Experian verified apartment collection despite no invoices or depreciation calculations
Looking for advice/experiences regarding disputed apartment move-out charges in Massachusetts that were later sent to collections and reported to Experian.
I lived at the same apartment community for approximately six years and was later charged for paint, carpet replacement, and cleaning after move-out. My understanding is that after a long tenancy, paint and carpet are generally subject to depreciation and normal wear-and-tear considerations under MA standards.
The issue is not whether I lived there — it’s whether the amount being reported/collected is properly supported and calculated.
So far:
- collection is reporting on Experian
- dispute was marked “verified”
- certified documentation requests were sent
- CFPB complaint has been filed
- I requested invoices, depreciation schedules, itemized repair documentation, and move-out support documentation
To date, I’ve only received a summary statement/photos and no meaningful depreciation calculations or contractor invoices.
Has anyone dealt with:
- apartment turnover/depreciation disputes in MA
- carpet/paint replacement charges after long tenancy
- collections tied to move-out charges
- CFPB complaints helping with these situations
- attorneys familiar with MA consumer protection / Chapter 93A issues
Trying to handle this professionally and determine whether others have had success challenging unsupported turnover charges or obtaining proper documentation.