Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have had an issue with an apartment that I leased in XXXX of last year that was supposed to be an ultra luxury high rise that was charging {$6500.00} per month and from the time I moved into the building it was XXXX nightmare after another. My car was hit in the buildings guest parking lot after i had already signed a lease and moved into the building the building did not have enough parking transponders to give access to resident parking garage so I was forced to park in guest parking and a door dash driver side swiped my car and took off without stopping. The police were called and an incident report was filed and the building knew exactly who the door dash was going to and refused to contact the resident or help in anyway to get my car repaired. the building was constantly left dirty, disgusting and unsanitary with dog XXXX in the apartment hallways, the entrance to the building and elevators ( submitted photos ). 
The XXXX and heat was not working properly for months and the building dragged their feet to fix the unit. we went without XXXX and heat for weeks at a time. ( photos submitted of work orders and thermostat in XXXX XXXX dates ). 
The mailroom was never secure and packages being delivered were constantly being stolen. And management refused to fix the issue. 
Homeless people were allowed to enter the property and access the pool area and bath and walk around XXXX in the jacuzzi and pool. The property lacked any form of consistent security. Strangers routinely accessed building, into the elevators and resident hallways and common areas. 
There was a private beach club attached to the property and parties with drunk people screaming into late hours of the night, wondering around the property, throwing up and destroying the pool chairs, gates etc. 
There was a murder in XXXX of the apartments that the management tried to hush from the other residents ( photo from letter of management included ). 
This was the final straw, we didn't feel safe living there and all attempts to contact the management were ignored. Copies of mails were provided showing my correspondence and even a 30 day notice to evacuate the apartment all of which were sent certified return receipt and copies of which were sent to collection agency. 
The apartment complex has made a breach of contract and habitability laws and there fore the lease agreement was rendered null and void. 
I specifically stated to the collection agency if they wanted a letter from my attorney I would provide stating the breach. 
I was a very good tenant, never late with the rent, never any problems or issues with me as a tenant and I should be afforded the same from the building. 
Below is a copy of the letter sent to the collection agency which responded that they had not received sufficient information. I sent them the letter as well as all the emails sent to the building management, the photos of the damage done to both my cars, photos of dog XXXX in the hallways, blood in the elevators, photos of the club downstairs with a timestamp with people screaming at XXXX AM ( XXXX is supposed to be closed by XXXX ). 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Debt Related to Lease at Icon XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX To Whom It May Concern, We are writing to formally dispute the validity of the debt your office claims is owed in connection with our former lease at Icon XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. This letter is accompanied by photographic evidence and written documentation that substantiate our early termination of the lease due to multiple severe and unresolved habitability and safety issues. 



When we entered into the lease, the apartment was marketed as a luxury residence with secure access, quality amenities, and a peaceful environment. Instead, from the very beginning of our tenancy, we encountered serious conditions that made the apartment unlivable and fundamentally misrepresented : The air conditioning and heating systems were never fully operational throughout our stay. 

XXXX frequently defecated in hallways and public entrances, and the situation was never addressed by management. 

Homeless individuals accessed the property regularly, including bathing XXXX in the hot tub. 

The atmosphere was hostile and disruptive, with loud music, drunken fighting, and shouting often continuing past midnight from the on-site club. 

Due to leasing office failures, we were never provided building parking FOBs, resulting in our vehicles being forced into the unsecured visitor lot. Both vehicles sustained damage from hit-and-run incidents involving other tenants and delivery drivers. 

The property lacked any form of consistent security. Strangers routinely accessed pool areas and buildings without oversight. 

Mailroom security was nonexistent ; packages were routinely stolen because all residents had unrestricted access with no accountability. 

A tragic death occurred in a unit within the building during our tenancy. Management failed to notify residents or take any action to ensure community safety or transparency following the event. This incident was the final catalyst in our decision to vacate. 



We provided formal written notice and vacated the premises on XX/XX/year>, after serving a XXXX notice while remaining current on all rent obligations. Despite multiple attempts to contact building management and submit complaintssent via verified mail on XXXX separate occasionsno corrective action was ever taken. 



Given the above, we assert that our lease termination was lawful and necessary. We are requesting that you cease any further collection activity on this matter and remove this alleged debt from any credit reporting, if applicable. Please also confirm receipt of this dispute and the supporting documentation. If you believe the debt remains valid, you are required under the Fair Debt Collection Practices Act ( FDCPA ) to provide verification and documentation supporting your claim. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation