Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Resolutions, LLC
State: CT

Complaint narrative:
Statement of Facts and Request for Resolution Lease Agreement : I entered into a lease agreement with XXXX XXXX XXXX, XXXX, for a term spanning XX/XX/XXXX, through XX/XX/XXXX. 
Early Termination Notice : In XX/XX/XXXX, I notified the landlord of my intent to vacate due to : a. Gaining custody of my XXXX-year-old nephew due to documented abuse and neglect ; and b. My daughter 's worsening XXXX, with suspected mold in the apartment. Hospital records from this period substantiate this claim. 
Lease Terms : The lease lacked provisions addressing early termination but required 60 days ' notice before lease expiration. 
Landlord 's Representations : Upon informing the landlord, I was assured they would market the unit due to high demand for two-bedroom apartments. I provided referrals of two qualified prospective tenants, both of whom were quoted rent significantly above market rates, rendering the offers unreasonable. 
Failure to Mitigate : Landlords are statutorily obligated to make reasonable efforts to re-lease a unit under Connecticut General Statutes Title 47a. Despite this, the unit remained unrented for months, was not listed on the landlord 's website, and appeared intermittently occupied. 
Security Deposit Noncompliance : The landlord failed to provide the required security deposit disclosures per Connecticut General Statute Sec. 47a-21 ( d ) ( 4 ), and their lease improperly limited tenant rights to such information. 
Collection Agency Conduct : After vacating, the landlord imposed various fees and collection costs and transferred the debt to a collection agency. The agency engaged in : a. Harassment and threats of negative credit reporting, violating the Fair Debt Collection Practices Act ( FDCPA ) ; b. Deceptive tactics to coerce payments, including false representations regarding legal counsel and creditor decisions ; and c. Refusal to provide documentation of the landlord 's efforts to re-lease the apartment or validation of the debt amount. 
Bankruptcy Filing : Upon consultation with my bankruptcy attorney, it was noted that : a. Under Connecticut law, I may have been entitled to early termination without penalty due to domestic violence-related custody ; b. The landlord failed to investigate or remedy potential mold, disregarding my daughter 's health concerns ; and c. The landlord likely did not meet their duty to mitigate damages as required. 
Payments Made : I have paid over {$6000.00} toward this debt, equating to more than 50 % of the alleged balance, largely under duress due to employment-related concerns stemming from potential credit damage. 
Request for Relief : Given the landlord 's failure to comply with Connecticut landlord-tenant statutes, the abusive collection practices, and the questionable validity of the debt, I request the following : Immediate removal of the negative credit reporting associated with this debt ; or The debt be considered paid in full, with no further obligation for payment.

Company response to consumer: Closed with explanation