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Legally, landlord has to provide receipts and establish that any charges were incurred, due to your negligent use. Normal wear and tear is a landlord expense. Beyond that you raise a valid concern of wrongful reporting and harm to credit. This can be dealt with in one of several ways. 1. negotiate a settlement. 2. contest and hope landlord doesnt file. contest, and if wrongly filed, have it removed by court and sue for damages.
If I can clarify anything, ask me.
Kindly click on an excellent rating.
awaiting your reply/rating, thanks.