Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, National Credit Systems , Inc., and XXXX XXXX Landing Apartments. Specifically, these entities have engaged in practices that contravene 15 U.S.C. 1692e, which prohibits the use of false, deceptive, or misleading representations in the collection of any debt. 

Account Details : Creditor : XXXX XXXXXXXX XXXX XXXX Balance Reported : {$980.00} originality ( as of XX/XX/year>XXXX  ) Collection Agency : National Credit Systems , Inc . 
Verification Entity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Summary of the Issue : The debt referenced above has been verified multiple times since XX/XX/year>, as having a balance of {$980.00}. then lowered to {$250.00} However, upon reviewing the documents, I discovered clear evidence of falsification and forgery. Specifically : Falsified Move-Out Statement : The statement provided was altered to include the note, " only charging for cleaning and carpet {$250.00}, '' along with " Balance {$250.00}. '' Critical original informationsuch as Chg/Rec XXXX and Balance $ XXXXwas crossed out. 
Forged Apartment Rental Contract : The purported contract does not bear the authentic signatures of myself or my co-applicant, nor does it include the signatures of the management company or its representative. This is not the original contract we signed, and the discrepancies render the document invalid. 
I sent a notarized letter ( attached ) via certified mail disputing these inaccuracies and providing a detailed breakdown of the discrepancies. Despite the clear evidence presented, the companies have failed to respond or provide legitimate documentation to refute my claims. 

Violations : The actions of these entities constitute violations of the following FDCPA provisions : 15 U.S.C. 1692e : Prohibition of false, deceptive, or misleading representations in the collection of any debt, including the submission of falsified or altered documents. 
15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes and correct inaccurate information, which these entities have failed to uphold.

Resolution Sought : I request the following remedies : A thorough investigation into the actions of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, National Credit Systems , Inc., and XXXX XXXX Landing Apartments regarding their use of falsified documents in this debt collection effort. 
Immediate correction of inaccuracies reported to the credit bureaus and removal of the associated tradeline from my credit reports. 
Confirmation that all future collection efforts cease unless legitimate, original, and unaltered documentation is provided. 
Any other appropriate penalties or remedies for the violations identified. 
Attached to this complaint are : A copy of my detailed dispute letter. 
Certified mail tracking confirmations. 
Copies of the falsified documents provided by the entities in question. 
I trust the CFPB will promptly address these serious violations of federal law.

Company response to consumer: Closed with explanation