Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
I made an initial complaint about National Credit Systems , Inc trying to collect a debt of almost XXXX dollars from me that I DO NOT OWE THEM. In the company response they stated they are a third-party debt collection agency that is collecting a debt on behalf of XXXXXXXX XXXX XXXX XXXX This was a lie, because tanager springs is the name of the apartment complex, it is not the name of the owners of the company who hired National Credit Systems to attempt to collect this debt from me. The name of the company who owns the property tanager springs, is XXXX XXXX. National Credit Systems is a third party company collecting on a debt for triump residential. They also stated that they charges they claim I owe were not assessed by them. These charges were assessed by triumph residential! In their response they also stated, The original creditor contends that the debt is in fact owed and has provided documentation supporting the charges they assessed. In the documentation, National Credit Systems provided, which I am re providing, with some highlights. I want to point out some of the issues I have with National Credit Systems saying the documentation trump residential provided supports the charges assed are mines. National Credit Systems attached a lease agreement and move out statement. In the lease agreement National Credit Systems provided as proof, it is dated from the year of XXXX to XXXX. The lease agreement they provided was signed between me and a company named XXXX XXXX THE Company I originally signed that lease with, Which I highlighted in the pictures I re provided. How can National Credit Systems state this documentation is valid when they were not hired by XXXX XXXX How can XXXX XXXX PROVIDE A LEASE AGREEMENT THAT WAS SIGNED BETWEEN I AND XXXX XXXX  AS PROOF IM OBLIGATED TO THESE CHARGES? XXXX XXXX AND XXXX XXXX ARE TO DIFFERENT companies AND DO NOT WORK TOGETHER AT ALL! If I moved out of in XXXX, why is there not a lease agreement signed between me and triumph residential ( the original creditors who hired National Credit Systems )? please provide me with a lease agreement that was signed between me and triumph residential ( the original creditors that hired National Credit Systems to collect on this debt ) that states I am obligated to these charges assessed? TRIUMPh residential and I have never signed any lease or contract that obligates me to these charges.National Credit Systems also placed this debt on XXXX XXXX CONSUMER REPORTING ACCOUNT, XXXX XXXX did not reside with me on the quote on quote move out date. What they are doing is illegal, they did not do their du diligence and speak to XXXX XXXX  because XXXX XXXX  has know that XXXX XXXX did not live on the premises with me! yet, reported to National Credit Systems that the debt is joint between me and XXXX XXXX. Tell the original creditors to provide you with the documentation that XXXX XXXX signed when she moved out of that unit! The lease agreement also shows I had a deposit of XXXX, however the move out statement that National Credit Systems has provided to proof I owe this debt shows I had a deposit of XXXX, what happened to the other 35 that I was supposed to have down as a security deposit? Please provide me with a security deposit amount that I and XXXX XXXX AGREED ON. In the move out statement provided by National Credit Systems there is no name of the original creditor who assed the charges. a statement of charges does not provide proof that I signed and agreed to pay triumph residential any debts. National Credit Systems knows they need to provide wet signature 's as proof of any signature between me and an original creditor. They is no signature on the statement of charges between me or the original CREDITORS, how can this debt be accurate? as I stated in my original complaint this debt is not accurate, if it were accurate, in the proof National Credit Systems submitted, the security deposit on the voided lease between me and XXXXXXXX XXXX  would match the amount on the move out statement. National Credit Systems is defamating my character at this point and are reporting inaccurate information to the three main credit reporting agencies. I am being denied loans and housing based on lies National Credit Systems is reporting to the three main credit BUREAUS. In the proof National Credit Systems attached it states I was charged XXXX for carpet replacement, however in the same proof they attached, The beginning of the lease started in XXXX the quote on quote move out day was in XXXX, that is a total of 6 years. If any of this information is true that would mean what I would have lived on the premises for 6 years and some months, In California after 5 years of living on a property, the tenant is no longer responsible for carpet repairs it is the owners responsibility as it is wear and tear! please provide recipes that shows the carpet was deemed replaced prior to me moving in within the last 5 years? please provide proof that I am the person who did any damage to this unit, not a lease dated back in XXXX with I and another company, and not a move out statement that shows charges anyone could made up! XXXX SHOULD NOT BE TRYING TO COLLECT ON ME WITH THIS AS PROOF! I

Company response to consumer: Closed with explanation