Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I am filing a formal complaint regarding an inaccurate and fraudulent account reported to the credit bureaus by National Credit Systems on behalf of XXXX XXXX XXXX XXXX XXXX, XXXX, doing business as The XXXX ( reported as XXXX  XXXX / XXXX ). The account falsely reflects a collection balance of {$11000.00}, which is inaccurate, misleading, and unverifiable. Below, I provide a detailed factual basis for my dispute to assist in your investigation. Factual Basis for Dispute : XXXX. Incorrect Move-Out and " Abandonment '' Claim My husband, XXXX XXXX XXXX and I moved into XXXX XXXX XXXX on XX/XX/XXXX. Due to an urgent family medical emergency overseas, we vacated the unit on XX/XX/XXXX. Prior to vacating, we informed the leasing office staff of our situation. The staff instructed us to remove all valuables, leave the keys on the kitchen counter, and assured us that our deposit would cover any associated fees, with any remaining balance refunded. On XX/XX/XXXX, we complied, vacating the unit and leaving the keys as instructed. A XXXX  notification ( a mobile application monitoring lock activity ) confirmed that The XXXXXXXX XXXX maintenance team entered the unit on XX/XX/XXXX, indicating the property was repossessed that day. Despite this, The XXXX falsely reported to collections that we " abandoned '' the unit on XX/XX/XXXX, XXXXover a month later and applied unwarranted abandonment-related charges. XXXX. Rent Was Current at Move Out At the time of move-out on XX/XX/XXXX, all rent payments were current, with no outstanding balance, as evidenced by the account statement provided by The XXXX. Consequently, there was no basis for eviction, attorney fees, or any significant outstanding balance. XXXX. False and Inflated Charges The reported {$11000.00} debt consists of fabricated and improper charges, including : Carpet Replacement / Pet Damage : During the move-in inspection on XX/XX/XXXX, the carpets already had visible burn marks and stains. We requested replacement, but management declined, citing the high cost for a non-renovated unit. No pets caused damage during our tenancy. After repossession, The XXXX renovated the unit, replacing carpets with hardwood floors and installing new appliances and fixtures. These upgrades were not related to tenant damage, and charging us for renovations is fraudulent. Early Lease Termination Fee & Lease Break Penalties : Leasing staff assured us that our deposit would cover fees due to the documented emergency. Despite this, The XXXX charged a full lease buyout of {$3300.00} + {$3300.00} + {$500.00}, even though the unit was repossessed and re-rented. These charges constitute double penalization and are unenforceable. Attorney Fees/ Eviction Fees : A {$200.00} " eviction filing '' fee was added on XX/XX/XXXX, despite our move-out on XX/XX/XXXX, and the unit 's repossession on XX/XX/XXXX. No eviction hearing, lockout, or active tenancy existed at the time of this charge. Cleaning & Pet Seal Fees : Charges of {$180.00} for " heavy cleaning '' and {$150.00} for " pet seal '' are fabricated. The unit was left in clean condition. Concession Chargeback : A {$750.00} chargeback was applied for concessions granted at move-in, which should not have been reversed. These charges are false, inflated, and appear designed to fabricate a debt. XXXX. Misrepresentation by Leasing Staff Leasing staff explicitly instructed us to leave the keys and assured us that the deposit would cover any costs due to our emergency. Contrary to this, The XXXX treated the unit as " abandoned, '' applied fabricated charges, and promptly forwarded the account to collections. XXXX. Impact of False Collection The inaccurate tradeline has caused significant harm : I was denied housing at XXXX apartment communities. I incurred over {$1200.00} in lost application fees. I was forced to reside in motels/hotels, costing $ XXXX {$3000.00} per month. I suffered employment loss due to housing instability and the emotional distress caused by this false reporting. XXXX. Legal Basis Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), furnishers are required to remove inaccurate, unverifiable, or misleading information. This account is : Inaccurate : False move-out date, fabricated charges, and erroneous eviction claim. Unverifiable : Charges are based on renovations and fabricated fees without supporting evidence. Misleading : Reported as an eviction/collection despite current rent and voluntary surrender of the unit.

Company response to consumer: Closed with explanation