Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
I am submitting this complaint regarding an inaccurate and invalid apartment debt being reported on my credit report in the amount of approximately {$15000.00} by XXXX XXXX XXXX. I never continued residing at the property because the apartment conditions were unsafe and uninhabitable. The unit had severe mold and pest/bug infestation issues that made the residence unsafe for my family. I notified the property management about these conditions and vacated the property because we could not safely live there. Despite these circumstances, the apartment complex is reporting a large balance as if I properly occupied and defaulted on the lease, which is inaccurate and misleading. This account is severely damaging my credit profile and preventing me from obtaining mortgage approval for a home purchase. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported to consumer reporting agencies. I am requesting that this account be fully investigated and deleted from all credit bureaus immediately because the debt is disputed, inaccurate, and arose from unsafe living conditions that forced me to vacate the property. Requested Resolution : Immediate deletion of this account from all credit reporting agencies Cease all collection activity regarding this disputed debt Provide all documentation, lease records, inspection reports, move-out records, and proof of alleged charges supporting this debt Verify whether the property was cited for mold, pest infestation, or habitability violations during the tenancy period This inaccurate reporting is causing significant financial hardship and interfering with my ability to qualify for a mortgage loan. I also dispute the legality and accuracy of any transfer or sale of this alleged debt to a third-party collection agency without proper validation and documentation. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request validation of the alleged debt, including proof of the amount owed, proof of ownership of the debt, and documentation showing I am legally responsible for the account. Additionally, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, furnishers of information are required to report information accurately and conduct a reasonable investigation once a debt is disputed. Because this alleged debt arose from unsafe and uninhabitable living conditions involving mold and pest infestation, I dispute the validity of the balance entirely. If this debt was sold or assigned to another company, I request : Proof of legal assignment or ownership of the debt Complete accounting records and payment history Original signed lease agreement Documentation supporting all charges and fees Proof the account balance is accurate and legally collectible If the company can not provide complete validation and documentation, I request immediate deletion of the account from all credit reporting agencies pursuant to the FCRA.

Company response to consumer: Closed with explanation