Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
Subject : Dispute of Invalid Collection Account National Credit Systems / XXXX XXXX XXXX Amount : {$3900.00} Account No. : XXXX Date Reported : XX/XX/year> I am formally disputing the accuracy and legality of the above-referenced collection account under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

This alleged debt stems from a residential lease at XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida  XXXX, which I lawfully terminated under Florida Statute 83.56 ( 1 ) after serving a proper 7-Day Cure Notice due to ongoing habitability and health violations ( repeated smoke infiltration ). The landlord failed to cure the issue within the statutory period, and I vacated the premises on XX/XX/year> in full compliance with state law. 

On XX/XX/year>, only three ( 3 ) days after my lawful move-out, XXXX XXXX  generated a Final Account Statement that imposed an Early Termination Fee and transferred the alleged balance of {$3900.00} to National Credit Systems , Inc. for immediate collection. This action constitutes a violation of Florida Statute 83.49 ( 3 ) ( a ), which mandates that a landlord must send a written notice of intent to impose a claim within 30 days after tenancy ends, and allow the tenant 15 days to dispute the claim. 

Because no such notice was provided and the amount was immediately transferred to a debt collector, the landlord forfeited any right to collect or assign this claim under Florida Statute 83.49 ( 3 ) ( c ). This forfeiture renders the alleged debt legally void. 

The landlords act of assigning or selling this void claim to National Credit Systems constitutes a false representation of a debts legal status, in violation of FDCPA 807 ( 2 ) ( A ) and an attempt to collect an amount not authorized by law under FDCPA 808 ( 1 ). National Credit Systems further violated FDCPA 809 ( b ) by continuing to pursue collection without providing proper validation of the alleged debt and FCRA 623 ( a ) ( 1 ) ( A ) by furnishing inaccurate information to credit bureaus despite knowledge of the ongoing dispute. 

Furthermore, these actions constitute retaliation under Florida Statute 83.64 ( 1 ), as the debt and collection efforts began immediately after I exercised my statutory right to terminate the lease due to unaddressed health and safety conditions. 

I am demanding a reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ) and immediate removal of this invalid collection entry from my credit file. Attached are supporting documents : Lease agreement ( with early termination and animal addendum ) 7-Day Cure Notice under 83.56 ( 1 ) Move-out documentation and photographs ( XX/XX/year> ) Final Account Statement dated XX/XX/year> Correspondence confirming landlords lack of response during the cure period This collection entry is factually and legally inaccurate. It represents a void, unvalidated, and unlawfully assigned debt under both Florida and federal law. I request immediate deletion and written confirmation of correction within the 30-day FCRA investigation window.

Company response to consumer: Closed with explanation