Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, We are submitting this formal complaint regarding the actions of National Credit Systems , Inc., which has falsely reported a nonexistent and entirely unsubstantiated debt to all major credit bureaus. This has caused significant harm to our financial integrity, credit reputation, and personal dignity. 
The alleged debt originates from our former residence at XXXX XXXX by the XXXX XXXX in Florida, where we fulfilled all obligations under our lease agreement. The property management falsely claims we failed to provide timely notice before vacating the apartment and therefore attempts to impose a so-called " insufficient notice '' in the amount of one month 's rent, which is {$1700.00}. Although the management company initially tried to collect {$350.00} from us, hoping to collect our security deposit of {$1400.00}. 
This is categorically false. Even XXXX XXXX, the company holding our {$1400.00} security deposit, refused to pay the claim, clearly recognizing that the landlords position lacks merit or legal basis. We sent our explanations to the insurance company immediately after moving out of the apartment - back in XX/XX/XXXX. Nevertheless, the management company, knowing full well about our two notices to move out, demonstratively ignores them.

We provided two separate written notices in full accordance with both our lease and Florida law : 1. Notice of Non-Renewal of Lease submitted on XX/XX/XXXX ; XXXX. Notice to Vacate submitted on XX/XX/XXXX. 
Both notices were submitted well in advance, documented, and confirmed received. We have written proof and even photographic evidence from the property managements own system confirming receipt of our notices. No rent was unpaid, and no other lease terms were violated. 
Despite this, in XX/XX/XXXX, National Credit Systems , Inc. proceeded to open a collection case against us without verifying the legitimacy of the claim, based solely on the landlords unsupported accusations. This clearly violates our rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and potentially the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

We are in possession of : Copies of both dated notices ; A photograph of the property managers computer screen, showing that the second notice is registered in their internal system ; the landlord has video recordings of the history of our communications with the office, and these recordings can confirm that there were no official written changes or cancellations on our part.

Despite having no admissible or lawful evidence, the landlord referred the claim to National Credit Systems , Inc., which failed to verify any facts and blindly initiated collection based solely on unproven accusations.

To make matters worse, this agency : Reported the false debt to all major credit bureaus, Significantly damaged our excellent credit score ( previously above XXXX ), Issued threats of further action, despite having received multiple written explanations and supporting documentation from us. 
We consider these actions a direct violation of : The Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) for attempting to collect a debt that is not owed and failing to investigate or validate the claim ; The Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) for furnishing false information to credit reporting agencies and causing measurable financial harm.

This is more than a technical violation it is a gross abuse of process and a shocking demonstration of how a landlord, with no burden of proof, can inflict lasting financial and reputational damage on a tenant.

We respectfully request that the CFPB intervene by : Conducting a full investigation into the practices of National Credit Systems , Inc. in this matter ; Requiring them to formally retract all related entries from every credit reporting agency ; Ensuring the case is permanently closed, and all collection activities cease immediately.

We are responsible tenants with an unblemished rental and credit history. The entire claim appears to be based on retaliation and personal bias by the property manager. This fabricated claim has not only affected our financial standing but has caused emotional stress and reputational harm. We trust in the CFPBs commitment to consumer protection and fairness.

This is a gross abuse of power and sets a dangerous precedent : if allowed, it would mean any landlord could arbitrarily assign imaginary penalties and irreparably harm a tenants financial standing.

We believe this situation constitutes a cruel violation of our rights and represents reckless, unjust, and discriminatory conduct by both the landlord and National Credit Systems. We have made multiple attempts to clarify the matter with the agency, but they have continued their collection efforts in bad faith and without verifying the authority of the debt. We spoke on the phone several times with the claimant 's representative, XXXX XXXX. Her phone number is XXXX. All she told us was that she couldn't do anything because the management company had an account with their organization and we had to pay. She didn't want to hear anything about the debt being illegal. We didn't have a single chance to defend ourselves. It's absolutely incomprehensible - how can they violate human rights so blatantly! 
Thank you for your attention to this matter and your help in restoring justice. 
Sincerely, XXXX XXXX ________________________________________ Attachments : Lease Agreement ( clearly stating the two required written notices ) Notice of Non-Renewal ( XX/XX/XXXX ) Notice to Vacate ( XX/XX/XXXX ) Photo of management system screen showing second notice

Company response to consumer: Closed with explanation