Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint regarding a dispute with my previous landlord, Villas at XXXX, which was originally known as XXXX at XXXX. 
I believe that my rights have been violated in connection with a debt collection attempt made by this landlord. To provide you with some background, I rented an apartment from XXXX XXXX at XXXX at XXXX for a one-year lease. The lease term ended XXXX, I did not extend my lease and appropriately vacated the apartment. The decision to break the lease was influenced by a serious incident involving a shooting within the complex during the XXXX period, which made it untenable for me to continue residing there. I was then given an eviction order to pay {$2500.00} or quit the lease. I choose to quit the lease. Leaving XXXX at XXXX for good. Despite fulfilling my lease obligations and leaving the premises in accordance with the lease agreement, I am now being pursued for a debt of {$28000.00} by XXXX at XXXX. This amount is clearly incorrect and unjustified, as I did not extend the lease beyond the original term and adhered to all the necessary procedures when vacating the apartment. I am concerned that XXXX at XXXX actions XXXX constitute a violation of the Fair Credit Reporting Act, which governs accurate and fair debt collection practices. The FCRA ensures that consumers are not subjected to inaccurate or unfair reporting of debt. In this case, the amount claimed is not only incorrect but also reflects a misunderstanding or misrepresentation of my obligations. The continued attempt to collect this incorrect debt is causing severe disruptions in my ability to find suitable housing. Prospective landlords and property management companies are viewing this disputed debt as a red flag on my credit report, which is preventing me from qualifying for new rental opportunities. 
I am concerned that XXXX at XXXX 's actions constitute a violation of my rights and may be a result of improper or illegal debt collection practices. I respectfully request that the CFPB investigate this matter and take appropriate action to address this issue. Additionally, I would appreciate guidance on how to protect my rights and resolve this dispute with the landlord.Please let me know if you require any further information or documentation to support my complaint. I am eager to resolve this issue as soon as possible and ensure that my rights are upheld. 

Background and Lease Details : You rented from XXXX, ended the lease on XX/XX/XXXX, and vacated due to safety concerns. 
Eviction Notice : You received a notice demanding {$2500.00} or to vacate, and you chose to vacate the property. 
Unjust Debt Collection : Despite fulfilling your obligations, you are now being pursued for an incorrect debt of {$28000.00}. 
FCRA Violation : You believe this situation may violate the Fair Credit Reporting Act ( FCRA ) and is negatively impacting your credit report and ability to find new housing. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation