Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
This is a formal consumer complaint against National Credit Systems , Inc. ( NCS ) for severe, systemic violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, and the Maryland Consumer Debt Collection Act ( MCDCA ). NCS is actively credit reporting and attempting to collect an inflated, unverified balance of over {$17000.00} against my consumer profile. Following a formal validation request, NCS provided me with a copy of the underlying Apartment Lease Contract and a Move-Out Disposition ledger. A review of the debt collector 's own documentation conclusively exposes statutory violations : COLLECTION ON AN EXPIRED CONTRACT : The executed lease agreement provided by NCS explicitly dictates a fixed term that terminated on XX/XX/XXXX. NCS possesses no executed lease renewals or extensions authorizing collection actions past that date. Yet, their collection ledger attempts to charge for contract rent and utilities deep into XXXX and XXXX of XXXXan entire year after the contractual agreement legally died. Attempting to enforce contract terms past expiration violates 15 U.S.C. 1692e ( 2 ) ( A ). DECEPTIVE ACCOUNTING BLACKOUT : The ledger provided by NCS features a complete 14-month accounting blackout spanning from XX/XX/XXXX through XX/XX/XXXX, completely masking the baseline transaction history of the active lease. Instead, they inserted a bulk, unitemized {$4100.00} " Balance Brought Fwd '' charge, violating the core transparency mandates established in XXXX XXXX XXXX Law Firm, P.C., 383 F.3d 562. FRAUDULENT POST-VACANCY CHARGES : The NCS ledger assesses a {$150.00} Month-to-Month penalty and a {$1500.00} rent charge for XX/XX/XXXX. However, the official Move-Out Disposition explicitly certifies a physical move-out date of XX/XX/XXXX, and marks " Lease Term Completed : Yes. '' Demanding post-vacancy rent and penalties for a time period where the consumer did not hold a lease or possess the property violates Md. Code Ann., Com. Law 14-202 ( 8 ). EXPIRED STATUTE OF LIMITATIONS : The underlying contract provided by NCS was executed on XX/XX/XXXX, and terminated on XX/XX/XXXX. Under Maryland Courts and Judicial Proceedings Code 5-101, the strict statute of limitations for breach of contract and debt collection is three ( 3 ) years. Because the contractual relationship terminated in XX/XX/XXXX and we are currently in XX/XX/XXXX, any alleged claims are entirely time-barred by law. Threatening credit reporting and attempting collection on an legally unenforceable debt constitutes an actionable false representation. This fraudulent debt collection activity has caused ongoing credit suppression and auto-lending denials. A formal settlement and litigation notice has been served to the agency. I demand that National Credit Systems immediately cease all collection activities and issue an immediate electronic directive to XXXX, XXXX, and XXXX to completely delete this trade line from my credit history.

Company response to consumer: Closed with explanation