RentDebt Automated Collections, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/31/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
Company never provided any valid evidence of debt within the 30 day time frame from a dispute filed with the credit bureaus. I Requested information from creditor by affidavit ( from a commissioner of the court ) and the company did n't provide any information requested nor did they remove any debt from my credit report. Certified Mail # XXXX NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This letter is being sent to you in response to a computer generated, unsigned letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation and verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. BLACKS LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. VALIDATION. Proving the validity of accuracy of the claim. Counter Claim with Self-Executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has firsthand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above-referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor You are the second party that has written a letter purporting to represent, or have as your client, and the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer-generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS ********************SILENCE IS ACQUIESENCE********************* NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. Seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : 1. The name and address of the organization or other governmental unit alleging a debt ; 2. The name and address of the person or persons in that organization or other governmental unit alleging a claim of debt ; 3. The name of the actual creditor even if that is myself ; 4. The origin of the funds used to create this alleged claim of debt 5. The actual records of the organization or other governmental unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 6. The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt. 7. The actual records of the organization or other governmental unit with a live signature on any and, all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by similar name. 8. Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 9. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 -1601 et. seq and Regulation Z. 10. The actual records of the organization or other governmental unit showing that any, and all documents /instrument ( s ) containing my signature or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. 11. The person that prepares and swears to the validation of debt must describe:1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) How long have you been in your position ; 4 ) When did you first come in contact with the alleged account/debt ; 5 ) How frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; and 7 ) Do you have personal knowledge about the alleged debt and/or any alleged account. 15 U.S.C -1692 ( e ) states that a false, deceptive, and misleading representation, in connection, with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Pursuant to 15 U.S.C -1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collections Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities. This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any, and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each, and every attempted contact, in violation, of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any, and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and, every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and /or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt. Further, pursuant to the Fair Debt Collection Practices Act 15 U.S.C 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal or holder in due course, for whom you are attempting to collect this alleged debt. Please take notice that this legal notice will be forwarded as a criminal investigation of the business practices of the above, named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your claims of collection of a purported debt appears to be founded upon a false record in violation of U.S.C Title 18 -2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 -471,472,473and or 513, and further using corrupt business practices to make and possess false records and claim if obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq and further using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C -1341 Frauds and Swindles laws, and further sending mal with false and fictitious names, criminal conduct falling under Title 18 U.S.C -1842 Fictitious Names. IE XXXX XXXX. ALL INFORMATION WILL BE FORWARDED TO THE TEXAS INSPECTOR GENERAL OFFICE AND IRS CRIMINAL DIVISION TO INVESTIGATE RENTDEBT USA UNDER THE BANKING SECRECY ACT AND THE PATRIOT ACT UNDER AS WELL AS ALL MONEY INSTRUMENT TO BE DISCLOSED. TAKE NOTICE XXXX XXXX failure in providing respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Banking Secrecy Act, Patriot Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : A. ) Debt collector has no lawful, bona fide, verified claim, re the listed accounts : # B. ) Debt Collector waives any, and all claims against respondent C. ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any, and all continued collection attempts, re the above-referenced alleged accounts. D. ) Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice us a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any, and all references to said accounts in any, and all credit reporting agency files of any type. This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure on and for the official public record with a signed affidavit attached is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be valid, honest contract See XXXX XXXX XXXX 249 P. 2d 257,260 Furthermore Title 12 U.S.C -411 Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose, of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of XXXX XXXX XXXX XXXX, or at any XXXX XXXX XXXX.
04/20/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78232	Web
I am writing in response to the recent communication from Rent Debt Automated Collections ( RDAC ) regarding the alleged debt that they claim I owe. In their response, to the CFPB complaint XXXX RDAC stated that my last known address was provided by XXXX XXXX XXXX XXXX However, this assertion is false, as XXXX XXXX XXXX was never provided with my new address. my current address is not included on the lease agreement with XXXX XXXX XXXX, and I have not provided them with this information. Your claim that you received my address from XXXX XXXX XXXX raises significant concerns about the accuracy and legality of your information gathering practices. Under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state laws, consumers have the right to know how their personal information is obtained and used by debt collectors. In light of this, I am formally requesting that you provide : A detailed explanation of how RDAC obtained my current address, specifically indicating whether it was provided by XXXX XXXX XXXX or another source. Documentation, such as written communication or data transfer records, that confirms the claim that XXXX XXXX XXXX provided my current address to RDAC. Your prompt attention to this matter is appreciated. Should RDAC fail to provide the requested proof, This raises concerns about the legality of RDAC 's actions and their compliance with federal and state laws. RDAC 's response has failed to address the specific subsections of the laws and regulations mentioned in my initial complaint, including : Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. Sections 1692e ( false or misleading representations ), 1692f ( unfair practices ), and 1692d ( harassment or abuse ) Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. Sections 1681b ( permissible purposes of consumer reports ) and 1681s-2 ( responsibilities of furnishers of information ) Gramm-Leach-Bliley Act ( GLBA ) - Title V Sections 6801-6809 ( disclosure of nonpublic personal information ) Texas Debt Collection Act ( TDCA ) - Texas Finance Code, Title 5, Subtitle A, Chapter 392 Sections 392.301 ( threats or coercion ), 392.303 ( harassment or abuse ), 392.304 ( unfair or unconscionable means ), 392.101 ( bond and registration ), and 392.306 ( unauthorized disclosure ) Texas Business & Commerce Code, Title 2 , Chapter 20 Section 20.05 ( fraudulent use or possession of identifying information ) Texas Rules of Civil Procedure Rule 76a ( sealing of court records ) Texas Deceptive Trade Practices Act ( DTPA ) - Texas Business & Commerce Code, Title 2 , Chapter 17 , Subchapter E Section 17.46 ( b ) ( 12 ) ( representing that an agreement confers rights, remedies, or obligations which it does not have ) Tennessee Fair Debt Collection Practices Act ( TFDCPA ) - Tennessee Code Annotated, Title 62, Chapter 20 Sections 62-20-105 ( communication with debtor ), 62-20-106 ( harassment or abuse ), and 62-20-107 ( false, misleading, or deceptive acts ) Identity Theft Deterrence Act - Tennessee Code Annotated, Title 47, Chapter 18, Part 21 Section 47-18-2107 ( fraudulent use of identifying information ) Uniform Commercial Code ( UCC ) - UCC 9-102 ( a ) ( 74 ) ( definition of account debtor ) and UCC 9-602 ( waiver and variance of rights and duties ) RDAC 's false claim that XXXX XXXX XXXX provided them with my new address suggests a violation of the FDCPA 1692e, as well as the TDCA 392.304 and the TFDCPA 62-20-107. Additionally, their use of an electronic lease agreement from XXXX XXXX XXXX as the sole validation of the alleged debt raises questions about their compliance with the UCC, specifically regarding Additionally, their use of an electronic lease agreement from XXXX XXXX XXXX as the sole validation of the alleged debt raises questions about their compliance with the Uniform Commercial Code ( UCC ), specifically regarding : UCC 1-308 ( performance or acceptance under reservation of rights ) - By providing an electronic lease agreement as the sole validation of the alleged debt, RDAC may be attempting to enforce the debt without properly establishing the legitimacy of the obligation, which could be construed as a reservation of rights issue. UCC 3-501 ( presentment ) - RDAC has not provided sufficient evidence that they are a holder entitled to enforce the alleged debt under the UCC, as the electronic lease agreement alone does not establish their legal standing to collect the debt. UCC 9-601 ( rights after default ) - As RDAC has not demonstrated that they are a secured party entitled to enforce the debt under the UCC, their collection efforts may be in violation of the rights of the debtor after default. UCC 9-609 ( secured party 's right to take possession after default ) - RDAC 's reliance on the electronic lease agreement as the sole validation of the alleged debt does not demonstrate that they have the legal right to take possession of any collateral or enforce the debt under the UCC. In light of these concerns, I request that the CFPB investigate RDAC 's compliance with the UCC and other relevant federal and state laws. Their actions raise serious questions about their adherence to legal requirements, and it is crucial that RDAC is held accountable for any violations they may have committed. Furthermore, making false statements to the CFPB or on its complaint response portal could be considered a violation of 18 U.S.C. 1001, which makes it a federal crime to knowingly and willfully make a materially false statement in connection with any matter within the jurisdiction of a U.S. agency. RDAC 's false claim that XXXX XXXXXXXX XXXX provided them with my new address may fall under this statute. I respectfully request that the CFPB take these matters into consideration and investigate RDAC 's actions thoroughly. Please let me know if you require any further information or clarification. In their response, RDAC chose to focus on a single aspect of the complaint, namely the provision of my address, while ignoring the detailed list of federal and state laws and regulations that they are accused of violating. RDAC 's decision to disregard the alleged violations of these laws is inappropriate and suggests a lack of accountability for their actions. As a consumer, I am entitled to protection under various federal and state laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), the Texas Debt Collection Act ( TDCA ), the Texas Business & Commerce Code , the Texas Rules of Civil Procedure, the Texas Deceptive Trade Practices Act ( DTPA ), the Tennessee Fair Debt Collection Practices Act ( TFDCPA ), the Identity Theft Deterrence Act, and the Uniform Commercial Code ( UCC ). RDAC 's disregard for these laws in their response undermines the integrity of the CFPB 's complaint process and demonstrates a lack of respect for the legal rights of consumers. It is inappropriate for RDAC to avoid addressing the specific allegations of their violations of these laws in their response. The CFPB complaint process is designed to ensure that financial institutions and debt collectors adhere to federal and state laws and regulations, and by ignoring these allegations, RDAC is undermining the purpose of this process. I request that the CFPB require RDAC to provide a thorough and detailed response that addresses each alleged violation of the federal and state laws outlined in my initial complaint. Additionally, I ask that the CFPB conduct a comprehensive investigation into RDAC 's practices to ensure that they are in compliance with all applicable laws and regulations. Thank you for your attention to this matter. I look forward to a resolution that holds RDAC accountable for their actions and ensures the protection of my rights as a consumer. Sincerely, XXXX XXXX
07/18/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77004	Web
When I initially discovered there was an outstanding debt owed to XXXX XXXX XXXX XXXX XXXX, I contacted them. The managing group called XXXX XXXX for XXXX XXXX XXXX XXXX XXXX stated I owed the debt so long they decided to sell it to a business who collects debt called RentDebt Automated Collections and that I would need to call them. I contacted RentDebt Automated Collections and advised who I was, and my purpose was to pay a debt that I owed, with the purposes of RentDebt Automated Collections sending a Goodwill letter to all three creditor bureaus asking to have this collection to be removed from my credit report. RentDebt Automated Collections agreed to the terms and collected {$250.00} dollars and stated I owed them a XXXX balance. This debt was paid on XX/XX/XXXX. I recently checked my credit report and discovered that RentDebt Automated Collections did not hold up their end of the deal by contacting the credit bureaus and having the collection removed from my report. Also, while reviewing the debt on my report, I noticed there were a few discrepancies. On the report where it has the original lender the bureaus have different names. XXXX reports : XXXX XXXX XXXX XXXX XXXX reports : XXXX XXXX XXXX XXXX XXXX XXXX reports : XXXX XXXX XXXX XXXX The name of the company is XXXX XXXX XXXX XXXX XXXX All three credit bureaus are reporting the Debt that I owed was by XXXX different companies seeing that this information is inaccurate Id like to have this collection removed from my credit report. The Agency Name on the credit report is wrong as well. The Agency Name is reported as three different names to all three credit bureaus. XXXX reports : XXXX XXXX reports : Rnt Debt XXXX reports : Rentdebt Automated Col The name of the company is RentDebt Automated Collections All three credit bureaus are reporting the Three different names. Seeing that this information is inaccurate Id like to have this collection removed from my credit report. I settled with RentDebt Automated Collections for {$250.00} dollars, but RentDebt Automated Collections is reporting to the credit bureaus that the dollars amount was {$290.00} dollars this is completely inaccurate, and false, and therefore driving up my XXXX score. Seeing that this information is inaccurate Id like to have this collection removed from my credit report. RentDebt Automated Collections has reported different dollar amounts to all three credit bureaus when it comes to current balance. XXXX reports : {$0.00} XXXX reports : {$0.00} XXXX reports : - blank Once again RentDebt Automated Collection has not proven itself to be a company that operates under the Fair Credit reporting Act and is not fair to me as a consumer. Therefore, due to their extreme negligence Id like to have this collection account removed from my credit report from all three credit bureaus. RentDebt has not correctly reported the status of my account properly, and it is reading different with every major credit bureau. XXXX reports : Paid XXXX reports : Payment After charge off / collection XXXX reports : Account legally paid in full for less than full balance Once again RentDebt Automated Collection has not proven itself to be a company that operates under the Fair Credit reporting Act and is not fair to me as a consumer. Therefore, due to their extreme negligence Id like to have this collection account removed from my credit report from all three credit bureaus. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, XXXX XXXX, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of This the company response to my former complaint. My name is XXXX XXXX. I am the XXXX XXXX XXXX XXXX for RentDebt Automated Collections , LLC ( RDAC ) and I have been asked to respond to XXXX XXXX XXXX complaint. RDAC has completed its investigation and the results are as follows. ( XXXX XXXX account was placed with RDAC for collection on XX/XX/XXXX, false ) ( by RDACs client XXXXXXXX XXXX XXXX XXXX XXXX, with a balance of {$2000.00}. On XX/XX/XXXX, RDAC mailed its initial collection letter to XXXX XXXX at her last known address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. All this information is completely false ) ( That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act, that letter was not returned as undeliverable to RDAC by the XXXX XXXX XXXX ) false On XX/XX/XXXX, RDAC reported XXXX XXXX account to the three national consumer reporting agencies ( XXXX, XXXX, and XXXX ) ( CRAs ) with permission from our client, XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX called our office and spoke with an RDAC representative. A review of the recording of this call reveals that at the start of the conversation, XXXX XXXX asked the representative he spoke with if he could get an email indicating this tradeline would be removed from his consumer report. The representative responded we dont remove or delete, sir. We report your accurate information so we will report is as either paid in full or settled in full and account closed. Later in the same call, just prior to authorizing a payment of {$250.00} to run that day to settle the account in full, XXXX XXXX asked why RDAC would not request a deletion of the trade line after payment, the representative advised XXXX XXXX : Per company policy, we go by what the Fair Credit Reporting Act requires, so we report your accurate information, we dont do removals or deletions. Per the Fair Credit Reporting Act ( FCRA ), it is RDACs responsibility to report complete and accurate information to the CRAs. Regarding the information for this trade line appearing slightly differently on XXXX XXXX consumer report from each CRA, please be advised that RDAC is not responsible for the way the CRAs display the information furnished to them from RDAC. ( On one of my credit reports they didnt even report a dollar amount ) This is outside our organizations control. Thank you for the opportunity to respond to this complaint. XXXX XXXX XXXX. XXXX referred to me as a female, which is mean and very unprofessional behavior. XXXX. He stated I owed an amount I do not owe so his investigation was not accurate. XXXX. He stated I lived at an address I never lived at nor is on my credit report. XXXX. And he is not reporting accurately information to the CRAs. Please review previous complaint. XXXX Please delete this collection agency from all three of my credit bureaus as this company is practicing deceptive business practices.
03/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33311	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. RENTDEBT AUTOMATED COLLE bal. {$2200.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX . XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXXXXXX CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
01/21/2020	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	FL XXXXX	Web	Servicemember
I have been subjected to the illegal, immoral, and inept practices of RDAC. I have submitted three complaints about RDAC prior to this. If you would be so kind, please reference my complaint ID numbers XXXX, XXXX, and XXXX for relevant background information. I am making another complaint about RDAC because they refuse to acknowledge their wrongdoing and accept responsibility for violating the Fair Debt Collection Practices Act. The following is RDACs response to of my third complaint : Although RDAC has previously responded to similar allegations in Mr. XXXX latest ( third complaint ), RDAC responds to this latest complaint as follows. First, Mr. XXXX assert that Just because a letter was not returned as undeliverable does not mean that it was delivered to the correct party. By mailing this letter to an address that I have never lived at and failing to ensure my receipt of this document, RDAC neglected to ensure that I received this letter within the mandated 5 days of initial communication per the Fair Debt Collection Practices Act 809. ( a ). In response to this assertion, RDAC respond by reiterating that the account in question was placed with RDAC for collection on XX/XX/XXXX, and on XX/XX/XXXX, RDAC mailed its initial validation letter to Mr. XXXX at the address that came with the account. That letter was not returned to RDAC as undeliverable, and therefore RDAC was permitted to assume that Mr. XXXX received the validation notice. The plain language of section 1692g ( a ) does not require that a Validation of Debt Notice be received by a debtor. Instead, the plain language states that such a Notice need only be sent to a debtor. XXXX XXXX Credit Bureau of XXXX County, Incorporated, 171 F.3d 1197, 1201 ( 9th Cir. 1999 ). A debt collector need not establish actual receipt by the debtor. Id. Therefore, RDAC denies that it violated 1692g ( a ) of the FDCPA. As for Mr. XXXX concerns regarding RDAC agents attempts to verify that they were communicating with the correct party before discussing the debt with him, this process is for the protection of the consumer ( Mr. XXXX ) in order to ensure that the debt collector does not discuss the consumers debt with an unauthorized third party. Finally, regarding Mr. XXXX allegation that RDAC violated the FDCPA by calling him prior to XXXX XXXX., RDAC has already addressed this allegation in its previous response. Specifically, our previous response regarding this allegation included the following statement : Given that the address provided to RDAC is in the Eastern Time zone, the fact that the initial letter was not returned and the area code of the phone number Mr. XXXX was contacted at ( XXXX ) being is an area code in the Eastern Time zone, it is RDACs position that the call made to Mr. XXXX was made in compliance with section 805 ( a ) ( 1 ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( a ) ( 1 ). That section of the FDCPA prohibits a debt collector from communicating with a consumer... after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location. RDACs phone system is designed to prevent calls from being dialed to a consumer before XXXX XXXX., or after XXXX XXXX. at the consumers location. At the time the call in question was made, RDAC had no knowledge that Mr. XXXX was located in a time zone other than the Eastern Time Zone. We welcome Mr. XXXX to contact our office at XXXX Monday Thursday from XXXX to XXXX and Friday from XXXX to XXXX Central Time, to discuss options that might be available to him and to assist in resolving his account. Thank you for the opportunity to respond to this complaint. XXXX XXXX Mr. XXXX : Can RDAC provide proof that its initial validation letter and response to Mr. XXXX written dispute were sent? Because neither were received by MrXXXX XXXX. RDACs process of verifying a consumers identity via telephone is fundamentally flawed and does not protect consumers. In an age consumed by fraud and identity theft, hundreds of individuals possess the sensitive personal information of others and can use them for harm. To reiterate, just because a caller can verify an individuals social security number, address, and date of birth does not mean that this information belongs to the caller. Also, to reiterate, the address provided to RDAC was not provided by and never has belonged to Mr. XXXX. Assuming a consumers location based on an unverified address, an unreturned letter, and the area code of a telephone number is glaringly inept, irresponsible, and immoral. But using Ms. XXXX logic : Given that the address provided to RDAC is in the Eastern Time zone, the fact that the initial letter was not returned and the area code of the phone number Mr. XXXX was contacted at ( XXXX ) being is an area code in the Eastern Time zone, it is RDACs position that the call made to Mr. XXXX was made in compliance with section 805 ( a ) ( 1 ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( a ) ( 1 ). RDACs phone system is designed to prevent calls from being dialed to a consumer before XXXX XXXX, or after XXXX XXXX at the consumers location, how can XXXX definitively declare that Mr. XXXX is not located in the Eastern Time zone? Does RDAC have evidence that Mr. XXXX is not located in the Eastern time zone? Ms. XXXX states that RDAC has every reason to conclude that Mr. XXXX lives in the Eastern Time zone, so it is dangerous to now assume otherwise. Regardless of where RDAC erroneously and carelessly assumes that Mr. XXXX resides, the Fair Debt Collection Practices Act forbids debt collectors from calling a consumer before XXXX and after XXXX. The fact of the matter is that RDAC violated the Fair Debt Collection Practices Act by calling Mr. XXXX before XXXX. Ms. XXXX statements provide proof of their violations based on their ill-informed assumptions and perhaps even a faulty phone system.
12/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75204	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. RENTDEBT AUTOMATED COL bal. {$14000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
07/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	UT 84025	Web	Servicemember
Response from company states that Statute of Limitations is 4 years in Idaho. I have linked below the documentation that shows it is 3 years. XXXX XXXX XXXXXXXX XXXX. STATUTORY LIABILITIES, TRESPASS, TROVER, REPLEVIN, AND FRAUD. Within three ( 3 ) years : 1. An action upon a liability created by statute, other than a penalty or forfeiture. The cause of action in favor of the state of Idaho or any political subdivision thereof, upon a surety bond or undertaking provided for or required by statute shall not be deemed to have accrued against any surety on such bond or undertaking until the discovery by the state of Idaho or any political subdivision thereof of the facts constituting the liability. 2. An action for trespass upon real property. 3. An action for taking, detaining or injuring any goods or chattels, including actions for the specific recovery of personal property. 4. An action for relief on the ground of fraud or mistake. The cause of action in such case not to be deemed to have accrued until the discovery, by the aggrieved party, of the facts constituting the fraud or mistake. History : [ ( 5-218 ) C.C.P. 1881, sec. 158 ; R.S., R.C., & C.L., sec. 4054 ; C.S., sec. 6611 ; I.C.A., sec. 5-218 ; am. 1974, ch. 41, sec. 2, p. 1603. ] Previous dispute is as follows : " We lived in an apartment in XXXX XXXX named " XXXX XXXX XXXX '', for 2 years, from XX/XX/XXXX to XX/XX/XXXX. Upon moving out in XX/XX/XXXX, they stated we would be liable for repairs in the apartment, which we disagreed with. There was a small paint stain in the carpet a single bedroom, and they stated they would be replacing the carpet in the ENTIRE apartment as a result, which resulted in a charge of XXXX, which they informed me of over the phone after we had moved out. We told them we did not agree with this, that they were trying to basically scam us into paying for renovations on the apartment that were not our responsibility. After that single phone call, we received no further phone calls or letters in the mail for 3 YEARS. No attempt to collect the {$1600.00} was EVER made. Now, in XX/XX/XXXX we noticed on our credit report we had been sent to collection for the {$1600.00}, collections agency " RENTDEBT AUTOMATED COL ''. We have attempted to dispute this with the both the collections agency, who states that we are the ones that must provide proof we are not liable, but there is no proof we can provide. We are being charged for something that is not our responsibility. Further more, the statute of limitations in Idaho for property damage is 3 years. To reiterate everything : We lived in this apartment 3 years and 4 months ago, and no attempt to collect this was EVER made aside from a single phone call from the apartment complex, and it was sent to collections in XX/XX/XXXX, a few month after the statute of limitations for property damage in Idaho, which is 3 years. '' RentDebt 's response is as follows : " My name is XXXX XXXX. I work in the compliance department for RentDebt Automated Collection, LLC ( RDAC ) and I have been asked to respond to XXXX XXXX XXXX complaint. We have completed our investigation and the results are as follows. XXXX XXXX account was placed with RDAC for collection on XX/XX/XXXX by RDACs client XXXX XXXX with a balance of {$1600.00}. On XX/XX/XXXX XXXX mailed out a validation notice to XXXX XXXX, and on XX/XX/XXXX XXXX reported XXXX XXXX account to the three national credit reporting agencies ( XXXX, XXXX, and XXXX ) with permission from our client, XXXX XXXX. On XX/XX/XXXX XXXX XXXX called RDAC and stated he wished for the account to be placed in dispute. On XX/XX/XXXX RDAC responded to that dispute by mailing XXXX XXXX the final account statement and signed lease. RDAC reached out to our client XXXX XXXX regarding the carpet complaints, and their response is as follows : I am confirming that when that carpet needs to be replaced in one certain area we have to replace it in all the apartment because sometimes we don't have the same carpet to match the current one. In his complaint, XXXX XXXX alleges that there is a three ( 3 ) year statute of limitations for property damage in the XXXX of Idaho, and therefore the statute of limitations for enforcing the debt has expired. However, pursuant to Idaho law, the statute of limitations for property damage claims is four ( 4 ) years. Idaho Code Annotated 5-224, see also, Boise Development Co. v. Boise City, 30 Idaho 675, 167 P. 1032 ( 1917 ) ; Woodland v. Lyon, 78 Idaho 79, 298 P. 2d 380 ( 1956 ). We welcome XXXX XXXX to contact our office at XXXX RDAC Phone Number XXXX XXXX from XXXX to XXXX and XXXX from XXXX to XXXX XXXX Time, to discuss options that might be available to him and to assist in resolving his account. XXXX XXXX '' My response to the carpet replacement is that if they are unable to replace the carpet to match the current carpet, that is their own issue, and not my responsibility. A single square foot of the carpet had a paint spill on it, dying it blue. They've chosen to replace the carpet in the entire apartment as a result, and are trying to fraudulently pass the cost on to myself. I am more than happy to reach a reasonable settlement for the portion of the carpet that was dyed, but refuse to bankroll their renovations for the entire apartment, which included not just carpet replacement for the entire unit, but repainting as well. -XXXX XXXX
04/18/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78232	Web
I am writing to file a formal complaint against Rent Debt Automated Collections ( hereinafter referred to as " Rent Debt '' ) for their unlawful debt collection practices and unauthorized acquisition and use of my personal information. It has come to my attention that Rent Debt has violated several federal and state statutes in both Texas and Tennessee, specifically regarding the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. Sections 1692e, 1692f, and 1692d, the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. Sections 1681b and 1681s-2, the Gramm-Leach-Bliley Act ( GLBA ) - Title V Sections 6801-6809, the Texas Debt Collection Act ( TDCA ) - Texas Finance Code, Title 5, Subtitle A, Chapter 392 Sections 392.301, 392.303, 392.304, 392.101, and 392.306, the Texas Business & Commerce Code, Title 2 , Chapter 20 Section 20.05, the Texas Rules of Civil Procedure Rule 76a, the Texas Deceptive Trade Practices Act ( DTPA ) - Texas Business & Commerce Code, Title 2 , Chapter 17 , Subchapter E Section 17.46 ( b ) ( 12 ), the Tennessee Fair Debt Collection Practices Act ( TFDCPA ) - Tennessee Code Annotated, Title 62, Chapter 20 Sections 62-20-105, 62-20-106, and 62-20-107, and the Identity Theft Deterrence Act - Tennessee Code Annotated, Title 47, Chapter 18, Part 21 Section 47-18-2107. Rent Debt 's violations include, their procurement of my personal information without a legitimate purpose or my explicit written consent, their use of hostile, abusive, or harassing tactics during debt collection efforts, and their failure to comply with the registration and bonding requirements mandated by Texas law for third-party debt collectors. I am requesting that the Consumer Financial Protection Bureau conduct an investigation into the collection practices of Rent Debt, in addition to the potential violations of federal and state statutes. I am also urging cooperation with the Texas Attorney General 's Office, the Tennessee Attorney General 's Office, and other relevant state and federal agencies to ensure that Rent Debt is held accountable for their actions, ceases unlawful collection attempts, and follows all applicable laws. In their response to my complaint, Rent Debt admitted to looking up my last known address, which was registered privately. They also stated that they had not received any disputes from me and attached copies of my final account statement and signed lease for their records. Additionally, Rent Debt confirmed that XXXX ( XXXX XXXX ) had not received payment to pay my account in full. However, Rent Debt did not disclose how they obtained my personal information, which includes my address. I request that they provide this information so that we can hold the business accountable for their illegal actions. In response to my complaint, Rent Debt admitted to obtaining my last known address, which was registered privately, and that they had not received any disputes from me. They also provided copies of my final account statement and signed lease for their records, but did not disclose how they obtained my personal information, including my address. I request that they provide this information so that Rent Debt can be held accountable for their illegal actions. Finally, I demand that RentDebt Automated Collections , LLC disclose which credit bureaus or data brokers it used to obtain my personal data, including my address. Additionally, I request that you provide a detailed account of how your company breached the aforementioned federal and state statutes, as well as any additional laws you may have broken, including the specific subsections that were violated. I request that the CFPB investigate this matter fully and take appropriate action against RDAC if it is found that they violated any federal or state laws, including the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, the Texas Debt Collection Act XXXX the Texas Business & Commerce Code , the Texas Rules of Civil Procedure, the Texas Deceptive Trade Practices Act, the Tennessee Fair Debt Collection Practices Act, the Identity Theft Deterrence Act, and the XXXX XXXX guidelines. Furthermore, if Rent Debt Automated Collections ( RDAC ) obtained my lease agreement and pictures without my consent, it is a violation of my privacy rights. The unauthorized access of personal information is a serious concern, as it can result in identity theft or other forms of fraud. It is unclear how RDAC obtained my lease agreement and pictures, but if they did so without my consent or authorization, it would be illegal. It is possible that they obtained this information from XXXX ( XXXX XXXX ) or another source, but without consent, their actions would still be in violation of federal and state privacy laws. Therefore, it is important for the CFPB to investigate this matter and determine how RDAC obtained my lease agreement and pictures. appropriate action should be taken to hold them accountable for their actions and protect the privacy rights of consumers. ATTACHED TO THIS COMPLAINT IS THE MEDIA FILE THAT RENT DEBT ATTACHED TO THE LAST COMPLAINT WHICH IS PROOF THAT THEY VIOLATED MY PRIVACY RIGHTS Thank you for your prompt attention to this matter. Please let me know if you require any further information. Sincerely, XXXX XXXX
04/18/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78232	Web
I am writing to file a formal complaint against Rent Debt Automated Collections ( hereinafter referred to as " Rent Debt '' ) for their unlawful debt collection practices and unauthorized acquisition and use of my personal information. It has come to my attention that Rent Debt has violated several federal and state statutes in both Texas and Tennessee, specifically regarding the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. Sections 1692e, 1692f, and 1692d, the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. Sections 1681b and 1681s-2, the Gramm-Leach-Bliley Act ( GLBA ) - Title V Sections 6801-6809, the Texas Debt Collection Act ( TDCA ) - Texas Finance Code, Title 5, Subtitle A, Chapter 392 Sections 392.301, 392.303, 392.304, 392.101, and 392.306, the Texas Business & Commerce Code, Title 2 , Chapter 20 Section 20.05, the Texas Rules of Civil Procedure Rule 76a, the Texas Deceptive Trade Practices Act ( DTPA ) - Texas Business & Commerce Code, Title 2 , Chapter 17 , Subchapter E Section 17.46 ( b ) ( 12 ), the Tennessee Fair Debt Collection Practices Act ( TFDCPA ) - Tennessee Code Annotated, Title 62, Chapter 20 Sections 62-20-105, 62-20-106, and 62-20-107, and the Identity Theft Deterrence Act - Tennessee Code Annotated, Title 47, Chapter 18, Part 21 Section 47-18-2107. Rent Debt 's violations include, their procurement of my personal information without a legitimate purpose or my explicit written consent, their use of hostile, abusive, or harassing tactics during debt collection efforts, and their failure to comply with the registration and bonding requirements mandated by Texas law for third-party debt collectors. I am requesting that the Consumer Financial Protection Bureau conduct an investigation into the collection practices of Rent Debt, in addition to the potential violations of federal and state statutes. I am also urging cooperation with the Texas Attorney General 's Office, the Tennessee Attorney General 's Office, and other relevant state and federal agencies to ensure that Rent Debt is held accountable for their actions, ceases unlawful collection attempts, and follows all applicable laws. In their response to my complaint, Rent Debt admitted to looking up my last known address, which was registered privately. They also stated that they had not received any disputes from me and attached copies of my final account statement and signed lease for their records. Additionally, Rent Debt confirmed that XXXX ( XXXX XXXX ) had not received payment to pay my account in full. However, Rent Debt did not disclose how they obtained my personal information, which includes my address. I request that they provide this information so that we can hold the business accountable for their illegal actions. In response to my complaint, Rent Debt admitted to obtaining my last known address, which was registered privately, and that they had not received any disputes from me. They also provided copies of my final account statement and signed lease for their records, but did not disclose how they obtained my personal information, including my address. I request that they provide this information so that Rent Debt can be held accountable for their illegal actions. Finally, I demand that RentDebt Automated Collections , LLC disclose which credit bureaus or data brokers it used to obtain my personal data, including my address. Additionally, I request that you provide a detailed account of how your company breached the aforementioned federal and state statutes, as well as any additional laws you may have broken, including the specific subsections that were violated. I request that the CFPB investigate this matter fully and take appropriate action against RDAC if it is found that they violated any federal or state laws, including the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, the Texas Debt Collection Act , the Texas Business & Commerce Code , the Texas Rules of Civil Procedure, the Texas Deceptive Trade Practices Act, the Tennessee Fair Debt Collection Practices Act, the Identity Theft Deterrence Act, and the XXXX XXXX guidelines. Furthermore, if Rent Debt Automated Collections ( RDAC ) obtained my lease agreement and pictures without my consent, it is a violation of my privacy rights. The unauthorized access of personal information is a serious concern, as it can result in identity theft or other forms of fraud. It is unclear how RDAC obtained my lease agreement and pictures, but if they did so without my consent or authorization, it would be illegal. It is possible that they obtained this information from XXXX ( XXXX XXXX ) or another source, but without consent, their actions would still be in violation of federal and state privacy laws. Therefore, it is important for the CFPB to investigate this matter and determine how RDAC obtained my lease agreement and pictures. appropriate action should be taken to hold them accountable for their actions and protect the privacy rights of consumers. ATTACHED TO THIS COMPLAINT IS THE MEDIA FILE THAT RENT DEBT ATTACHED TO THE LAST COMPLAINT WHICH IS PROOF THAT THEY VIOLATED MY PRIVACY RIGHTS Thank you for your prompt attention to this matter. Please let me know if you require any further information. Sincerely, XXXX XXXX
08/12/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 770XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Attn : XXXX XXXX ( XXXX ) I have an issue with my final bill that still hasnt been cleared. I was told by the property manager that this issue isnt handled by the leasing office. I called both the Manager and the XXXX XXXX XXXX numerous times and was never called back. Unfortunately, unfounded bureaucracy, and deliberate lies are a daily routine. I XXXX XXXX XXXX and my daughter XXXX XXXX XXXX occupied the apartment located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX from approximately XX/XX/XXXX until XX/XX/XXXX. I did give you my forwarding address which at the time which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was told that any final bill would credit against my deposit. I do Not owe any money for rent ( it was always paid in full ). My home was clean and immaculate. When I first moved in, I reported several issues which included strong fish odor from the refrigerator and ice maker. Strong smell of dog the first day I moved in even though I didnt have a pet. I was told to purge the ice for a couple of days and the carpet was only vacuumed. I hired my own handy man to steam clean the carpet. Your own assistant manager even told me how nice my apartment was and that my furniture was beautiful. The only major issues were that I had too much furniture as I downsized from a 4 bedroom home. I did comply and put some things in storage. First, inconsistency from the final bill notes I moved out of town even though it clearly shows the forwarding address I gave when I turned in my keys. I was charged {$25.00} / 9 times for appliance cleaning. There were only 3 appliances. The stove, refrigerator, and dishwasher. The only thing I didnt clean was the oven. The stove was kept up daily, the refrigerator had all my contents removed and wipe out and I have never used Any dishwasher in my Life. Your washer & dryer were removed about a week or so after I moved in. Somehow the leasing office forgot I advised them I had my own washer & dryer and had NO intention on renting one. So some of those fees are not warranted. You also charging me {$900.00} for carpet stains which is excessive considering you never clean the carpet before I moved in. I paid for the carpet to be cleaned myself. I can understand normal wear and tear but that is quite excessive. You charged me another {$900.00} for Couch removal. I only had One couch. I paid for movers to move me out. Unfortunately, they were horrible. So after I moved everything out immediately turned in my keys and requested to be able to come back the next day to retrieve my couch. I had already asked my brother and his best friend with a truck to assist me. The lady in the office immediately said that my couch had been thrown out. I asked her how was that possible since I was just leaving that evening & brought my keys for turn in. I remained calm and said I would just call the next day. I call and left a message for the manager to call me and see if we could work something out. I was never called back. Approximately 2 days later the maintenance team who where painting the apartment called to say they would let me get my couch as the moved it to the side and didnt want to damage it. I was at work and couldnt leave and didnt have enough time to get someone to assist me in removing the couch. I did call a couple times again to no avail. I am still sick over losing that couch as it was quite expensive. I am appalled that now you want to charge me for a couch that I Totally believe is sitting in someones Home. The charges are extreme and excessive not to mention an assault on my intelligence. Its also funny you failed to mention the 2 bikes & chair ( that belonged to my grandkids ) I mistakenly left on the balcony. I am beyond livid of this blatant disrespectful attempt to rob me. I want these fees expunged and removed from me and my daughter credit immediately. Perhaps this is an oversight but its quite a major one. I insist you must rectify this situation Immediately. I want this removed from my credit Immediately from under both me and my daughters names. This needs to be taken away from whatever debt collector/credit bureau you sent this to. A good contact number for me and my daughter is XXXX and/or XXXX. Please contact me at your earliest convenience. I will truly appreciate getting this worked out swiftly. Thank you for your assistance. Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX, and XXXX. I was never called. They never returned the call to discuss and this letter was sent by certified mail to XXXX XXXXXXXX XXXX and the parent management company XXXX XXXX. They moved someone in less than a week after I moved and started painting the very next day but want to charge me {$2000.00} for cleaning appliances and stealing my couch. I clearly gave them many ways to contact me that are still valid. My phone number nor have my daughters number is still the same. I now live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
07/12/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77004	Web
When I initially discovered there was an outstanding debt owed to XXXX XXXX XXXX XXXXXXXX XXXX, I contacted them. The managing group called XXXX XXXX for The Columns at XXXX XXXX stated I owed the debt so long they decided to sell it to a business who collects debt called RentDebt Automated Collections and that I would need to call them. I contacted RentDebt Automated Collections and advised who I was, and my purpose was to pay a debt that I owed, with the purposes of RentDebt Automated Collections sending a Goodwill letter to all three creditor bureaus asking to have this collection to be removed from my credit report. RentDebt Automated Collections agreed to the terms and collected {$250.00} dollars and stated I owed them a XXXX balance. This debt was paid on XX/XX/2022. I recently checked my credit report and discovered that RentDebt Automated Collections did not hold up their end of the deal by contacting the credit bureaus and having the collection removed from my report. Also, while reviewing the debt on my report, I noticed there were a few discrepancies. On the report where it has the original lender the bureaus have different names. XXXX reports : XXXX XXXX XXXXXXXX XXXX XXXX reports : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX reports : XXXX XXXX XXXXXXXX XXXX The name of the company is XXXX XXXX XXXX XXXX XXXX All three credit bureaus are reporting the Debt that I owed was by XXXX different companies seeing that this information is inaccurate Id like to have this collection removed from my credit report. The Agency Name on the credit report is wrong as well. The Agency Name is reported as three different names to all three credit bureaus. XXXX reports : XXXX XXXX reports : Rnt Debt XXXX reports : Rentdebt Automated Col The name of the company is RentDebt Automated Collections All three credit bureaus are reporting the Three different names. Seeing that this information is inaccurate Id like to have this collection removed from my credit report. I settled with RentDebt Automated Collections for {$250.00} dollars, but RentDebt Automated Collections is reporting to the credit bureaus that the dollars amount was {$290.00} dollars this is completely inaccurate, and false, and therefore driving up my XXXX score. Seeing that this information is inaccurate Id like to have this collection removed from my credit report. RentDebt Automated Collections has reported different dollar amounts to all three credit bureaus when it comes to current balance. XXXX reports : {$0.00} XXXX reports : {$0.00} XXXX reports : - blank Once again RentDebt Automated Collection has not proven itself to be a company that operates under the Fair Credit reporting Act and is not fair to me as a consumer. Therefore, due to their extreme negligence Id like to have this collection account removed from my credit report from all three credit bureaus. RentDebt has not correctly reported the status of my account properly, and it is reading different with every major credit bureau. XXXX reports : Paid XXXX reports : Payment After charge off / collection XXXX reports : Account legally paid in full for less than full balance Once again RentDebt Automated Collection has not proven itself to be a company that operates under the Fair Credit reporting Act and is not fair to me as a consumer. Therefore, due to their extreme negligence Id like to have this collection account removed from my credit report from all three credit bureaus. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, XXXX XXXX, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
11/01/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
XXXX XXXX Please provide proof of notice that was given that was to be submitted Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [ 15 USC 1692g ] 809 ( a ) A debtor must be allowed to validate the debt that they are being called on. Once a collections agency notifies the individual that they owe a debt, the individual has 30 days to validate or dispute the debt. The collections company is not allowed to continue collections procedures until after the debt is validated or disputed. U.S. Code Title 15 Chapter 41 Subchapter V 1692g 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and PLEASE PROVIDE PROOF OF NOTICE THAT THIS WAS SENT TO ME WITHIN THE TIME FRAME ALLOWED ( certified mail # XXXX ) RECEIVED BY YOUR OFFICE XXXX/XXXX/XXXX ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. -NOTICE WAS NEVER RECEIVED, SO THEREFORE I WAS NEVER GIVEN THE RIGHT TO DISPUTE ( d ) Legal pleadings ( certified # XXXX ) A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). If the account has been sold to another creditor, then that creditor must prove that it has the right to sue to collect the debt. This usually means producing proof that the debt was assigned to it. Often such proof will be a bill of sale, an assignment, or a receipt between the last creditor holding the debt and the entity suing you.
03/30/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30135	Web	Servicemember
To Date, I still have not received anything from RentDebt in writing about this account! . This balance was refused to be accepted by the original creditor despite being disputed in writing and multiple attempts to contact. Then paid in FULL. The Collection Agency notes that the original credit mailed the initial notice and subsequently provided their OWN address as MY address so I never received written notice or proof of charges as requested. o Please see the first Consumer Financial Protection Bureau Complaint : XXXX Where The above Creditor provides proof that the ONLY written notification sent was from the original creditor and it was addressed to themselves with no apartment number listed, nor was it forwarded to my forwarding address provided at the time of move-out. These were attached to the complaint BY the Creditor. See attached. o The Fair Debt Collection Practices Act requires that I be notified, that does NOT include mailing the notice to themselves. I was NOT notified of the validation of this debt as requested prior to it being reported to the credit bureau. Please see the attached second Consumer Financial Protection Bureau Complaint : XXXX Where again RentDebt ( RDAC ) confirms that I never received any written notice or validation of charges prior to placing this account on my credit report. o Also note the lease that was attached has a date AFTER the start of the lease, when no modifications were made to the lease. This is a fraudulent lease and my signature had to have been forged as I did NOT sign a document on XX/XX/XXXX for this unit, lease was signed on XX/XX/XXXX. These documents have been forged with my signature to validate a debt I never received written validation or written notice of. o The account was paid in full directly to XXXX. o Per, FDIC Law, Regulations, Related Acts, Section 6500 - Consumer Protection, Subsection 606 : 5. Form and Delivery of Notice The notice must be in writing and delivered to the consumer. The user may include the disclosure in an application for employment, insurance, or credit, if it is clear and conspicuous and not obscured by other language. A user may send the required notice via first class mail. The notice must be mailed or otherwise delivered to the consumer not later than three days after the report was first requested. o I received a final bill from the XX/XX/XXXX on XX/XX/XXXX via EMAIL. o I disputed the balance, by responding to the email on XX/XX/XXXX, within the 10 day window. o The property responded on XX/XX/XXXX, outside of the 10 day demand that was posted in the original email. o I attempted to call the agent for the property based on her email correspondence once on XX/XX/XXXX and twice on XX/XX/XXXX. o I left requests for a callback each of these times. o I did not receive a call back and on XX/XX/XXXX myXX/XX/XXXX year only daughter was XXXX XXXX while visiting friends on a break from school in California. o I still did not hear back from the XXXX, despite having contested the amount via email and calling the office on three different occasions at this time. o When I sent a money order to the complex to prevent any collections at the end of XX/XX/XXXX, I again emailed XXXX and I was told that my payment would be returned. o On XX/XX/XXXX I received my payment back from the XXXX. I followed the process and reached out the original creditor and asked that the charges be explained as I was not allowed to be present during the move-out because we were relocating to Georgia and I was told the manager would call me to complete it together and never did. Once I was advised of a balance I was told that I could get an explanation of the charges but was not provided one, given that the items listed as charges are on the MOVE-IN Inspection. The original creditor refused the payment in full, despite my dispute and I am requesting that this account be removed from my credit report. o This account is using fraudulent documents and does not meet the FRCA requirements.
05/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 36609	Web
RentDebt Automated Collections has reported on all three of the major credit reporting agencies, XXXX, XXXX and XXXX that I owe {$1500.00} to XXXX XXXX XXXX. I 'm disputing the full amount. I do not owe this debt. Rent Debt Automated Collection XXXX XXXX XXXX XXXX, TN XXXX RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for RentDebt Automated Collection in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 49024	Web
I had a lease contract with XXXX XXXX XXXX XXXX XXXX, Al ) till XX/XX/XXXX. I had paid off all the rent till XXXX, except for last two months ( XXXX and XXXX ). I was severely ill and I left the country in mid XXXX, XXXX. I was staying in XXXX with my family. I came back in mid XXXX. During my stay in XXXX, I received emails from the apartment management that my rent was overdue. I promised to pay them back whenever I would come back since I did not have any means to pay them, honestly. The total I was expecting to pay was {$1500.00}. However, when I came back, I started receiving calls from XXXX XXXX ( collections agency ). They told me that I owe a total of XXXX. This is more than twice than what I was expecting to pay. I told them to send me a detailed letter on my email. I was told that it will take ten days for me to receive the email. I never received the email. The next time they called me, I just asked them to explain the charges, which were : {$750.00} XXXX Rent, {$750.00} XXXX Rent, {$380.00} Late Charges, {$750.00} 30 Day Notice Fee, {$670.00} Eviction Fee, {$170.00} Cleaning, - {$200.00} Deposit, Total : {$3200.00}. My first natural response was, this is not correct. The 30 day notice fee was wrong since I already had provided the notice to leave 30 days before the end of lease term. For eviction, the management did tell me that they will evict me, however, I did not receive any details afterwards. Besides, the Late Charges should have only been {$380.00} as per the lease agreement, not {$380.00}. I requested them to email me the detailed letter again but I never received their email. I went to the apartment management to discuss what was going on. First, they were reluctant to entertain me since the case was already with collections. Upon telling them that the charges mentioned are not correct, they printed ( attached ) out the details which are mentioned above. I showed the email correspondence where I had clearly stated that I will not continue my lease after XX/XX/XXXX and this email was sent out in time. When I asked about eviction, they did not have any proof to show me. I asked them to email me the details, an itemized bill for eviction, but I never heard back. If there was an eviction, where is the evidence? I am not well versed in law but I do know that eviction, in simple terms, means forcing the tenant and their property out of the apartment. I was already out of the apartment and I came back to the country after the end of my lease term. Moreover, the apartment was emptied by my friends, who were authorized by me to enter. There was some trash left but there was nothing really left to evict. I wish I could take legal action but I do not have the finances to do so. Moving onwards, after discussion with the management and while waiting for the correction to the bill, I found out that the account had already been reported to the credit bureaus in XX/XX/XXXX, and it had started affecting my credit score. I requested the collections agency to remove the account multiple times but they refused. Moreover, they added a duplicate account in XX/XX/XXXX, which stayed on my credit report for about two months. It affected my score and damaged my reputation with my current apartment management. They first denied my application saying that there is a balance of more than {$5000.00} on my report. My application for mortgage was also ongoing which I revoked it due to this. They deleted the duplicate account but I was never compensated for the loss I bore. In conclusion, my point regarding the original account is that if it was the right amount from the beginning, I would have paid it off right away and it would have never ended up on my credit report in the first place. My reputation is suffering because of their mistakes and carelessness.
08/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
This debt is not mine Please provide me with a contract with a hard signature & proof of identification NOT A DIGITAL SIGNATURE This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA XXXXX	Web
You all reporting a open status on a collections account which is closed please delete incorrect information Immediately This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards
06/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 757XX	Web
The basis for my dispute RentDebt Automated Collections , LLC, XXXX XXXX XXXX XXXX, XXXX Vice President, RENTDEBT AUTOMATED COLLE AccoXXXX, {$2100.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. RENTDEBT AUTOMATED COLLE Accofailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. Also, RENTDEBT AUTOMATED COLLE Acco '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of Texas allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) RentDebt Automated Collections , LLC, XXXX XXXX XXXX XXXX, XXXX Vice President failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. I attached a copy of the law and the actual document from the federal reserve RENTDEBT AUTOMATED COLLE Accois held liable as well for defamation and in the state of Texas a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) citing Monroe v. Frank XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) RESOLUTION I will if the account is not taken back and removed from any and all credit bureau reports, I will turn this over to XXXX XXXX FDCPA, TDCPA, and FCRA national Attorney to look and take over this complaint. Therefore, provide me documentation of notification ( i.e. a copy of the notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ) .. 30 days before or 30 days after XXXX date derogatory reporting was started with the bureaus as you have listed or DELETE the reporting. A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. Santana Gonzalez v. Atty Gen., XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( emphasis added ). A weaker presumption arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. Even it's been transferred RentDebt Automated Collections , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX is still responsible for reporting under the FCRA I appreciate your help regarding this and look forward to an amicable resolution.
