Consumer complaint received 2026-05-06 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: TX

Complaint narrative:
Back in 2020 I was staying with my boyfriend on and off. He was trying to get the apartment company ( XXXX XXXX ) to give him a copy of the lease agreement in order to submit his 60 day notice. They couldnt find it and the excuse was they were a new management company so they told him they would give him a new 30 day lease agreement as he stated his lease was ending and did not want to resign and that it was no way they could provide his original lease contract. I got into argument with a leasing agent over a XXXX comment she made to my child in XXXX of 2020 which me and him both went to the leasing office to speak to the manager about it and was told they no longer wanted him to stay there and was going to file an eviction notice. During that process he moved out and someone started squatting there resulting in the police removing them from the property. The lady and man that was squatting were actually being evicted out of the property right across from his. He went to court and said they put a balance on his account. I was never notified about court or anything about me owing that property money until XX/XX/year> when it popped up on my credit report. I immediately tried to dispute the charges because I knew I didnt have an active lease with my name and signature for that property. I tried calling and going to the property but was told I wasnt allowed on the property or that the police would be called so I submitted a dispute multiple times with the credit bureau who will not remove the debt. I called and explained that I never received anything in the mail from them about the debt. They still refused to remove it. Its been 6 years and today I called ( the debt collector ) to see what was going on with the debt and I was told I needed to pay and the man was very aggressive and rude and overtalking me and just said hed send a email about the debt and a way to pay it and that at my age I shouldve been paid it etc. I then spoke to the actual lease holder whose debt it belongs too and he even said it was weird that they put it on my name. He was the lease holder but got no debt for that apartment unit to which he was legally responsible for. The only way theres a lease with my name and signature is if fraud was committed by the staff. I was not physically living in that unit when he went to court and got evicted. Hes willing to speak on my behalf to the debt collection company but they keep hanging up on me to which I have left an voicemail with the supervisor to call me back regarding this matter. I do not owe timber ridge apartments and I need this removed and resolved immediately before I take legal action against them for filing an illegal claim of eviction on my name. Nobody will provide me with paperwork that will prove I was never on the lease or even on the lease for that matter. As of today, I have a debt collector attempting to collect a debt that does not belong to me.

Company response to consumer: Closed with explanation