Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
I am submitting this complaint to request the removal of a lease-related personal debt of {$7100.00} that is currently reported to the credit bureaus. This balance originates from a disputed early lease termination with XXXX XXXX XXXX XXXX, where I experienced ongoing miscommunication, harassment, and misrepresentation by their legal and property management team. 
In XX/XX/year>, after missing my first rent payment because I fell ill, I was added to a writ of restitution list without notification from XXXX XXXX XXXX or any knowledge of such list until XXXX. I resolved the issue by the deadline in XX/XX/year> and was assured that the eviction process had been halted and nothing was filed. During the time of me getting my finances together and paying for the debt with the apartment. I attempted XXXX  XXXX  for the first time, which I discovered through my own research as XXXX XXXX XXXX had not informed me of its availability despite other residents using the resource. When I got to court, I informed them that I had applied once I realized I was falling short. At the court date, I was told it was known that the rental assistance aid was taking a long time with everyones cases. The lawyer also proceeded to tell me that they would not wait for approval or not from the rental assistance and I must have the balance paid or the sheriffs would be there promptly the next day after my due date. I never registered at the time this process was being handled the way it was because I was on a writ of restitution list, though I never heard of it at that point. 
In XXXX, I lost my job and could not pay XXXX rent. I received a notice regarding my late payment on my door in XXXX once I missed the payment. I consulted with a friend, several lawyers, and it was suggested that I check to see if I was on the writ of restitution list. Once I contacted the XXXX XXXX that I had dealt with in XXXX, I discovered that I was indeed on the writ of restitution list. This prompted me to quickly form an exit plan since the court indicated that sheriffs could arrive soon to remove my belongings and had the right to do so with no warning or allowing me time to plan to gather my things properly. This all springing on me so fast caused me XXXX, led me to XXXX, losing my car not even XXXX weeks later, and falling tremendously behind on bills. 
I discussed the situation with XXXX XXXX, the property manager, and we agreed that I would vacate the premises without any penalties aside from the unpaid rent for XXXX and the associated late fee. Despite XXXX XXXX 's assurance that I was not on the writ of restitution list and that there would be no eviction charges or credit penalties, I was told otherwise. 
After losing my job in XXXX, I reapplied for rental assistance through Government aid, due to delays in processing this assistance and the persistent passive-aggressive behavior from the staff, I continued to seek guidance from lawyers and the XXXX XXXX XXXX XXXX 
I was repeatedly informed that I was on the writ of restitution list since XXXX, despite fulfilling my payment obligations by the deadline. When I raised this with XXXX XXXX, he denied the existence of such a list but eventually instructed me to move out in XX/XX/year> to avoid further penalties. Upon further investigation with the XXXX XXXX XXXX, I was unequivocally told that I remained on the writ of restitution list. Consequently, I pursued early termination to pre-empt any legal enforcement actions. 
Despite assurances from XXXX XXXX, I found that I had been processed and submitted to collections shortly after vacating the property. 
On XX/XX/year>, I was instructed to vacate by XX/XX/XXXX. I complied. At no point after moving out was I given instructions on how to pay the remaining balance for XXXX 's rent, just that I would receive it in the mail. It was not mentioned that the situation would be referred to collections or that there was a continuing risk. The property kept the writ of restitution open and referred the entire balance to collections on XX/XX/year>. 
False statements were included in my final charges, including a claim that I " skipped without notice, '' and I was charged for painting I was told would be handled for free. These charges collectively reflect miscommunication, coercion, broken verbal agreements, and retaliatory reporting.

Company response to consumer: Closed with explanation