Anonymous
Attempts to collect debt not owed: Debt collection
I am filing this complaint because I believe I am being wrongfully pursued for a debt that I do not owe. I entered into a lease-break agreement with my former apartment community. Before moving out, I contacted the leasing office to ensure I understood all financial obligations associated with terminating my lease early. The apartment management confirmed in writing : That my lease break had been approved. The exact amount required to satisfy the lease-break agreement. That once this amount was paid, my account would be in good standing. That I had fulfilled my obligations before vacating the property. I paid the agreed-upon amount in full and have documentation confirming the payment. I also have written correspondence from the apartment management confirming that my account was in good standing when I moved out. Despite this, I was later contacted by a collection agency attempting to collect $1900.00 for the same apartment account. I was never notified by the apartment management that an additional balance existed, nor was I provided with an itemized statement explaining how this balance was calculated before the account was sent to collections. Because I have written documentation confirming that my lease-break obligations were satisfied and that my account was in good standing, I believe this collection account has been reported in error. I am requesting that the collection agency : Conduct a thorough investigation of this account. Provide complete validation of the alleged debt, including an itemized accounting of all charges. Cease collection efforts unless the debt can be properly validated. Remove any inaccurate information reported to the consumer reporting agencies. Notify the apartment management company that this account is disputed. I am attaching copies of the lease-break approval, emails confirming the amount due, proof of payment, and the written confirmation that my account was in good standing when I moved out. These documents demonstrate that I fulfilled my contractual obligations and do not owe the additional $1900.00 being claimed. I respectfully request that the CFPB assist in ensuring this matter is investigated and that any inaccurate collection activity or credit reporting is corrected immediately.