10/20/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	TX 77478	Web
My wife and I rented a home from XXXX XXXX XXXX. No matter how hard I have tried I just can not seem to get this company to get their records correct. We were under a 3 year lease term with the option to purchase and we were told we were not able to purchase because there was an outstanding balance owed from my XXXX loss during the Pandemic. I was told that we would be able to roll that payment into the purchase but XXXX decided against it after four months and not telling us until after the term to purchase had ended. I had been speaking with XXXX XXXX trying to resolve the account. I told her that I did not have the means to pay the lump sum balance at once so she gave me an offer to save my rental history and we accepted it. Surrender the property On or before the XXXX of XXXX and they keep my security deposit and zero the account. We moved out at as promised and I had a cleaning crew that came in on the XXXX to ensure the property was clean from top to bottom. There was a trash can left outside filled with recyclable but could not be placed to the curb until the next week because they had already ran for the day. I replaced all bulb and left the remaining bulbs on the kitchen counter. I also left touch paint for walls and banister on the counter. I left manual for all new appliances on counter as well with garage door opener. I left keys in the water hose hanger on the side and they took the keys from the hanger and they changed the locks so why am I being charged for changing locks on doors. I have submitted pictures because they lied about power washing the home and these pictures that we submitted were taking XX/XX/XXXX and we have only be moved for a month and a week. They stated that they had to repaint and that is not trues because we repainted prior to leaving and and the places that were recently repaired were due to work orders that they serviced. The floor that needed to be repaired was due to their service man starting a job and then told by his company to stop because XXXX did not agree with the bid. I am submitting proof that I honored my part of the contract and they are trying to get money out of me unjustly. They stated that we were in the property after XX/XX/XXXX and that is not accurate because we checked in to the XXXX XXXX on XX/XX/XXXX and have been here since that time. I have receipts to prove that very fact. They are charging us prorated fees for still being in the property and were not there and the home was completely cleaned from top to bottom. We left the home better than we received it because that home was filthy, stained tubs, stained toilets that were spray painted, spray painted cabinets over mold, a Dryer vent with a full nest inside of it, plumbing that did needed replacing due to the tree in the front and it also affected the home next door and XXXX assisted us both to get it repaired by the city. Electrical outlets that did not work, light switches that did not work. There is no way you can live in a home for 3 years and not have some normal wear and tear. XXXX must be stopped and I need your help to bring this case to a close. They have stressed my family out long enough. They took {$6500.00} from us and then filed eviction on us the very next day. The only reason we fell behind was due to the pandemic. I simply want them to go away and stop trying to ruin my life. Honor their contract as we have honored ours.
10/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33809	Web
This letter is being sent to you in response your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any signed papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
05/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11367	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75044	Web
I retrieved a copy of my credit report and immediately noted that RentDebt Automated Collections had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me XXXX days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureau responded, see attached. The bureau responded that the company verified the information as correct. How so? A third-party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, RentDebt did not advise the bureaus to update the account status to disputed when I first disputed with them in XX/XX/XXXX, ( see attached ). They only advised the bureaus after my second dispute with them, see attached, XX/XX/XXXX ). See attached letter whereby they state they would advise the bureaus to update the account as disputed. Further, they acknowledge this was my second attempt to communicate with them. It was my second attempt because they did not provide substantial documentation to validate the accuracy of this alleged debt. This is a violation. The dispute with the bureaus was the first notification RentDebt Automated received and should have advised the bureaus at the time they allegedly validated the information that they should update the entry to disputed. RentDebt had over 120 days to do so and did not. RentDebt Automated Collections did not and as you can see in the attached document, it does not denote it was in dispute. This violation in and of itself warrants RentDebt Automated Collections to delete this entry. My continued efforts to remove this entry from my reports was with a direct dispute to the company. If they were previously aware of the dispute from the bureaus and advised the bureaus that the entry was correct, they were negligent in not advising the bureaus to update the account to disputed. RentDebt did not provide the comprehensive account history for this account; including but not limited to all invoices, payments, notices, documents that bear my original signature. See attached letter from RentDebt Automated Collections , LLC dated XX/XX/XXXX, where they acknowledge receipt of my letter of dispute and request for verification. RentDebt stated the account was previously closed and returned to XXXX at XXXX XXXX XXXX and they are no longer involved in collecting this account. Being this letter came directly from them, they should have directed the bureaus to delete this entry from my reports. They did not. In fact, it has been almost 180 days and this entry from RentDebt is still reflected on my report. See attached. This is yet again, mere negligence for RentDebt to not inform the bureaus to delete this entry from my credit reports because they are no longer involved in collecting this account for this alleged debt. My request is to delete this entry from my credit reports immediately. RentDebt should also pay me for the harm and detriment to my creditworthiness with their negligent reporting.
08/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30047	Web
Rent Debt Automated Collection XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Re : Acct No XXXX To Whom It May Concern : In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you sent. Please note, that your claim is disputed and validation is demanded. 15 USC 1692g I do hereby request that your office provide me with complete documentation to validate that I owe the said debt and have any legal obligation to pay you. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, and explanation of how debt was obtained. The agreement bearing my signature stating that I have agreed to assume the debt. Valid copies of the debt agreement stating the amount of the debt and interest charges, and an explanation of how this was calculated Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed, an full audit trail. Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing a CFPB complaint against you for the following : * Violation of the Fair Credit Reporting Act - reporting inaccurate information * Violation of the Fair Debt Collection Practices Act - continuing collection activity on a debt which has not been validated This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE : I would also like to request, in writing, no further contact, either in writing or telephone be made by your offices to my home or to my place of employment, unless it is to provide validation or release of liability of the debt. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for any costs and I may incur. Thank you, XXXX XXXX
04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 452XX	Web
This complaint is again st Rentdebt Automated Collection, w ho 's addressed is listed on the credit report as XXXX XXXX XXXX XXXX XXXX , XXXX TN XXXX . This is the address I sent certified letters to request them to verify the debt the letters where not deliverable evidence of the attachments provided. As you can see this complaint was initiated against the credit bureaus, XXXX , XXXX and XXXX to show the collection agency did not provide me with validation of the debt because they have a address that is undeliverable by mail. This was my augment why the debt should be removed. The debt as reported on the XXXX credit bureaus mentioned above is {$4000.00} which is not my debit and should be removed. I found online the same company claiming someone else owes nearly the same amount, the person making the complaint posted it online, below i provide a brief example of that post. I feel because the debt collection compa ny Rentdebt Automated Collec tion had a incorrect address for me to seek validation of the debt it should be removed. XXXX CFPB review In progress XX/XX/XXXX XXXX CFPB review In progress XX/XX/XXXX XXXX CF PB review R esponse disputed XX/XX/XXXX XXXX CFPB review Response not disputed XX/XX/XXXX XXXX CFPB review Response not disputed XX/XX/XXXX XXXX CFPB review Response not disputed XX/XX/XXXX XXXX XXXX , XXXX Online Complaint I found onlin e : RENTDEBT AUTOMATED C OLLECTIONS RENTDEBT AUTOMATED COLLECTIONS Contacts & Information Posted : XXXX Unknown Bill Complaint Rating : 100 % with XXXX votes Contact information : XXXX at the XXXX XXXX XXXX , Texas United States This company is claiming debt is owed on an apartment rental. They calle d six month s after we moved out saying we had been sent to collections for a broken window. Actually, I 'm not the one who received a call my roommate did. I did see it on my credit report though. This is crazy. No window was broken and no bill was ever sent out. If they do n't make a claim within 30 days of moving o ut ( a stretch in my opinion ) it 's a bogus claim. Anyone could have broken a window if a window was broken at all. This place went through XXXX managements in the 6 months we lived there. They 're poorly run. Then this collection company states we owe money. I 've yet to see a bill on this claim or a call. I refuse to pay for something I did not do to a company I do not think is legit. This company is so crooked. I moved out of an apt complex over a year ago. When I moved out, the management tried to say I left almost {$4000.00} worth of damage. What a bunch of XXXX . I disputed the charges via certified letter. I then get a call from this sham of a company stating I owe them this money. I sent them a copy of the dispute and I never heard anything else from them. But today I found the collection on my credit report even after I sent them proof.
12/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78626	Web
RENTDEBT AUTOMATED COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$6200.00} Open balance Original creditor XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Opened XX/XX/XXXX ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual I am a victim of family XXXX and by law I was allowed to break the lease without penalty as Texas law allows me to do. I am a victim of family XXXX. I was brutally attacked, XXXX, beaten by 3 members of my family. I decided to file charges against these people and was told by the detectives and Texas XXXX victim advocate that I would need to move into XXXX county and out of the home I was renting at the XXXX XXXX XXXX at the time. My attackers were family members and knew where I lived and would be likely to retaliate against myself and my year old daughter at the time. These people have protective orders filed against them in XXXX county and as of today XXXX only one of the 3 have been arrested on the charges. I did inform the manager at the time that I would need to leave after everything that had been done I could not continue to live there. My attack happened at the end of XXXX however formal charges were made against them until XXXX when I agreed to press charges and was relocated for my safety and my daughters safety. The manager there did not care the still file eviction against me and have now put it on my credit record. Section 92.016 of the Texas Property Code gives victims of family XXXX the right to vacate and avoid liability. This means a victim of family XXXX may break her residential lease without penalty and in some cases without notice. Landlords who do not allow the tenant to break the lease or who attempt to place barriers, conditions, or restrictions on the victim are breaking the law and are subject to a civil penalty of one months rent plus {$500.00}, damages, and they must pay the victims attorneys fees. I want this removed from my credit immediately. This needs to be removed within the next 30 days at minimum. I know for a fact I submitted the documents to the front office there and I took picture of the documents on the day they were delivered to the front office. I have emailed the collection company and sent through the mail all police reports and all evidence to have this removed. No one will return my attempts to reach and I have disputed this on several occasion and each time they allow this to stay on my record. I have all the documents including emails to file civil lawsuits against this company. To charge a victim of family XXXX violates the law making the landlord liable for damages to tenant. As of right now I want the item removed from my credit ASAP. It is common knowledge and against the law for a landlord to create a lease that does not allow a a victim of family XXXX to break a lease for safety reason.
06/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 303XX	Web
This is a formal complaint against Rent Debt Automated Collection located in XXXX XXXX XXXX XXXX, TN, XXXX. This account is inaccurate as the CARES ACT released funds and federal funds were utilized to cover the Landlords due to the COVID-19 pandemic. In addition, under the CARES ACT, NO NEGATIVE INFORMATION SHOULD BE REPORTED. I am requesting that the item be removed immediately as it has caused duress and other unwarranted financial and economic hardship on top of the COVID-19. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act pursuant to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter several times and have not received any proof from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. Also I sent a dispute letter to all 3 credit bureaus several times asking them to verify the account but I got a response back saying that the account was indeed verified. The following laws have also been violated by this company - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the consumer owes a debt within 5 business days. This company has caused serious harm and damage to myself and my family. This is an alleged debt that has not been proven and is still reporting on my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country.
08/22/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37604	Web	Servicemember
I have had three specific problems with an company called Rent Debt Automated Collections ( " RDAC '' ). First, they did not let me know about my option to dispute the debt. Second, after I made a payment, they refused to provide any payment confirmation, receipt, or even copy of the payment arrangement. Third, they provided my confidential information to my attorney without any information release or proof of identity. My debt with RDAC is based on an old rent balance at a apartment complex in XXXX, North Carolina called XXXX XXXX XXXX. I did not know about the balance or debt until I was applying for housing and it came up on my background check. I did not receive any court summons, notification of a judgment, or option to contest the debt once RDAC took possession. In order to resolve a current housing problem, I decided to try to set up a payment plan with RDAC. They stated the total amount was XXXX, and I gave them my bank account information to draft {$100.00} per month on the XXXX of every month. After the first payment was made, I called RDAC to request a receipt or payment confirmation. They refused to provide that information. I asked why they would not give me any proof that I had made a payment, and they told me it was their company policy to never provide anything in writing. I asked if I could see a copy of the policy, but they declined to provide that as well. After I was unable to get any proof of payment or payment arrangement, I contact XXXX XXXX of XXXX XXXX. An attorney at XXXX XXXX, XXXX XXXX, contacted RDAC to find out more information. According to him, he provided them my name and Social Security number, and they spoke with him about my account details. When he asked for a receipt, payment confirmation, or account history, they declined to provide it. When he asked why they declined, they said it was because of company policy. Again according to XXXX XXXX, he then escalated the call to a manager. XXXX XXXX again requested a receipt, payment confirmation, or payment history, and was again advised it was against their policy to provide anything in writing, " Because we found that once we provide proof of one payment, people stop making payments. So our policy is that we never provide proof of anything until there is a {$0.00} balance. '' XXXX XXXX then found a customer login portal on RDAC 's website, and asked for my login information. They provided both a username and password without receiving any information release from me or proof of identity from XXXX XXXX, only my name and SSN. Once XXXX XXXX was able to log in, he was able to access a payment history which he printed and provided to me.
04/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78232	Web
I am penning this missive to formally lodge a complaint against Rent Debt Automated Collections, herein referred to as " Rent Debt, '' due to their unlawful debt collection practices and unauthorized procurement and utilization of my personal data. Rent Debt has contravened several federal and state statutes in both Texas and Tennessee. Consequently, I respectfully beseech the Consumer Financial Protection Bureau to commence an investigation into this matter. Rent Debt has transgressed the following federal statutes : Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. Sections 1692e, 1692f, and 1692d Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. Sections 1681b and 1681s-2 Gramm-Leach-Bliley Act ( GLBA ) - Title V Sections 6801-6809 Rent Debt has contravened the following Texas statutes : Texas Debt Collection Act ( TDCA ) - Texas Finance Code, Title 5, Subtitle A, Chapter 392 Sections 392.301, 392.303, 392.304, 392.101, and 392.306 Texas Business & Commerce Code, Title 2 , Chapter 20 Section 20.05 Texas Rules of Civil Procedure Rule 76a Texas Deceptive Trade Practices Act ( DTPA ) - Texas Business & Commerce Code, Title 2 , Chapter 17 , Subchapter E Section 17.46 ( b ) ( 12 ) Rent Debt has potentially breached the following Tennessee statutes : Tennessee Fair Debt Collection Practices Act ( TFDCPA ) - Tennessee Code Annotated, Title 62, Chapter 20 Sections 62-20-105, 62-20-106, and 62-20-107 Identity Theft Deterrence Act - Tennessee Code Annotated, Title 47, Chapter 18, Part 21 Section 47-18-2107 The infringements encompass Rent Debt 's endeavors to collect a debt that has, in fact, been satisfied, the procurement of my personal data without a legitimate purpose or my explicit written consent, the implementation of belligerent, vexatious, or abusive stratagems during debt collection efforts, and the failure to adhere to the registration and bonding stipulations mandated by Texas law for third-party debt collectors. I entreat the Consumer Financial Protection Bureau to scrutinize Rent Debt 's collection practices and the potential violations of federal and state statutes. Furthermore, I advocate for collaboration with the Texas Attorney General 's Office, the Tennessee Attorney General 's Office, and other germane state and federal authorities to ascertain that Rent Debt is held accountable for their actions, desists from unlawful collection endeavors, and complies with all pertinent laws. I express my gratitude for your consideration and attention to this matter. Yours sincerely, XXXX XXXX
01/18/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 752XX	Web
Dear Complaint Handling Associate or Department, On XX/XX/XXXX, I provided notice to XXXX XXXX ( " XXXX '' ) that I would be terminating my lease. On XX/XX/XXXX, XXXX ( a XXXX associate ) executed the Notice of Intent to Vacate document as prescribed by the Lease Agreement ( " Agreement '' ) : both documents are attached for reference. On XX/XX/XXXX, I followed up with XXXX to ensure what was due sinceXX/XX/XXXX was my last day as a tenant. As of my move out date, XXXX provided with my final amount due. Please see the email attached that states I owe {$990.00} to terminate my lease. Additionally, I have a {$200.00} security deposit that will be used to pay the sewer bill. I assumed I would actually be refunded some monies. I had heard nothing else from XXXX and assumed everything was resolved since I took the tedious effort to ensure all of bills are paid. While back home for XXXX, my father inquired about my financial situation and to my surprise, I learned that XXXX had sent a collection letter, via RentDent, to my father 's address and addressed to my father. My full name is XXXX XXXX XXXX XXXX The letter was addressed XXXX XXXX, which I can assume is what XXXX provided RentDebt. Additionally, the address provided to RentDebt was not an address I provided to a third-party. I provided the XXXX XXXX XXXX, XXXX, GA XXXX address solely to have my mail forwarded from XXXX. I never authorized any third-party having access to my father 's personal address and would certainly not provide consent to do so. Only XXXX was authorized to " forward mail '' to that address. I being this complaint to you alleging FDCPA - Misrepresentation of Debt claims, FDCPA - Third-Party Disclosure claims, and GLBA - Privacy Notice claims pursuant to the above allegations. XXXX is owed nothing from me as stated by the associate on my last day of residency ; this is an official dispute. Additionally, I am extremely embarrassed that you shared my financial information and debt issues with my father. Furthermore, XXXX should have never provided you the {$21.00} XXXX forwarding address : the Notice of Intent to Vacate did not contain the respective disclosures for sharing of that information with RentDebt ( a third-party ). Additionally, please advise if this matter has been reported to any credit bureaus. Please advise how you 'd prefer to resolve these issues : I prefer not to entertain legal avenues. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
02/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37130	Web
1.I have never had an account with this company RENTDEBT AUTOMATED COLLECTIONS, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are RENTDEBT AUTOMATED COLLECTIONS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
05/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NM 87031	Web
Sent to Debt collector I am following up after receiving your letter. It does not show that they responded to my request for an itemization of debt. The original information they sent also did not have the actual debt amount, minus any credits attached. They did not provide me with accurate and required information/documentation. They sent me the collection notices on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, according to the picture XXXX provided of the email transactions. The CFPBs debt collection rule requires debt collectors to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within five days of their first communication with you, and it may be sent by mail or electronically. This information will help you recognize whether the debt is yours and, if not, how to dispute it. This notice generally must include : A statement that the communication is from a debt collector Your name and mailing information, along with the name and mailing information of the debt collector The name of the creditor you owe the debt to It is possible that more than one creditor will be listed The account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt I responded on XX/XX/XXXX saying this is the first notice of anything owed. I need an itemized invoice of the damages youre claiming. I responded again on XX/XX/XXXX saying Again, I need an itemized invoice of the damages you are claiming. I asked this in response to the first email you sent me a few days ago. No itemization provided proving I owed debt, nor a way to dispute debt was proved within 30 days of me requesting debt validation. XXXX sent a itemization on XX/XX/XXXX, 8 months after I initially requested the information. I need validation of the them sending me debt validation within 30 days of my initial request. Said debt validation will need to show that it had the full amount owed, what was owed, minus any credits and all additional information requested above.
10/14/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 355XX	Web
DISPUTE # 1 Rent Debt of {$500.00} attempted to be collected twice. One account of {$500.00} on my credit ( XXXX XXXX ) and on my fiancs credit ( XXXX XXXX ) statement received 1 ) does NOT have my name on it and 2 ) Reflects ONLY {$500.00} owed TOTAL. I am disputing that 1 ) I do not owe {$500.00} bc my name is not on the move-out statement that documents the {$500.00} and 2 ) I am disputing that we should have been charged a combined {$1000.00} from this company when the document provided to each of us only details a total of {$500.00}. The paperwork from this Rent Debt was sent/mailed to the apartment that we owed debt on in XXXX XXXX name. How does that make since? How could I have received the paper work to dispute this when it was clearly sent to a address We/he didnt live at. Yet the same paperwork he received was mailed to a different address a very old address for me, the address belonging to the person in dispute # 2. Where this company is trying to charge us each the {$500.00} when the paperwork doesnt reflect that. DISPUTE # 2 Rent Debt of {$1200.00} attempted to be collected from myself ( XXXX XXXX ) with the name of XXXX XXXX on the move-out statement. My name was taken OFF the lease of this apartment in late XXXX of XXXX. Not only was my name taken off the lease the apartment manager agreed that she remembered doing my roommate release and the name of the person added in my place was XXXX XXXX. I am disputing this balance because I was not involved and my name isnt on the document. The paperwork for this debt was even sent to XXXX XXXX home yet the debt was put on me, someone who wasnt even on the lease during move out? ( Even then why wasnt the debt put on both applicants like what was attempted on dispute # 1 and on this debt I am not even involved in all debt was put on my credit? ) [ Also night I add that If I had owed the XXXX some dollars why would the manager of the complex in dispute # XXXX have rented to me again, they are both run/managed by the same person/company. Paperwork has been very messed up somewhere and if not cleared I will be getting a lawyer, not to settle but to further dispute ] I was listed only on this lease as a co-applicant because management told me I didnt meet the income requirements. ( still took my name off the lease before move out ) I do not give this company permission to contact me by phone. Last attempt to settle this without a lawyer XX/XX/XXXX
10/23/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 38506	Web
My daughter and I lived with XXXX XXXX in XXXX, Tn for over 5 years. In XXXX 2017, I ended up moving back home with my parents to help them financially until my dad was able to get his XXXX. My deposit when I moved in was {$550.00} which was also my rent amount every month. I am a single mom with one income no child support who struggled to make it but I always paid my rent. There were times that I was late paying it but always paid it before the XXXX of the month which is consider the eviction date. So they would tack on the late fees of {$50.00} a month which is fine because that was in the lease, I would pay over the amount of my rent ( {$550.00} ) when I had the extra to pay my late fees. I never caused any trouble at my apt . I never had any complaints from them or my neighbors, I never complained to them about anything, in the 5 years I lived with them I only called them 2 or 3 times to come fix things because I would do it my self. The ladies that run the office at XXXX have never been the friendliest people to encounter, they are usually rude and short ( not just to me, but everyone, I have had people tell me they walked out of there office before even looking at any properties because they were so rude ). So my complaint and issue with them is, the guy told me on my exit inspection that my apartment looked great and I would get my full deposit back, which I knew I would not because I had some late fees that I owed. They sent me a letter a couple months later stating that I owe {$580.00}. I called them asking how in the world do I owe that much when you still have my deposit of {$550.00}. They stated that they can not use my deposit toward my late fees, which makes no sense what so ever. I basically only owe them {$30.00} but they wanted me to bring in {$580.00} and them turnaround and mail me my deposit back. I told them I would bring the {$30.00} to them but never got around to it because the last few months have been hard as my dad has been sick in and out of the doctors and hospitals, my mom is about to have XXXX, just a lot going on. They have now turned me over to collections ( Rent Debt Automated Collections ) but in the amount of {$780.00}, I am not paying that when they still have my {$550.00} deposit and I technically only owe them {$30.00}. I will gladly drop off {$30.00} to them. The collection amount is incorrect and should not be on my report for that amount.
08/31/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 75060	Web
I was tenant at XXXX in XXXX XXXX XXXX from XXXX, XX/XX/XXXX to XXXX, XX/XX/XXXX. I have tried multiple times to get this debt removed as I dont own this debt. The problem is that when XXXX was transferring management it happened to be the same month I was moving out ( XX/XX/XXXX ). I reached out multiple times to make sure there was nothing I needed to do and they said everything was good. On XX/XX/XXXX I had a impact to my credit and attempted to dispute they declined so I went to XXXX and advised I never had debt with them and everything was paid off. They advised I didn't put my 60 day notice but I had a email ti back me up they said they would look into it and get back with me. After the 2nd attempt with XXXX they were able to provide me a breakdown of the debt : past due rent, damages, and internet past due. I never once got any notification of this debt where I provided my forwarding address and email. It went straight to collections and is affecting my credit and preventing me from buying a home. When in fact I have always paid all my bills and taken good care of my credit. I tried to go to the XXXX and explain the situation where they would ignore me even tho I showed the proof of every payment and videos. The assistant manager had no other choice but to get the regional manager involved and would reach out to me. XXXX stated theres nothing we can do, that is what avion left. They in fact didn't reach out but when I called back they advised me regional manager said to contact the XXXX XXXX. I attempted them multiple times as well and nothing. I got confirmation from XXXX as well since they are my current providers that the balance was {$0.00} on there end as well. Below I attached certified mail, letters and bank statement to confirm everything I have tried. They need to remove this debt and stop having be go in circles with the same answer pointing fingers while I am being defamed and unable to purchase a home. I am mother and I work very hard not being able to purchase a home for my daughter and having to move back in with my parents has affected my mental health. Its really sad to see my credit being affected for something that is not true. The XXXX needs to be looked into because I am not the only person I attached other people that are having the same issues, I wouldn't be surprised if there are many more people.
11/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web
I do not know if the debt actually exists, but if it does exist, it is not mine. I moved out of an apartment 18 months ago. I had given a move-out notice months in advance, but the month we lived out, my roommate decided to stay. The property XXXX had the roommate sign a release, releasing husband and I from the lease agreement. The release took effect on the last day of the lease ( XX/XX/XXXX ). The apartment complex continued to contact me about the apartment, and I asked them to stop contacting me, as I do not have a lease with them. I eventually had to go in and write a statement becuase they lost my entire file except for the original lease and any documents relating to the roommate after we moved out. They agreed and stopped emailing me except for a couple emails when the roommate moved out. But nothing regarding a debt. My old roommate moved out about XXXX months ago. And I just received a call form a debt collector ( XX/XX/XXXX ) saying they the property XXXX imposed a claim against me for a total of {$310.00} for cleaning, damages, service fees, and water. They could not provide me with any documentation, and proof of damages or debt, or the dates the debt accrued. I also was not informed within 30 days of terminating my occupancy, as required by Florida State law. I told the collector the I hadnt lived in that apartment for 18 months and that the imposed claim was not mentioned until they called me. I then called the property XXXX. The XXXX of the office told me that they misplaced documents again and that if she cant find my file and the release then I am still responsible. I told her that I had given a move out notice, was signed off the lease, and wrote a statement for them when they lost the file the first time. After telling me that she would hold me responsible if she cant find the file, the XXXX said she would call me back later that day. Its been a week and she refuses to take my calls and tells her secretary not to let me speak to her. I called the debt collector back and they told me if I dont pay it, they will have to report it and it will hurt my credit. Ive exhausted all avenues. The property XXXX and the collections agency both refuse to provide me with any documentation or rational for the imposed claim and refuse to acknowledge that I moved out 18 months ago.
06/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93307	Web
Hello. Thank you for taking my complaint and assisting me with this matter. The reason for my dispute is because I am having a very difficult time with a collector who has already admitted the collection account they are working is not valid. Back on XX/XX/XXXX I hired a firm to assist me with dealing with a collector because they were collecting an amount I know is not owed. To make this complaint short yet concise, since XX/XX/XXXX, we have been attempting to have this collector prove that this debt is real. We've asked for itemization and contracts and have technically received both. The problem is that their own contract proves this debt is not legitimate. After 2 months and several conversations with multiple collectors later, my representative spoke with a collections manager named XXXX XXXX at XXXX XXXX. XXXX XXXX is the name of the collection agency. XXXX XXXX admitted in their conversation on XX/XX/XXXX that the itemization was faulty due to the language in the contract. XXXX XXXX is charging me a forfeiture of deposit fee for the same amount of my deposit even though I left the apartments in good standing and was even given a {$250.00} pet deposit reimbursement back for doing so. Because they are charging me a forfeiture of deposit fee, instead of deducting minor cleaning charges and reimbursing me the remainder of my normal deposit, they are now charging me {$350.00}. On XX/XX/XXXX, the account had been in dispute for 51 days through my representative. Because the F.D.C.P.A. only allows 30 days to validate the debt which in this case it wasn't since the contract did not support the itemized charges, my representative demanded a removal within 24 hours or this complaint would be filed. XXXX said she would ask questions to her client and call him back. She never did. Today, my representative gave them one last chance to remove the account from the credit report since no response or correction or proof of any kind had been provided, and now the manager XXXX XXXX is not around to adhere to the F.D.C.P.A. and apparently no one else in the office can assist with this. It has now been over 60 days and this account still lingers on my credit report. I am asking that you assist me in getting this company to follow the law and stop collecting a debt they already admitted isn't legitimate.
05/22/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	SC 29650	Web
My name is XXXX XXXX I have received a mail from a Company that called : RentDebt Automated collections that located in XXXX XXXX XXXX XXXX, TN XXXX. The company have have asking me to pay off amount of {$1700.00} XXXX for a statement date XX/XX/XXXX that they've thought I owe to the listed creditor. The debt collector company have disrespectfully had a several attempt to contact me by phone in an unreasonable hrs from an unknown numbers. This debt collector company is deliberately searching for my personal information and data such as SSN, Bank account, credit cards number, addresses and contacts etc. I HEREBY DECLARE THAT I HAVE LEFT THE STATE OF FLORIDA AND CREDITOR 'S PROPERTY WHO THEY HAVE TRYING TO COLLECT DEBT FOR. AT THE DATE XX/XX/XXXX AND ARRIVED IN XXXX, SC AT THIS DATE! I HAVE A COPY OF THE LAST RECEIPT OF THE FULL PAYMENT THAT I HAVE MADE FOR XX/XX/XXXX BEFORE I LEAVE THE PROPERTY BY THE END OF THE MONTH XX/XX/XXXX. ALSO I DO NOT HAVE ANY AGREEMENT WITH THE DEBT AND I HAVEN'T GIVE ANY PERMEATION TO THE DEBT COLLECTION TO HAVE MY NON PUBLIC INFORMATION. THIS LETTER CONTAINS : 1. Copy of the mail that collectors have sent to me. 2. Copy of the receipt that proofs the full paid amount rent for the last month XX/XX/XXXX before leaving the property 3. Copy of my auto insurance policy issue date that proofs I am in the state of South Carolina. I've submitted this letter as a complaint to CFPB and humbly asking for a protection against RentDebt Automated Collection who are in process of impacting my life, I also need a protection on my personal data that been breached by XXXX XXXX XXXX, such as SSN, Bank, Credit Cards etc. In order to cause a potential problems, also I need a protection on my personal information from being forwarded or sold to any other company by RentDebt Collector. I understand that personal privacy, data and information of any individual who are living on the land of XXXX XXXX of America are a human rights matter, I understand that I am under such protection against any corporation/ organization who have trying to cause threats, fear, stress or potentially a negative impact to resident of XXXX XXXX or practice any bias algorithm or cause lose of confidentiality. Sincerely XXXX, XXXX
05/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32258	Web	Servicemember
I lived at the XXXX XXXX XXXX in XXXX, LA for over 10 years. In XX/XX/XXXX I gave XXXX XXXX XXXX a written notice of my intent to vacate the property on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX gave me my final bill. I inquired at that time if there were any additional information I needed to submit and if there were any anticipated barriers or issues that I need to address. The manger informed me everything was in order and her exact words were, You are good to go. I spoke with the manager again on XX/XX/XXXX to TRUST BUT VERITY to ensure there were no anticipated barriers or issues relating to my XX/XX/XXXX move out date, and the managers response to me exactly was We already got your apartment rented. On XX/XX/XXXX, the military moved me out of XXXX XXXX XXXX to XXXX, FL, where I am still residing. I never received any further correspondence or telephone calls from XXXX XXXX XXXX after vacating the property. But in XX/XX/XXXX, well after I moved out of the XXXX XXXX XXXX, I noticed a collection account on my credit report from RENTDEBT AUTOMATED COLLECTIONS, on behalf of XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX to speak to management, since I had lived there for over 10 years, to ascertain why this collection account was on my credit report. I was informed that the property manager was busy and would return my call later. I never received a return call from the property manager. Instead of receiving a call from the XXXX XXXX XXXX property manager, I received a call from RENTDEBT COLLECTIONS. I told the RENTDEBT COLLECTIONS representative that THIS IS NOT MY DEBT and requested to receive correspondence via the U.S. Postal System regarding the collections account, as this collection account was placed on my credit report without my knowledge. I did not receive any correspondence from RENTDEBT COLLECTIONS until three months later XX/XX/XXXX after I contacted CFPB. I believe if not for the CFPB, I would have not received any information about this collection. I have attached copy of my 30 plus day notice to vacate, copy XXXX XXXX and copy of Louisiana Laws Rights of military personnel to terminate lease. Thank you in advance for your assistance in this matter.
02/25/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29650	Web
My name is XXXX XXXX. I have received a mail from a company that called : RentDebt Automated collections that located in XXXX XXXX XXXX XXXX, TN XXXX. The company have asking me to pay off amount {$1700.00} USD for a statement date ( XX/XX/XXXX ) that they've thought I owe to the creditor listed. This debt collector company have a several attempt to contact me by phone in an unreasonable hrs from an Unkown numbers. This debt collector company is deliberately searching for my personal information and data such as SSN, Bank account, credit cards number, addresses or contacts etc. I HEREBY DECLARE THAT I HAVE LEFT THE STATE OF FLORIDA AND CREDITOR 'S PROPERTY WHO THEY HAVE TRYING TO COLLECT MONEY FOR AT XX/XX/XXXX AND ARRIVED IN XXXX, SC AT THIS DATE! AND I HAVE A COPY OF THE LAST RECEIPT OF THE FULL PAYMENT THAT I HAVE MADE FOR XX/XX/XXXX BEFORE I LEAVE THE PROPERTY BY THE END OF THE MONTH XX/XX/XXXX. This letter contains : 1. copy of the mail that collectors have sent to me. 2. copy of the letter that I have sent to the collector as respond. 2. copy of receipt that proofs I have paid the full amount rent of the XX/XX/XXXX. 3. copy of my auto insurance policy issue date that proofs I am in the state of South Carolina . I've submitted this letter as a complaint to CFPB and humbly asking for a protection against RentDebt collection who are in process of impact my life, I also need a protection on my personal data that has been breached by Debt Collector act, Such as SSN, BANK, Credit Cards etc. In order to cause a potential problems. also I need a protection on my personal data/ information from being forwarded or sold to any other company by RentDebt collectors act, I understand that personal privacy, data and information of any individual who are living on the land of United states of America are a human rights matter, I understand that I am under such protection against any corporation/ organization who have trying to cause threats, fear, stress or cause potentially negative impact to the residents of US. Or trying to algorithm/ or discriminate an individual, in order to cause lose of confidentiality or any other purposes. Sincerely XXXX, XXXX
12/30/2019	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL XXXXX	Web
On XX/XX/2019 I received a call from one of XXXX XXXX/ RD ACs associates ( XXXX XXXX ) before XXXX ( the Fair Debt Collection Practices Act specifically states that debt collectors can only call between XXXX and XXXX ). She left a message stating that this was an attempt to collect a debt by a debt collector. Later that day, I made 3 attempts to call XXXX XXXX/ RD AC back, but each call went to voice mail. I left messages disputing the debt they claim I owed, and asking for them to give me an address that I could forward my documentation to. I never was given this information. On XX/XX/2019 I made another attempt to return XXXX XXXX/ RD ACs call and Ms. XXXX answered. Before any information about a debt XXXX XXXX or RD AC claims I owed was divulged, Ms. XXXX asked me to verify my date of birth, address, and the last 4 digits of my social security number. Since I have never met Ms. XXXX, and the sensitive personal information that she was requesting I verify can be used by anyone to steal someones identity, I immediately felt uncomfortable. I explained to Ms. XXXX that I was uncomfortable with divulging my sensitive personal information to any entity or individual that I did not know. Ms. XXXX then intentionally attempted to mislead me by stating that by federal law, she could not discuss any information with me before verifying my sensitive personal information ( no such law exists ). She then hung up the phone. I called back and Ms. XXXX answered. I asked her to forward any information that she had to the mailing address on file and then we could proceed. She reiterated that she could not proceed in any way unless I verify my sensitive personal information first. I refused to do so and ended the call. Due to XXXX XXXX/RD ACs negligence to provide me with a forwarding address, I had to find one for them : XXXX XXXX XXXX XXXX, Tennessee XXXX. I mailed XXXX XXXX/RD AC a debt validation request on XX/XX/2019. Within five days of its first communication, a debt collector is required to send a written debt validation notice. Today is XX/XX/2019, over 3 weeks since XXXX XXXX/ RD ACs initial contact and I am yet to receive any form of debt validation.
09/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30315	Web
NOTE : My name was previously XXXX XXXX. I got divorced and legally changed it back to my maiden name- XXXX XXXX. Either name may show up on records here. On XX/XX/XXXX, I received a final statement and ledger via email from XXXX on the XXXX apartments ( a carter haston community ). I will attach it here. It indicated that I did not owe anything after moving out of my apartment ( XXXX ) ; I was paid in full. Additionally, the statement indicated that the community in fact owed me money. I did in fact recieve that money promptly. Then, at the very beginning of XX/XX/XXXX, I received a letter from XXXX indicating that I owed XXXX -- an amount I had never seen or heard of before. I tried contacting XXXX on the XXXX via email and phone at least 8 times over the following few weeks but did not receive call backs or confirmations that action was being taken. Finally, I was able to get through to XXXX XXXX, who told me she would return my call after having a chance to look over my ledger. A full week later, I still had not heard anything back. So, yesterday, XX/XX/XXXX, I called the community again and was informed she would be calling me back by close of business. Again, I heard nothing. This morning, XX/XX/XXXX at XXXX XXXX, I finally received an email from XXXX XXXX It indicated that she couldn't tell where the account balance came from as she could only see my account so far back as XX/XX/XXXX ( I lived in the apartment complex starting in XX/XX/XXXX ). She sent the ledger she did have, which at no point shows why I supposedly owe this amount. It just exists somehow. I have tried to call and email back, with no response. I have also called the XXXX XXXX at XXXX XXXX ( XXXX XXXX ) and left a message with no response. I also have mailed the XXXX company with my dispute, prior to the date they indicated they needed it by. ( Mailed XX/XX/XXXX, due XX/XX/XXXX ) This is absolutely unfair and outrageous. I will not pay this debt as there is no way to show where it came from and it conflicts directly with all of the information i was provided by the complex throughout my move out process. Thank you for your help.
10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75022	Web	Servicemember
In XX/XX/XXXX I received orders to deploy immediately via permanent change of duty station and had to move out of my apartment with short notice. The apartment complex was XXXX on XXXX in XXXX Texas at XXXX XXXX XXXX XXXX. Upon move out a water valve in the apartment for the washing machine failed and caused flooding. This equipment failure has nothing to do with my actions and caused a very stressful situation in my apartment trying to get the water shut off. The apartment complex added almost {$400.00} in water abatement fees to my final rent statement, which I disputed as I was not at fault in the matter. During the dispute timeframe XXXX on XXXX changed management companies and the new management company ignored my dispute and sent the statement into collections. Rentdebt inc received the collections notice and notified me. I contacted XXXX on XXXX to continue the dispute and explain the situation. XXXX on XXXX offered to review the final statement and while I awaited the results of their review the account formally entered collections. I have contacted rentdebt and paid the original amount owed in XX/XX/XXXX as I felt there was no recourse for me. I am a federal employee with a clearance and I am applying for new federal positions which do not accept applicants with accounts that have been in collections ( Army Chaplaincy and a federal law enforcement agency ). I know there are consumer protections to prevent property management companies like XXXX on XXXX from erroneously charging excessive or unfair fees upon move out but at this point I feel like a victim of a massive real-estate company sticking me with the cost of their lack of building maintenance and have no other recourse than to continually dispute the entire affair. I have explained the situation to Rentdebt inc and they have refused to remove the account from my credit report. I have disputed via XXXX twice with no change. Please investigate and assist me with this predatory leasing/landlord situation. XXXX on XXXX leasing office can be contacted at XXXX and rentdebt inc can be contacted at XXXX. I can be contacted at XXXX.
05/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30260	Web
Apparently for some reason, RentDebt Automated Collection. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the XXXX major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed. I disputed this account back on XX/XX/XXXX on my XXXX , XXXX and XXXX credit reports to no avail. XXXX XXXX XXXX . continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? I have yet to receive anything within the allotted timeframe which is a violation of the FCRA.. In the US Law Encyclopedia, A XXXX XXXX XXXX XXXX XXXX XXXX . Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that RentDebt Automated Collections. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. XXXX XXXX XXXX is blatantly disregarding the law.
08/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45044	Web
Hi, I cosigned for my brother to live at XXXX XXXXXXXX XXXX in XX/XX/XXXX. He had made all payments for his rents, and when it was time to move out, he made the final payment requested. We talked with XXXX at the apartment office and she told us our {$200.00} caution will be used in case my brother got charged for leaving before the end of the month.She even recommended that my brother rent from one their sister apartments in Indiana where he was moving because he had been in her own words a " good tenant '' My brother moved out of XXXX XXXX on XX/XX/XXXX. To my shock and horror, in XX/XX/XXXX, I got a collections on my credit from a debt collector called rent debt, stating my brother was owing {$270.00} when he moved out. We had received no letter informing us of the debt nor had we received any request for payment from XXXX XXXX. None of our calls to XXXX XXXX have been returned for clarification. The creditor on my report is showing up as XXXX XXXX, a company I have never done business with. It was only after requesting a debt verification from rent debt collections that I realized the company involved was XXXX XXXXXX/XX/XXXX.The worst part is this false collections reporting has dropped my otherwise stellar credit score by over 90 points.All attempts at disputing the debt with rent debt have been futile. They claim the collections can only be taken off my credit report if XXXX XXXX confirms with them the account is not delinquent. I will like for XXXX XXXX to accurately report my account status to rent debt or at least request the alleged debt from me and give me a chance to pay it before taking such a drastic and punitive step of destroying my credit, and therefore my livelihood. I do not think it is common practice in the industry to send account to collections within a month of being owed and without requesting payment from the consumer first. How can i pay a debt i do not even know i owe? I will really appreciate your intervention, to help with the quick resolution of this matter with XXXX XXXX XXXXXX/XX/XXXX and rent debt automated LLC. Thank you.
09/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 45044	Web
Hello Sir/Madam, Since XX/XX/2018, I have had the misfortune of dealing with rent debt collection LLC. They reported an account in collections on my credit report. They claimed the account was delinquent in XX/XX/2018 after my brother moved out of his apartment where I had cosigned him. Contrary to standard practice in the industry, they did not contact me or my brother to request the amount they claim we owe. When I filed a complaint with your agency earlier this year, rent debt claimed the apartment complex had sent a request for my brother to pay this debt at XXXX XXXX XXXX, XXXX. I find it hard to understand the reasoning behind a landlord sending mail to a tenant at the address the tenant just vacated. This landlord should have known the tenant will not get that mail as they no longer lived there. I contacted XXXX XXXX at XXXX XXXX XXXX about this supposed debt. To my consternation, she reported to me my brother owed {$72.00} and not the {$270.00} they have been reporting on my, and my brother 's credit reports. XXXX also went on a ramble about how my brother had spoken to her rudely while he was living there. After my conversation with her, I deduced this individual was trying to settle her personal scores with my brother using the credit reporting system. I filed another dispute with XXXX reporting agency, and sent them XXXX XXXX e mail to me, stating a debt amount of {$72.00} contrary to previously reported numbers so they could understand that this was all fabrication from this individual.My hope was that rent debt LLC will investigate this matter more thoroughly than they have done in the past, and clear it up once and for all. Apparently, someone at RentDebt LLC is not doing their job as they should, and still reported this debt as accurate - even with email proof of the discrepancy in the debt claimed by the supposed creditor. I am coming to you because I believe in your mission to protect us consumers. I do not think XXXX XXXX should be allowed to settle her personal scores with people using the credit reporting system. Thank you
11/02/2017	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
XXXX XXXX, Please answer the questions that are with in the complaint and not a computer generated response that has been indicated in every response that you have submitted. Please provide the proof of notice that was mailed on XXXX/XXXX/XXXX and a statement from the property that the assumed debtor was occupied by XXXX XXXX at the time of mailing. This is to verify that an actual NOTICE was ever sent within the time frame of the law. Also please provide the matching identification ( government issued XXXX to the contract that you are stating that I have with MOSIAC. Verification must be verified with the actual presented documents. I will continue to communicate with you through this portal because to secure a XXXXaper trail in this next process. Again, please attach the actual letter that was actually sent to XXXX XXXX XXXX XXXX. Addressing me and all information that is required within the 5 day timeframe, thanks. Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. XXXX XXXX please provide your title with the company XXXX.
12/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75211	Web
On XXXX XXXX 2021 RENTDEBT AUTOMATED XXXX and collection account was removed from my credit report however, it was added back XXXX XXXXXXXX 2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.
02/19/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IA 503XX	Web
XX/XX/2014 I signed a lease for an apartment at XXXX XXXX in XXXX XXXX IA. I had tried to get them to show me the apartment I would be getting that whole week, prior to me signing a lease. The first time I had gone to look at this complex, they took me to a model unit. I had asked if my apartment would look just like that. It had all new cupboards, counters, carpet, paint etc. The model was immaculate. The day I signed they scheduled me for the last appointment for the day and rushed me through the process, not giving me a walk-through of the apartment I would be getting prior to signing. They gave me the keys, I drove to the apartment, walked in and was so devastated to say the least. It was awful! Nothing like the model unit. It had gross closets with mold, the place smelled musty the cupboards and counter tops were old, the carpet old, the deck looked like it would fall apart if you stepped on it ... I drove back to the office to give them the keys back but they had closed and locked up already. I called and left a message that I would not be renting from them and would be returning the keys in the morning. I had everything lined up to move and nowhere to go. They caused me so many problems and money by fraudulently getting me to sign that lease. I had to pay for the moving van that I didnt use that day and find another place to move at the last minute. I recently checked my credit which is how I found that I still have this collection acct showing active/open with a balance of {$3000.00}. This is over 5 years old. The collection company listed is Rentdebt automated collection. I am reporting XXXX XXXX for their unfair practice, for this erroneous collection amount. I will be sending a letter to the credit bureaus demanding they remove this collection account. I'll file a complaint with the Consumer Protection Division of the Iowa Attorney General 's office and will be sending a registered letter to the apartment complex owner demanding they remove this debt and show as satisfied.
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91950	Web
I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( XXXX XXXX XXXX, XXXX XXXX XXXX, RENT DEBT AUTOMATED COLLECTION , ) willfully violating the FCRA. Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.
02/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91764	Web
1. I have never had an account with these companies XXXX XXXX XXXX XXXX with Account Number : XXXX, REMOVE from all credit reporting agencies that's reporting. 2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are XXXX XXXX XXXX XXXX the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )
10/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76210	Web	Servicemember
Rent Debt is stating I ( and my husband ) owe XXXX for vacating the XXXX at XXXX XXXX XXXX. The leasing manager at that time, XXXX told us in XXXX of 2019 that if we moved out and gave 60 days notice we would be okay and they would take care of us as far as any fees are concerned because she would have no problem leasing our prime location, 1st floor apartment. The alternative was hoping to get us a 3 bedroom in the community as I was pregnant and there was no room in a 2 bedroom apartment for what would have been 5 people. I did not get this in writing as she had been the manager our entire time there. We did give 60 days notice. 2 weeks before move out XXXX was transferred to who knows where and the new manager had no knowledge but would reach out to her and take care of us. Clearly she did not. Upon move out I was not told of any fees from the complex. Rent Debt is trying to collect. They are rude, and unhelpful. I also have a charge for a pet fee. I have a service animal. Im a United States XXXX XXXX XXXX with a service animal - a well trained one - what clean up fee does a house trained dog require? They charged me to clean the carpet, I can understand that. After 2 small boys lived there I would want them cleaned too but what is the pet cleaning? Its outrageous and a scam at best. My apartment was leased IMMEDIATELY after we moved out. I know because I went back because I left a doormat out on the patio and thought I could grab it but someone was already moving in 1 week later. So why the fee?? I called rent debt to ask what they needed from me to paperwork wise to get this resolved. The rep said whatever you want to send. Im like okay so do you want my dogs papers? Do you want my 60 day notice? Do you want my XXXX paperwork showing why we were leaving? He said whatever you want to send. WHAT??? What kind of person works in customer SERVICE and forgets theyre there to provide SERVICE like??? Honestly disgusting and disappointing.
10/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 355XX	Web
I cosigned a lease for a now ex-girlfriend named XXXX at the XXXX XXXX XXXX in XXXX, Alabama in XXXX of XXXX, because they rented based on income and hers alone was not enough. It was made clear that I was only signing to allow them to rent the apartment to her and I would not be assisting financially nor living there. In XXXX of the same year, I called and asked the apartment manager if I could be removed from the lease without it affecting XXXX. She said yes and to come sign the Roommate Release forms and relinquish my key to the apartment. I went there immediately, signed the paperwork and handed over my key. I do not know how much longer XXXX continued to live there but I was told that I was no longer responsible for nor allowed access to the apartment upon signing the paperwork. On XX/XX/XXXX of XXXX I received a letter from a company called RentDebt that said I owed {$970.00} to the apartment complex. I emailed them immediately and told them practically what I stated above, the debt was not mine, and gave them all information I had so they could track down XXXX. On XX/XX/XXXX they called me trying to collect. I told them I had already emailed them, the debt was not mine, and I would not be paying it and they hung up. On XX/XX/XXXX they filed the collection on my credit report. I immediately disputed it on XXXX 's site and when it appeared on my XXXX report a few days ago I disputed it thru XXXX. The same day I also left a review on the XXXX XXXX 's XXXX page about the situation. On XX/XX/XXXX, the apartment manager sent me a private message stating " Someone else was handling the accounts that had balances. I do believe I recall doing the roommate release. I will check on this and get back with you. '' I haven't heard from her again. Someone else contacted me about it, stating they too were in the exact same situation, having signed a roommate release and were being hit with a collection even greater than mine.
07/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 959XX	Web
1. XX/XX/XXXX (? ) XXXX, finished moving out with board member XXXX XXXX 's help. She took photos for me and cleaned the windows, noting the worn out but not broken by me equipment. I shampooed the carpets last. Perfectly clean, no damage. Put unwanted mattress out front exactly like move out instructions. There was no damage, and I was paid up. 2. No bill sent to me ever. CA law demands in 1950.5g1 that the bill be sent in 21 days, let alone bill before going to collections. My first knowledge, and later confirmed their first contact, was to send it to collections without billing me. Per CA law, they had to bill me immediately so I could challenge the bill. They did not, so there is no bill per California law. Even without that law, this can't have gone straight to collections. 3. Many months later, learning that my credit was destroyed, I contacted XXXX XXXX, my renter 's insurance I maintained the entire time. Adjuster is XXXX XXXX - XXXX XXXX. She contacted XXXX XXXX and RDAC and for a bill, and they gave a loose summary, of half the original amount. She asked for a bill she can actually pay. She then asked me if XXXX should pay it, and as it would have been paid after being in collections some time and not go off my record, I told her not to so it wouldn't stay on my record as paid after months in collections. 4. Asked by RDAC, XXXX, and whoever, the local manager refused to correct my file, on repeated contact for months ... She refuses, even though I have evidence against her. It would take thousands to go to court for {$750.00}, so she is intentionally ruining my credit and ability to move to any rental ever. {$750.00} for destroying the place keeps me from renting anywhere ever. 5. Recently finding that my credit rating is still destroyed even though I disputed this on credit reports, I disputed this and XXXX already came back saying it stays on my file. Per XXXX, you are the next agency to contact.
01/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30253	Web
I am writing this complaint letter for Rent Automated Collections. Their address is XXXX XXXX XXXX XXXX TN, XXXX. They are reporting this on my credit report, RENT DEBT AUTOMATED COLLECTIONS- XXXX XXXX XXXX XXXX for {$1000.00}. I contacted them to have this debt verified since I filed bankruptcy last year. They sent me a bill and stated that the debt it valid. As this is not a valid debt. I do not owe a balance to this property, period. I tried calling the original creditor, XXXX XXXX and I learned that they no longer exist. The property is under a new name XXXX @ XXXX and management. The property manager advised me that there was no record of my rental history or balance. I continued to research this matter further. Enclosed is the original lease as well as the last payments I made on the account. I signed a six-month lease which ended XX/XX/XXXX. Per property policy, I gave my 60-day move out notice onXX/XX/XXXX moved out onXX/XX/XXXX. I paid my final month of rent which was {$940.00} onXX/XX/XXXX. Upon leaving, I provided them with a forwarding address for my last bill. Roughly a month later, I received a final bill for {$65.00} ( please see XXXX bank statement ). I paid this balance as soon as I received it. That was the final correspondence I received. Additionally, I paid a {$270.00} deposit when I moved in and the property has no record of that either. I have never left a balance on any rental property that Ive moved from, nor have I ever broken a lease. I travel for a living, so I can not afford to carry any balances. Most recently, this misreported error has caused me to get denied for an apartment home. Enclosed are the bank statements, original lease and billing statements as proof that this debt is invalid. Please help me get this invalid item removed from my credit report. As this is the only collection that I have on my credit report. Thank you! XXXX XXXX
09/27/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 75075	Web
I have been contacted by this agency repeatedly claiming that I owe a debt. On XX/XX/2023 I sent XXXX XXXX XXXX a debt validation letter requesting valid proof of claim that I am legally obligated to pay the alleged debt. This company has failed to supply any documentation that has my wet ink signature agreeing to pay the alleged amount, an explanation showing me how the agency have computed the amount, nor confirmation that the account has not crossed the statute of limitation ( SOL ) period. I do not believe that I owe this debt, and I have disputed it and allowed the agency an appropriate amount of time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. On XX/XX/2023 I sent a cease and desist letter because such conduct from this company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. XXXX XXXX XXXX have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I demanded that the agency cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating my account from your records, discontinuing and retracting reports to all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. This company has failed to remove these negative remarks. On XX/XX/2023 I sent an Affidavit of Truth because I do NOT have a contract or a " wet ink '' Signature with the CORPORATION. This agency has also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX, without my prior, written consent. The agency has also failed to provide proof that the courts have furnished the reporting agency with these records and has failed to show where the access was granted to furnish this information.
10/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 301XX	Web
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. RentDebt Automated Collections , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
08/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 814XX	Web
I was contacted by RentDebt Automated Collections LLC in XX/XX/XXXX about a debt listed under my name to a previous apartment complex ( XXXX XXXX XXXX ) that I had resided in between XX/XX/XXXX to XX/XX/XXXX. The company claims that I owe around XXXX $ due to apartment cleaning. When I asked them to provide proof that the debt was mine, the only evidence they could send me was my signed lease, which I do not consider proof that I owe this debt. The address they have listed on the itemized statement is incorrect, and lists an entirely different apartment complex and apartment number. I have never lived at this address, or rented from that property. A month before moving out of the apartment complex, I made sure to pay in full, as well as give XXXX XXXX XXXX my correct forwarding address as well as my cell phone number and email address. I have not changed any of my contact information since then, so XXXX XXXX XXXX could have contacted me at any time about this. I have not heard from them in the year that I have been gone, nor do I have any record of them calling me on my phone records. This debt has been quietly effecting my credit score for a year, which is very upsetting. Further more, I believe that this debt company sold my information, as I now am being harassed by scam numbers daily. It is not uncommon to get as many as 14 calls from a single number IN A SINGLE DAY. It is effecting my personal and work life, as my phone constantly rings. Not only am I getting spam calls, after sending a written letter for RentDebt Automated Collections to cease contacting me, they continued to contact me via phone call about the debt. I will be willing to provide my phone records if need be. I will uploaded all documents pertaining, including my letter of denying the debt, as well as their mailed documents to me.
05/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30016	Web
RENTDEBT AUTOMATED COLLECTIONS has not provided proof of my obligation of this alleged debt as requested and continues to report this trade-line to XXXX. This is creating major issues for me such as high inrerest rates, lower credit scores, job declines, and application rejects for outstanding balances owed, for me and my small children, which one have a severe XXXX, during a world-wide pandemic. I disputed this account on XXXX and XX/XX/XXXX of this year on my XXXX, XXXX , and XXXX credit report to no avail. I also disputed directly within RENTDEBT AUTOMATED COLLECTIONS on XXXX XXXX and XX/XX/XXXX of XXXX. To date, RENTDEBT AUTOMATED COLLECTIONS continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. Who verified this account? what documents did they use to verify? Where are the documents used to verify? This only correspondence that i received was information about opening date, charge off date, billing statement, and a copy of an application. These items do not qualify as full verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that RENTDEBT AUTOMATED COLLECTIONS knows they can not tie me to this account, otherwise, they would have done so when i made my initial request. RENTDEBT AUTOMATED COLLECTIONS is blatantly disregarding the law.
11/02/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 77084	Web
The credit agency listed below is falsely reporting to the three main consumer credit bureaus XXXX, XXXX and XXXX. I do not owe any money to any apartment complex or credit agency. I have disputed with RENTDEBT directly and have requested proof of documentation that clearly indicates if I owe any amount. They have refused to show any documentation that any agreement was made about extending the lease. They are claiming I extended my lease, which is not true at all. I have asked them to remove the account and derogatory remark they have made on my credit report, however RENTDEBT is refusing to do so. I have presently filed disputes as of today with XXXX, XXXX and XXXX. I am also contacting the Consumer Financial Protection Bureau ( CFPB ) to shield me from the harassments and threats made by RENTDEBT. They are demanding me to pay them {$900.00} to remove the account and derogatory remark from the three major credit bureaus. My credit score used to be XXXX, however now RENTDEBT is using my credit score as XXXX and preventing me from taking out auto and home loans to make a living, unless if I pay them their false charges of {$900.00}. THERE ARE ZERO AGREEMENTS of anything beyond my lease term, which has been paid in full and every payment on time. They have FAILED to provide proof otherwise. They are demanding money. This is unethical and unAmerican. I kindly ask the CFPB to remove this any and all charges and remarks presented by RENTDEBT from the three main consumer credit bureaus XXXX, XXXX and XXXX and from my life completely. I want this Debt Collecting agency to cease and desist from making any comments, remarks and charges concerning me. Thank you, RENTDEBT AUTOMATED COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/06/2023	Yes	Debt collection Rental debt	Communication tactics Used obscene, profane, or other abusive language	MO 631XX	Web
I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practice Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt. I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt.Your abusive and deceptive practices are in direct violation of my rights under te FDCPA. I am well aware of the protections provided to as a consumer, and I will not tolerate any further harassment or misconduct. Furthermore, I excercise my right under 15 USC 1692c ( c ) to request removal of any all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agencies without express written consent. I hereby withdraw any previous consent you may have had and demanded that cease reporting these debt to any credit reporting agencies immediately. Please consider this as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other forms of communication will not be accepted. I expect your immediate compliance with this and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
02/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20879	Web
Re : Collection agency Rent Debt Collections Contact XXXX XXXX XXXX XXXX, TNXXXX XXXX XXXX ) XXXX The aforementioned collection agency harassment with malicious intent. FDCPA Violation I am being targeted by this collection agency because of my profession and the assumption of a high income. They are reporting {$2900.00} dollars to my credit bureaus as a deliberate action with malicious intent. I only noticed collection account when I checked my credit report. Up to this day XX/XX/2022 I have NEVER received any official/written communication from this agency. I am requesting proof of written communication. No random letters without proof of receipt. By law I should have been given 30 days to provide documents to dispute before this was reported to my file. In addition, I have requested proof of debt, proof of the amount this debt was purchased from the original. This collection agency maliciously/purposely DID not send me a notice of collection ; collection agencies are required to mail a written notice aka. validation notice. ANY NOTICE SENT NOW, AFTER I HAVE BROUGHT THIS TO THEIR ATTENTION THROUGH A COMPLAINT is laughable. It should have been done in a timely manner. They illegally have reported this account to my credit file, multiple level of violations. IF THEY CLAIM THEY HAVE MAILED ME ANYTHING, I AM REQUESTING PROOF THAT I RECEIVED ANYTHING! SENDING LETTERS TO RANDOM ADDERESSES DOES NOT COUNT. A backdated letter which is often created as a tactic by collection agencies should be evident. Anyone can create a letter and backdate it to even the earlyXXXX 's, However they must prove the letter left their office and was received by the consumer. A simple tracking number would be fine or proof of certified mail.
09/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70816	Web
I sent a certified letter to RentDEBT regarding a collections account they placed on my credit report asking them to validate the debt. In response I received a detailed bill and a " copy '' of a lease that was allegedly signed by me. The information they sent me did not include a copy of my ID or drivers license and the signature is not mines however this company continues to report the tradeline to the 3 major credit bureaus. This is creating major issues for me such as job declines, higher interest rates, lower credit scores, and application rejects for balances owed. I believe this account DOES NOT belong to me, under the Fair Credit Reporting Act all unverified accounts must be deleted. I contacted the apartment complex ( XXXX XXXX ) directly which they advised they don't have any information pertaining to previous residents. The only information I received from RentDebt was a detailed bill and a copy of a lease that I allegedly signed which I DID NOT. These items do not qualify as full verification per FCRA. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the proper evidence as requested. A fraud alert has been on my credit report due to my identity being stolen, so a copy of my ID or drivers license should be on file for verification purposes, and none was sent with the information RentDebt sent me. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.
12/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 148XX	Web
Due to the job change, I moved from XXXX XXXX to XXXX XXXX on XXXX XXXX with my wife and XXXX old baby boy. It was a long journey that was not very pleasant. A few days later, I was called once by a stranger, who said she was from a collection agency for collecting the balance ( {XXXX} ) I owed to XXXX XXXX XXXX in XXXX, where we stayed when I worked in XXXX XXXX XXXX XXXX. Although this lady used very tough and unpleasant languages, I did not see any reasons that I was going to refuse to pay. I waited for the formal and written notice about the collection, so I can pay off the balance. At that time, I did not even know the name of the collection agency. After a while, I suddenly saw that my credit score from XXXX drops from XXXX to XXXX. I was so surprised because I keep my credit score above XXXX for a long time. I believe that the huge score decrease is due to this collection event. However, the problem is that I have never received any written notice from this agency. I do not even know how to pay the balance. If you look at my credit history, you will find that I have dealt with other collection agencies before, and I paid every balance I owed in a timely manner. So I have no collection in my credit history before. I was very angry to get involved into such unprofessional and unfair events from both the collection agency and XXXX since these careless mistakes have a very negative financial impact on my mortgage plan. I have a very great credit history ( > XXXX credit score ) and do deserve a fair treatment and evaluation. So I strongly suggest that both the collection agency and XXXX take the right action and correct their mistakes on a timely manner.
08/20/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 770XX	Web
I have reached out to all the credit reporting agencies such as XXXX, XXXX and XXXX and tried to dispute the over {$1900.00} claimed on my credit report that I owe RentDebt Collection Agency. Just recently I've tried to get this erroneous fraudlent debt removed. The credit bureau agencies kept saying per RentDebt this debt is valid and true. I have always maintained my stance this is not True. I have been failed by the system. I have been fighting this for over 3 years. Its affected my quality of life renting apartment paying outrageous deposits, higher interest rates etc. Finally just this year XXXX XXXX XXXX managed by XXXX XXXX XXXX have admitted to the error that it was a Giltch in their system. This error was listed on my credit XX/XX/XXXX they claim the error was found XXXX but as late as XX/XX/XXXX RentDebt claimed I owed over {$1900.00} even though it should be {$180.00}. It makes it seems like this was a deliberate violation that everyone is cohoots with. How can this happen? I thought all debt were to be validated. I want the bill to be completely expunged for my pain and suffering. See complaint # XXXX where XXXX XXXX XXXX RentDebt claims it can take up to over 90 days to correct this items with the credit bureau XXXX This is slanderous, devious and Not right at all. I want this debt immediately removed from my credit. The credit bureau need to have better business practice to safeguard consumers. I will go to the Attorney General Office to file a complaint against all the Credit reporting agencies and seek further guidance what my rights are from a Attorney. How did the original creditor find the discrepancy in XXXX and Nobody knew.
06/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84025	Web	Servicemember
We lived in an apartment in XXXX XXXX named " XXXX XXXX XXXX '', for 2 years, from XX/XX/XXXX to XX/XX/XXXX. Upon moving out in XX/XX/XXXX, they stated we would be liable for repairs in the apartment, which we disagreed with. There was a small paint stain in the carpet a single bedroom, and they stated they would be replacing the carpet in the ENTIRE apartment as a result, which resulted in a charge of XXXX, which they informed me of over the phone after we had moved out. We told them we did not agree with this, that they were trying to basically scam us into paying for renovations on the apartment that were not our responsibility. After that single phone call, we received no further phone calls or letters in the mail for 3 YEARS. No attempt to collect the {$1600.00} was EVER made. Now, in XX/XX/XXXX we noticed on our credit report we had been sent to collection for the {$1600.00}, collections agency " RENTDEBT AUTOMATED COL ''. We have attempted to dispute this with the both the collections agency, who states that we are the ones that must provide proof we are not liable, but there is no proof we can provide. We are being charged for something that is not our responsibility. Further more, the statute of limitations in Idaho for property damage is 3 years. To reiterate everything : We lived in this apartment 3 years and 4 months ago, and no attempt to collect this was EVER made aside from a single phone call from the apartment complex, and it was sent to collections in XX/XX/XXXX, a few month after the statute of limitations for property damage in Idaho, which is 3 years.
10/26/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 33913	Web
I rented an apartment in XX/XX/XXXX from Mosaic at XXXX XXXX XXXX in XXXX XXXX, FL. I broke my lease XX/XX/XXXX due to a very bad situation which we had to involve the police. The XXXX at the apartment complex worked with me and in the end, I only owed {$1700.00}. I made my last payment on XX/XX/XXXX and my account balance was XXXX on my apartment portal. XX/XX/XXXX I received a call from XXXX which is Rent Debt Automated Collections, a collection company stating they represent the new owners of the apartment complex, Waterline Apartments in XXXX XXXX and I still owed that amount and they were going to report it to my credit report. XX/XX/XXXX I emailed my proof to the collection company. 2 days later I called collection company and he confirmed they received my email and said he saw the proof I sent. XX/XX/XXXX, the account appears on my credit report on XXXX XXXX as an unpaid collection. XX/XX/XXXX I spoke with XXXX at the collection company XXXX ( direct # ) and he said upper management would take a look and call me back. He confirmed my proof was in the system and my account had a XXXX balance and was paid. XX/XX/XXXX I spoke with XXXX and he said he spoke with XXXX and it would be removed from my credit report. Now, it shows as " Account Paid in Full was a XXXX '' but it never should have gone to collections because it was paid in full and never a collection. I want this removed from my credit immediately as it has caused my XXXX XXXX to plummet and my other creditors have noticed and are reducing my credit balances which is also hurting my XXXX XXXX.
