this matter and forward my complaint to both National Credit Systems, Inc. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, I am requesting:XXXX Immediate removal of this disputed debt from all credit reporting agenciesXXXX Documentation proving proper notice was provided to me within legal timeframesXXXX. Explanation of why rent is claimed for XXXX  XXXX  when my payment was returned\XXXX. Investigation into the failure to provide the move-out statement within XXXX XXXX Investigation into whether proper debt validation procedures were followed before credit reportingXXXX XXXX Monetary compensation and statutory damages for the willful violations of my rights under the FDCPA, FCRA, and California Civil Code  1950.5, including but not limited to: actual damages resulting from the unlawful credit reporting (including the XXXX-point credit score decrease), statutory damages as provided by law, costs incurred in disputing this invalid debt, and any other relief the CFPB deems appropriateXXXXCONCLUSIONXXXX  categorically dispute and reject all charges in this collection notice. The debt is legally invalid due to the landlord\'s failure to comply with California Civil Code  1950.5, and the collection activities violate my rights under the FDCPA, FCRA, and XXXX XXXX Fair Debt Collection Practices Act. I have suffered measurable harm through the unauthorized damage to my credit report and request full investigation and resolution of this matter.\n\n Letter Received From National Credit Systems\n\nClient: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number: XXXXAccount Number: XXXXNCS Default Password (for website): XXXXBalance: XXXXDear XXXX  XXXX XXXXYou have not made a suitable arrangement to resolve the above-referenced debXXXXAs a result, we have furnished information concerning this debt to one or more consumer reporting agencies (credit bureaus). XXXXAdverse information contained in credit reports can make it difficult to obtain credit, rent, and/or secure favorable interest ratesXXXX XXXXHowever, our representatives will still work with you to resolve your debt and take your individual situation into consideration.\n\nWe urge you to contact our office to further discus this matter.\nCordiallyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation