Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
In 2023, I signed a residential lease with an apartment complex located at XXXX XXXX XXXX, XXXX, TX XXXX based on material representations made by leasing staff. I was shown a model unit and promised my specific unit would be ready and in comparable condition by my scheduled move-in date. I was instructed that deposits must be paid via money order, not online, and I complied. On the scheduled move-in date, I arrived to take possession and was informed my assigned unit was not ready. The only alternative offered was a different unit in unsanitary condition with active roach infestation. Due to having no other housing, I accepted the key. That evening the unit was fumigated, rendering carpets and floors saturated with chemical pesticides that made the unit uninhabitable. I incurred hotel costs that night. Over the following week, the roach infestation worsened despite additional chemical treatments applied without notice while I was at work. I made multiple verbal and written complaints to the property XXXX stating the unit was unsafe and the chemical exposure was affecting my health. Management stated no other remedy was available. Police advised this was a civil matter. Due to breach of the implied warranty of habitability and failure to provide the unit as represented, I vacated the premises and provided notice. When I attempted to return keys in person, the leasing office was locked and I deposited them in the designated drop box as instructed by signage. During move-in, I informed management I would need to temporarily park near the building due to the distance to the unit while moving belongings. Despite this notice, my vehicle was towed within 15 minutes and I was told to pay {$350.00}. I could not afford the fee and the vehicle was repossessed. The complex is now reported an alleged balance of {$2500.00} to national credit system characterized as charges for improper notice before vacating. This characterization is false. I provided notice, vacated due to uninhabitable conditions caused by the landlord, and disputes were made contemporaneously. On XXXX XXXX, 2026, I sent a written Debt Validation Request via certified mail to National Credit Systems at both their XXXX, GA and XXXX, XXXX GA addresses pursuant to 15 U.S.C. 1692g ( b ), demanding : 1 ) Contract bearing my signature, 2 ) Itemized accounting of {$2500.00}, 3 ) Proof of license to collect in TX and XXXX, 4 ) Chain of title for the debt. As of today, no validation has been received. Yet the collector continues reporting the account without marking it disputed in violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ) and continues collection activity in violation of 15 U.S.C. 1692g ( b ). Legal violations present : 1. FDCPA 15 U.S.C. 1692g ( b ) : Failure to cease collection and verify debt after timely dispute 2. FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Furnishing information the company knows or should know is inaccurate 3. FCRA 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Failure to report account as disputed to CRAs 4. FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) : False representation of character/amount of debt 5. FDCPA 15 U.S.C. 1692f ( 1 ) : Attempt to collect amount not authorized by agreement or law Requested resolution from CFPB : 1. Direct National Credit Systems to provide full validation within 15 days or permanently delete the trade line from XXXX XXXX, and XXXX. 2. Investigate the company for pattern of collecting unverified habitability-related debts from Texas properties . 3. Confirm the collector will cease all communication except notice of validation or deletion per 15 U.S.C. 1692c ( c ). The underlying debt is disputed due to landlords constructive eviction and breach of contract. No amount is legally owed

Company response to consumer: Closed with explanation