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I broke a lease in August 2013, and was informed by the office staff that I would have to pay a concession fee of around $1200, but I never heard any more about it. I recently pulled my credit report and found that this account was assigned to a CA. I sent a validation letter to the CA, and they sent me two pieces of paper, the final page of my lease, showing my signature, and a move out form, which was not done in my presents, that listed a cleaning fee of around $150, and Damages at around $500, along with numerous other fees. The apartment was clean and there wasn't any damage to the property. I had lived in this apartment for four years, and moved for school after receiving a last minute acceptance letter. How do I proceed from this point? I attempted to get an apartment in another city, and was denied, obviously this was the cause.
Okay, in 2010 I left an apartment and the apartment complex alleged that I had $300 worth of damages. Before I could pay the amount in full it was placed with a collection agency- National Credit Systems. I made automatic draft payment arrangement with them and I believe that the full amount was satisfied. Years later I noticed an entry on my credit report for a balance of $160. I disputed but it came back verified. I don't then nor now believe that this money is owed. I contacted the original creditor and they sent me something in writing as well as left a voicemail saying that this debt was paid in full. I then sent this info to the credit bureau and disputed the entry. AGAIN, it came back "verified". I contacted the original creditor and they contacted National Credit Systems. The collection agency is telling them that I still owe a balance per their records. The original creditor said they are going to re-review their records on Monday (today is Friday). I'm so frustrated. I don't care about the dang money. I just want this off of my credit report. National Credit Systems claims that they "don't do" credit report deletions at all. What can I do? I'm tempted to take this matter to small claims court although I'm not entirely sure I could prevail. Any ideas??? I really need a deletion.
Here's my situation. I have a Florida CA reporting negatively on my Credit Report since 6/2008. On the actual TL, it says the Creditor Name is: COLLECTIONS. Next it says the Original Creditor is: COLLECTIONS Here's what it looks like: Collection Accounts: Accounts seriously past due Creditor Name: COLLECTION Account NO.: 158**** Original Creditor: COLLECTION Responsibility: Joint Condition: Derogatory Original Balance: $1565 Balance: $1565 Date Opened: 06/12/2008 Date Reported: 12/23/2012 Remarks: Account information disputed by consumer, meets FCRA requirements Elsewhere on my Credit Report it lists contact information for a creditor called: NCC Business Services (FL) From a Credit Report I pulled a few years ago, I know the name of the OC is - Waters Edge Apartments. The CA is and was - NCC Business Services. It's weird that the OC has been removed from my credit report entirely. They aren't listed anywhere whatsoever. But now called: COLLECTIONS. What I'm wondering is - is this a violation of the FDCPA and / or FCRA because it's confusing and misleading. This debt stems from a misunderstanding when I vacated an apartment. I gave proper notice to a woman who either quit or was fired the following week. Of course, the apartment complex claims they 'never got it' so I allegedly violated the lease... Hence the charges: $1565 This is a joint account - I had a room mate when I lived there. This is on their CR too. Thanks for any help in advance.... I disputed it a few years ago, before I found out about this forum, and did it electronically, not by CMRRR. (I know, a bad idea)