Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing a collection that has been reported on my account related to a lease for Apartment XXXX at XXXX XXXX, XXXX XXXX XXXX, XXXX, TX. I vacated the apartment due to persistent XXXX mold that posed serious health risks. Management failed to properly address the issue, forcing me to move and incur expenses. The collection being pursued is unfair and should be removed. 

Details of What Happened : Timeline and Actions : XX/XX/year>2024 : I submitted my first service request reporting mold in the ceiling and walls, likely caused by water leakage from the HVAC system. I requested inspection and repair. 

XX/XX/year>2024 : I followed up with detailed locations of mold ( kitchen, washer/dryer room, HVAC ventilation room ), noting health concerns and requesting immediate professional remediation. Maintenance scheduled an inspection for the following day. 

XX/XX/scrub> 2024 : After repairs began, water leaked from opened walls, and XXXX mold remained. Management failed to provide timely information about temporary relocation or hotel accommodations. I explicitly stated that returning to the unit while mold was present would be a serious health risk. I also filed an insurance claim due to damages caused by the mold. 

XX/XX/year>2024 : I submitted formal notice of lease termination due to health and safety concerns. I requested lease termination without penalty and reimbursement for approximately 2.5 weeks during which the apartment was uninhabitable. I described ongoing symptoms, including XXXX, XXXX, and XXXX XXXX 

XX/XX/year>2024 : I vacated the apartment, returned keys, and hired a third-party cleaning service to ensure the unit was safe. 

Management Failures : Delayed and inadequate mold remediation. 

Failure to provide temporary accommodations or clear communication. 

Attempted to impose lease penalties despite unsafe and uninhabitable conditions. 

Legal Reference : Under Texas Property Code 92.052, landlords must make diligent efforts to repair conditions materially affecting a tenants health or safety. When a landlord fails to remedy such a condition after notice, tenants are not responsible for continued rent and may terminate the lease. The apartment was uninhabitable, and the landlord failed to comply with these legal requirements.

Request for Documentation : I request that the company and/or debt collector provide : Inspection reports and maintenance logs related to the mold.

Records of repair and remediation efforts. 

Itemized charges being pursued. 

Documentation regarding lease termination and accommodations provided. 

What I Am Requesting : Removal of the collection account from my credit report, as the charges are based on unfair circumstances. 

Acknowledgment that the lease was terminated legally due to unsafe living conditions. 

Confirmation that any reimbursement or credits due to me have been processed correctly. 

Additional Notes : All communications, service requests, and follow-ups are documented via emails ( XXXX XXXX XXXX, 2024 ). The unit remained unsafe for my health and well-being throughout the period.

Company response to consumer: Closed with explanation