Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: AR

Complaint narrative:
I am filing a new complaint because the companys previous response did not address the issues, did not validate the debt, and did not provide the documentation required under the FCRA and FDCPA. The prior complaint was closed without resolving the dispute. 1. This is a Student Housing Lease, and the property was previously operated through the university. The lease provided to me is literally titled Student Housing Lease Contract and contains multiple references to enrollment, university placement, and studenthousing policies.In the previous academic year, this same property was operated through the universitys housing system. Because of this, and because the property continues to be marketed as student housing and is located directly adjacent to campus, I reasonably believed it was still connected to the university. 2. I initially paid rent, then contacted the university when I realized I had been placed in alternate housing. I was aware rent was due and paid the first installment. After discussing it with my family, we questioned why we were paying outofpocket if the property was student housing. I contacted the university, and they confirmed I had been placed in alternate housing.Based on that information, I did not take possession of the unit. 3. I never took possession, and the property did not fulfill its own lease obligations. The lease states that the property must : Notify me of my bedroom assignment Provide access devices ( keys ) Provide movein instructions Provide an Inventory & Condition form at moveinI received none of these.I never received keys, never received a bedroom assignment, never received movein instructions, and never received any notice that I was considered a noshow. 4. The company still has not validated the debt. The only documents provided were the lease and a relet fee sheet. These do not validate the debt.They did NOT provide : A ledger A breakdown of the charges Proof of possession availability Proof of movein notice Proof of key issuance Proof of noshow classification A rerental date Evidence of mitigation of damagesWithout these documents, the debt is unverified. 5. The relet fee is unsupported. The property claims a relet fee, but provided no documentation showing : When the unit was rerented Whether damages were mitigated How the fee was calculatedA fee sheet alone is not validation. 6. The companys previous response was incomplete and did not address the issues. The company simply restated its position without providing any documentation required for validation.The CFPB closed the complaint based solely on the companys statement, not on evidence. The dispute remains unresolved. 7. Requested CFPB Action : I am requesting that the CFPB require the collector and furnisher to provide : A full ledger Proof of possession availability Proof of movein notice Proof of rerental A breakdown of the relet fee Copies of all notices sent if they can not provide this documentation, the account must be deleted from all credit bureaus as unverified, per FCRA requirements.This is a new complaint based on new information, including the lease and the companys failure to validate the debt.

Company response to consumer: Closed with explanation