Consumer complaint received 2025-12-01 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: NV

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because my former apartment management company has reported a series of charges to my credit that I believe are inaccurate, excessive, and unfair. Especially considering that I was directly impacted by XXXX at the time. These charges have continued to appear on my credit reports and have prevented me from securing housing, despite my eviction being legally sealed. I am requesting a full investigation into the charges, the companys reporting practices, and their handling of my account. 



Background I resided at an apartment community managed by the company in question. Due to significant hardship related to XXXX, including income instability, I fell behind on my rent and was eventually evicted. The eviction has since been sealed, yet the management company continues to report a large debt to credit bureaus. These continued reports have harmed my ability to rent safe and stable housing. 

On XX/XX/XXXX, the company posted numerous charges to my account, many of which I believe to be inaccurate, inflated, or unsupported. I dispute the amounts, the validity of the charges, and the companys continued reporting after the eviction was sealed. 



Timeline and Details of Disputed Charges Beginning Balance Balance as of XX/XX/XXXX : {$8800.00} XX/XX/XXXX Water and Sewer Charges ( XX/XX/XXXX XX/XX/XXXX ) : {$40.00} Posted despite my household already experiencing financial hardship due to XXXX. 
Nv XXXX terminated XX/XX/XXXX due to defaulted pay arrangement. 

XX/XX/XXXX Multiple Charges Posted in XXXX Day The company added numerous charges without adequate documentation or communication : Rent ( XX/XX/XXXX ) 2 days : {$120.00} XXXX XXXX 2 days : {$6.00} Community Fee 2 days : {$1.00} Damage-Related Charges : Carpet shampoo, scrub, stain removal, repair of small burns, deodorize : {$250.00} Heavy cleaning charge : {$200.00} Trash-out ( items left in unit, bags, XXXX XXXX, garage XXXX ) : {$300.00} Mailbox keys not returned : {$60.00} Gate fob not returned : {$50.00} Amenity pass not returned : {$100.00} These charges were posted simultaneously and without any photographic proof, inspection forms, walkthrough documentation, or opportunity for me to dispute or clarify items. I was well out of the state by that time and all of the keys/fobs were returned. Many charges appear inflated or duplicate. 

XX/XX/XXXX Early Termination Fee : {$3500.00} This large fee was posted as a custom task after my XXXX hardship and evictionwithout any assessment of my federally protected circumstances under COVID-related housing guidance. 
Final Water and Sewer Charges ( XX/XX/XXXX XX/XX/XXXX ) : {$75.00} XXXX discovered after eviction : {$400.00} This charge was added after I vacated and after eviction proceedings. I was never contacted, notified, or given proof. They were aware of my ESA before I signed the lease. It appears retaliatory and unsupported. 



Total Resulting Balance Reported : {$13000.00} These charges appear excessive and disproportionate, and I believe they were used to inflate the balance being reported to credit bureaus. 



Issues and Harm Caused XXXX Credit Reporting of a Sealed Eviction : Even though my eviction is legally sealed, the debt associated with the sealed case continues to appear on my credit, effectively serving as a backdoor method of reporting the eviction. 
XXXX. Violation of XXXX Hardship Protections : During this time, I experienced significant XXXX hardship. I attempted to work with the property but was met with fees, lack of communication, and no consideration of federal/state XXXX guidelines that urged landlords to work with affected tenants. 
XXXX. Excessive and Unsupported Charges : Many charges appear inflated, unverified, or unreasonable. No documentation was provided. 
XXXX. Continued Damage to My XXXX Opportunities : These entries have prevented me from securing rental housing repeatedly. I have been denied multiple times due to this reporting. 
XXXX. Failure to Provide Proper Validation : I was not given an itemized explanation, photographs, invoices, or other proof to substantiate the charges. 



Requested XXXX I respectfully request the CFPB to : Investigate the accuracy and validity of all charges posted on XXXX. 
Ensure the company provides full documentation and proof for each charge. 
Review whether the company violated credit reporting obligations, especially given the sealed eviction. 
Require correction or removal of improperly reported information from all credit bureaus. 
Determine whether the early termination fees, damage charges, and pet discovered charges were applied in bad faith or without legal basis. 
Require the management company to cease reporting misleading or harmful information relating to a sealed case. 



Conclusion These charges and the continued credit reporting have caused significant financial and personal harm. I am asking for the CFPBs assistance in correcting these issues, ensuring proper documentation, and preventing further damage to my credit and ability to obtain safe housing. I am willing to provide any additional documentation or statements if needed. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation