Consumer complaint received 2026-03-08 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: NC

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by National Credit Systems on behalf of XXXX XXXX XXXX. I dispute this debt because it was resolved through a settlement agreement in XXXX XXXX XXXX XXXX XXXX. During my tenancy at XXXX XXXX XXXX, my family and I experienced serious and ongoing health and safety issues that were not properly addressed by the property management. Raw sewage repeatedly flowed into my apartment and flooded the unit over a period of time. When flooring tiles were removed, significant black mold was discovered underneath. Maintenance requests were made many times, yet maintenance often documented repairs as completed even though they had not come to the apartment. In addition, the apartment complex began major construction in the parking lot directly outside my unit. A large crane was parked approximately eight to ten feet from my front door for extended periods of time. The constant drilling and construction caused items to fall from my walls inside the apartment. Due to large gaps under and around the door, construction dust frequently entered my apartment. I XXXX from XXXX and the dust exposure caused serious XXXX XXXX that resulted in multiple XXXX XXXX visits. During this time my family was also experiencing severe personal hardship. My XXXX XXXX XXXX unexpectedly and there was no death insurance to assist with expenses. At the same time my husband was undergoing XXXX XXXX and XXXX. Because of the unresolved apartment conditions and these hardships, I was unable to continue paying for repairs that management refused to address. XXXX XXXX XXXX eventually filed for eviction. I appeared in court with documentation of the conditions and maintenance failures. The attorney representing XXXX approached us and offered a settlement. Under the agreement, we were allowed to remain in the apartment until the end of our lease without paying additional rent due to the conditions we had endured. In exchange, we agreed to move out by the end of the lease term. The agreement also stated that the complaint would be dismissed with prejudice and that each party would bear their own costs and fees. We complied fully with the agreement and vacated the property as required. However, several months later XXXX XXXX XXXX placed the alleged rent balance with National Credit Systems, who is now reporting this account on my credit report. This is inaccurate and unfair because the matter was resolved through a settlement agreement and the case was to be dismissed with prejudice. The reporting of this debt has severely harmed my credit and has made it extremely difficult for my family to find safe housing. I have previously disputed the account with the credit bureaus and provided a copy of the settlement agreement, but the collection remains on my report. I am requesting that National Credit Systems and XXXX XXXX XXXX correct this issue and remove the collection account from my credit reports because the matter was resolved through the settlement agreement and the debt should not exist.

Company response to consumer: Closed with explanation