09/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33319	Web
I recently came across an account reported by a collections agent XXXX XXXX account number unknown reporting an inaccurate balance for the end of a lease contract. The creditor has added inaccurate charges and states that I have an account balance. This companies practices to withhold deposits anc claim fraudulent balances after the end of the rental contract. I am unaware of any damages to the property after the walk through at the end of the lease and I do not owe any outstanding debts. I do not agree with the balance reported as owed and I am fighting these fraudulently added charges that are reporting on my 3 bureau reports and I ask for the assistance of the CFPB with accessing documents from this company to include all the disclosure and complete accounting record of alleged debt ; agreement with your client that grants you the authority to collect on this alleged debt ; any insurance claims that has been made by anyb creditor rgarding this account ; date that this alleged debt became payable ; this. I ask that the company provide proof of non payment and images of the damages pertaining to the leased unit. Please be warned XXXX XXXX that failure to provide proof of your claim required to enable me to continue and to complete this dispute my next step will be to file this complaint in my county courts for : 1. defarmation 2. negligent enablement of Identity Fraud 3. Violation of the Fair Debt Collections Practices Act Iincluding but not limited to section 807-8 4. Violation of the Fair Credit Reporting Act including but limited to section 623-b
04/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75034	Web
Receiving bills during a time when I am considered " incapacitated '' and have been in and out of surgeries " since XXXX '' ( doctors note for XXXX XXXX XXXX attached ). And during this time, receiving Identity Theft notices and info about medical breeches from various companies. I lived at a different apartment complex at that time and was recovering from two surgeries, was on a knee scooter after that surgery ( using a walker currently ) and according to the date my bank says a check was attempted to be given at the leasing office. My personal emails and all info was breached and I even had to change physical addresses during my surgery recoveries.I even had to start sending my XXXX XXXX XXXX XXXX to my mothers home address in XXXX due to this event ( see attached as well ). I am still going through another surgery on XX/XX/XXXX ( next week ) but finally able to do a Fraud Report with XXXX XXXX on XX/XX/XXXX. The hack may have been due to the resident files that were stolen during a burglary in the apartment complex where I lived, called the XXXX by XXXX Management XXXX XXXX, TX ( XXXX referenced in complaint with CFPB # XXXX ). The XXXX reported the Burglary of the Building in XXXX, Case XXXX to precinct # XXXX to Detective Wall ( Phone XXXX ). The information I am giving is just a SMALL SAMPLE of the breach/identity theft issues I have endured, but wanted to al least send the state and federal proof so you do not think I am being dishonest about this. I deal with a permanent XXXX and this has been a nightmare for both me AND my creditors.
04/01/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77535	Web
This is a formal complaint against Rent Debt Automated Collection located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Rent Debt Automated Collection has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
10/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77040	Web
I moved out of XXXX Apartments on XX/XX/XXXX. I lived there for a year prior to XX/XX/XXXX. I was living with girlfriend, my brother and his girlfriend. My girlfriend and I moved out and I was signed off the lease, I was given a form from the then staff at the apartment complex. The form I was given did not have the staff signature ; they signed the original and kept it. A new lease was started on XX/XX/XXXX, after I moved that was only signed by my brother XXXX and his girlfriend XXXX. I NEVER signed a new lease. It was after their new lease that started on XX/XX/XXXX that they got evicted in XXXX. Now they are stating I owe them. I do not, I wasn't living there after XX/XX/XXXX. I have gone to the apartment recently to get a copy of the lease and they themselves cant produce the lease. I spoke with the assistant manager XXXX XXXX I believe. I was told by her to ask for from the debt collector and they cant provide it either. I contacted the debt collector and have asked several times for a copy of the lease. They stated I signed and were able to see the lease but I know for 100 % fact I did not. I have been trying to get a copy of this said lease for over 5 months with no avail. They stated they mailed validation out but it was sent to the apartment complex not me. The only " validation '' I got was a itemized bill of the charged owed on XX/XX/XXXX. I received an email from XXXX XXXX and have since then emailed several times for the lease with no response. My last email request was XX/XX/XXXX and still with no response.
10/03/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 338XX	Web
On XX/XX/2019 I reached out to XXXX XXXX XXXX Regional Manager. ( XXXX XXXX ) Office manager refused to accept payment for XX/XX/2019. I explain to her its not fair. There system twice had a system error. And they would send out eviction notices to tenants. Even if they had paid rent already? And know that I was late on payment. They refused to accept it? She at first Apologize and said she would fix it. Than she said XXXX premises Manager would contact me? Than we had a telephone meeting. And she said XXXX manager At premises was guaranteeing I have been late before on payments? I told her look at payment history yourself. She said move out in 5 days. And will keep it like you voluntarily turned in Apartment. I did found a new place to stay And started my new rental agreement On XX/XX/2019 so how can They report Me and say XXXX behind in my rental payment. Since XXXX Causing me stress and physical problems Especially know that we are in an epidemic disaster. That is a lie. And when I was there I witness Tenants moving out 3 times a week. What really goes on there is ridiculous. XXXX which was an employee there. Telling her children things about tenants. My kids got told what are you guys doing In the area if you guys dont lived here Anymore. If we live in the area we have every right to be where ever we want. Upset there premises. Driving around By my home to make sure I did lived in the area. Thats harassment ... .please look into the amount of cases this rental premises has had in the pass.
10/28/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 77545	Web
My wife XXXX XXXX worked for XXXX XXXX XXXX. They are the same Management company that owned XXXX at XXXX in XXXX XXXX. XXXX gave my wife a apartment at this community while working for them. I never lived at the property or in XXXX XXXX. I lived in our home in XXXX, Texas with our XXXX kids and that is where I worked which Id XXXX hours from XXXX XXXX, Tx. When my wife quit the president of the management company was upset as stated he was going to make her pay for the apartment and if she did not he would put it on her credit. Well, they did not put it on her credit but placed it on mine. The apartment was supposed to be free for the first XXXX months because she was driving back and forth weekly from XXXX to XXXX XXXX. The management knew I never lived at the apartment or in the city. As well she was never sent an account statement to our address in XXXX although that was the address on her employee file, the address her final check was sent to and the address she listed in several emails letting them know she had vacated the unit within 2 days of quitting. My information was used in retaliation to my wife and this debt collection was illegal placed on my credit which is really identity theft of my personal information. I never actually signed a lease and what they have is electronic. As well they do not even have the correct unit number listed on the lease. And again, I would like to add that me nor my wife ever received Final Account Statement to our home with any balances due.
10/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32250	Web	Servicemember
The original account holder made no attempts to inform me of my account with them although they had my previous mailing address which I was still receiving mail at, along with a working phone number and email address for me. The following is information I verbally obtained from a RentDebt customer service associate on XXXX XX/XX/XXXX as they refuse to provide me with a hard copy or otherwise of their activity on my account. RentDebt received this account on XXXX XX/XX/XXXX with the following contact information : ( omitted ) address which I never lived at and so would not have forwarded mail from, a working phone number ( omitted ), and email address ( omitted ). After receiving this account, RentDebt made the following actions : Hard copy letter sent out XXXX XX/XX/XXXX to unknown address per RentDebt associate. Hard copy letter sent out XXXX XX/XX/XXXX to unknown address per RentDebt associate. Hard copy letter sent out XXXX XX/XX/XXXX to ( omitted address ) stating a settlement offer per RentDebt associate. Phone call on XXXX XX/XX/XXXX which I answered, informed them I had not had knowledge of this account, and paid immediately. On XXXX XX/XX/XXXX RentDebt reported XXXX balance to credit bureaus per RentDebt associate. Hard copy letter was created on XXXX XX/XX/XXXX showing a XXXX balance, but was never sent to me although they now have my updated mailing address per RentDebt associate. For the above reasons, this account should be removed from my credit reporting.
02/03/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77339	Web
I was charged for an apartment under my grandma and I 's name, she lived in California and cosigned for me and I lived in the apartment, so she wasn't there, we were just cosigners on it at XXXX XXXX XXXX XXXX in XXXX, Texas XXXX. They posted a bill on the account under both of our names after I moved out due {$500.00}. My grandmother paid it in full, and then they sent me the bill of it afterwards. They charged both of us {$500.00}. They received the first {$500.00} payment from one person ( my grandmother ) and sent me a bill for {$500.00} as well, attempting to collect a total of over {$1000.00} dollars. After my grandmother payment, ( which she had to send in twice to the apartment complex, in which time she had them send it back once and cancel it once which I have email documentation between her and a worker there about it dated XXXX of her check stub payment and full with one XXXX XXXX at XXXX XXXX XXXX ), the account balance should have been zeroed. But I still received a bill. I have email correspondence proving she paid the amount in full, but yet I am still receiving mail in both my grandmother and my names separately from RentDebt Automated Collections XXXX XXXX XXXX, XXXX, Tennessee XXXX that were sent over from XXXX XXXX XXXX for {$500.00} for both my grandmother and I to my current address. They have posted it on my credit and it went down 47 points. I received another collection today XX/XX/2020 telling me to " settle it '' by now paying {$370.00}.
01/29/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TX 78253	Web
So I moved into XXXX XXXX XXXX 3 years ago into a small one bedroom apartment listed at XXXX monthly I believe. I didnt have issues paying rent and I had gotten a small puppy shortly after. It was a poodle Id say I got her 5/6 months before my lease was subject to end. It was a 12/13 month lease. Very small dog anyway me and the dog went along fine the office had no idea etc. I walked her in public at the dog park etc. at the same time I got her I got a boyfriend and lost my job at XXXX XXXX for being late. Therefore I asked him if he could help me pay my rent he said he would if I agreed to dog sit for him a few days out of the week : XXXX XXXX caught wind of his dog immediately and threatened to evict me because of it. If I didnt pay a pet fee, a pet deposit all over 500 dollars. I advised them the dog didnt live with me and that I was dog sitting daily for a few hours. At the time there was no policy against this. Because the dog didnt spend the night. So we didnt have the extra money and I moved out swiftly! With only 2/3 months left on my lease but I somehow owe them XXXX dollars if I moved out early from my current complex which is much newer and nicer than theirs I would pay the rent and XXXX dollars which totals to be less than XXXX! I am beyond XXXX about this and I have no proof of my lease because its old and Im just now at a point and age where I care to fight it because I have a child now whos XXXX and I would eventually like a house.
11/17/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33578	Web
Called rent debt automated collections on multiple occasions on XX/XX/XXXX I called around XXXX and I was transferred to multiple people who could not answer why I had a collections amount with them when I originally only owed the apartments {$1200.00} dollars for 1 months rent I tried to make payment and I was told I needed to contact the apartments because they denied payment and they will Have someone give me a call Back regarding balance never received callback, I made another call on XX/XX/XXXX to understand why I still havent gotten a call back regarding the fees that were added and why the cost is what it was, and I was told I needed to call the apartments to find out what the fees are for when I contacted the apartments they explained the fees are no longer with them and that I need to contact the collection agency, once again I called The collection agency on XX/XX/XXXX and the person I spoke to stated it was the apartment fees and he couldnt explain what the fees were for and informed me if I didnt pay {$6000.00} dollars I would have my account red flagged and I will be sued if I didnt set a payment arrangement with him To pay an amount I do not owe and no one can explain where these fees generated from or how the because {$6000.00} from the original amount of {$1200.00} that I agreed to pay and I dont understand why this continues to happen and be treathen to be sued and taking to court on a debt I have been trying to pay for months.
08/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WA 98146	Web	Servicemember
In regards to resolving a issue, I reached out to an attorney in XXXX and there was no way to get a hold of them to resolve this issue so now I am reaching out to the CFPB to get this resolved. This email is sent from an general attorney on base XX/XX/2019. Good Afternoon Ma'am, I have been trying to get in contact with the leasing office since we met. I have left voicemails and have not had any of my calls returned. I will draft a letter requesting information and request your deposit, additional rent, and cost for the carpets be refunded to you immediately. Because of the time difference, if it is at all possible for your husband to go to a local Legal Assistance Office, they may have better communication capabilities with the apartment complex. Before I send the letter, I will provide you a copy for review. Please let me know if you have any questions. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Legal Assistance XXXX FOR OFFICIAL USE ONLY. Information contained within this document or its attachments may contain personnel information, disclosure of which is generally prohibited by the Privacy Act ( 5 U.S.C. 552a ). Protected information included in this document or its attachments are in accordance with section ( b ) 1 of the Act which permits disclosure to individuals within the Department of Defense ( DoD ) with an official need to know. Release of such protected information outside of DoD is prohibited.
07/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77477	Web
To whom it may be concerned, Towards the end of my lease term the apartment complex I was living inn told me I needed to give them a 60 day notice if I was not going renew my lease I gave them 71 days notice an extra 11 days. I moved out of my apartment XX/XX/XXXX and in XX/XX/XXXX I received a letter from " RentDebt automated collections LLC. '' stating I owe them {$3100.00} but does not explain why. It only states that they are collecting a debt for " XXXX XXXX XXXX XXXX XXXX '' I tried to contact the apartment complex and left several messages to explain that I left on good terms and there records where wrong. I wanted to know why they would wait two full years to tell me I owed them money. I do not owe RentDebt anything they have no legal right to report anything on my report or collect some erroneous debt. I left my apartment in good standings to get a letter almost 2 years later is absurd and very suspicious. I have called the apartment complex more than 5 times to get some sort of explanations and left a message on each occasion to this date they have never responded to me by mail or call. I have received some calls from a company called RentDebt that I have never done business with that has threaten to sue me if I do not call them back. They have also placed a collection on my credit report lowering my score more than XXXX points. I monitor my score on a monthly basis this is no expectable or legal.
02/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76137	Web
I left from being a resident of XXXX of XXXX in XX/XX/XXXX. I told them I would no longer be a resident in XX/XX/XXXX and to switch me to month to month until I finally leave in XXXX. They said no problem. Upon moving out in XXXX and turning in my keys in the drop box. I get multiple calls, telling me that I did not expressly notate when I would be moving out and therefore owe another month 's rent. After speaking with the lady for about 2 weeks about how I told them almost 3 months in advance. We compromised, so they told me I owed a few payments of however much, this is after they took my deposit from me. I make payments 3 which were the agreed amount. They call me a month later and express I still owed additional final payment of XXXX - XXXX dollars. I disagree, I asked them to send me information to verify how much I owe, they do not. I asked them to forward me my mail from my residency there, they also do not. Of course, for the most part I have e-communications for most of my information, however the lack of cooperation and the continual adding of balances which are never verified are ridiculous. I then get a call XX/XX/XXXX from a collection company after purchasing said balance now the amount owed XXXX dollars. Again, I asked for verification of debt, or information about the balance and information that says I agreed to selling my information over to a third party. No information was given, even now.
08/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ND 58078	Web
Hello Consumer Finance Team! Thank you for taking a moment to review my grievance. I wanted to submit a complaint about a Property Management ( PM ) organization in Kentucky called the XXXX owned by XXXX XXXX. They are presently attempting to collect a debt I do not owe through a company called " RentDebt Automated Collections , LLC ''. I left my apartment ~5 months ago due to frequent domestic disputes at a neighbor 's residence ( including firearms ). My family left our unit with ~2 months left on our lease because the cops had visited the tenants below us on XXXX occasions. ( I have video footage, but have not yet went after the police report numbers ). At first the PM company tried to relocate us to another unit in the same complex. We did not find that acceptable nor did we feel safe. They were frequently intoxicated with music blaring as well as constant screaming before things escalated to physical fights. In any event they are saying we owe them money for moving out of an unsafe living environment. This HAS to be illegal, right? We completed our checkout with an employee named XXXX ( the General Manager ) who said all we owed for was new oven/stovetop drip pans ( which they accepted a check for ). Now, out of nowhere 5 months later we receive a " debt collection '' notice that has no merit. Thank you again for your time. Please let me know if you have any questions.
11/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30046	Web
I have a rent debt on my credit. It was removed from all 3 credit bureaus but it still remains on my rent bureau report. I was informed that the rent debt was for an apartment that i never lived at. I was a victim of identity theft. Someone filed taxes using my social and I had fraudulent things put into my name. I have been clearing up this mess since I became a victim of identity theft. I have been disputing things on my credit report and submitting documents and proof. There is no reason this rent debt should be showing on the the rental bureau when it has already been removed from all 3 credit bureaus. I was under the impression that this issue was resolved but i recently went to co sign on an apartment for my daughter and it showed up on the rent bureau. Which was surprising to me because I have not had any issues since its been removed from the 3 credit bureaus. I have continuously disputed this fraudulent Rent debt and have successfully had it removed from the credit bureaus therefore it should also be removed from the rent bureau. I never lived at these apartments. I was residing in XXXX XXXX, NV with my fianc and his sister and her son. I should not be held responsible for someone illegally using my personal Information. It is already bad enough that I have issues every year filing my taxes due to the identity theft. I would like to see this issue resolved immediately.
06/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33647	Web
An account for collections was opened on my credit report on XX/XX/XXXX from Rentdebt automated collections company in order to attempt to collect a debt for an apartment in which I previously leased. The amount amounted to XXXX in total. My issue is not with the amount owe but with what the creditor is reporting. The creditor is listing this debt as a eviction which it was not. I remained in this apartment for the entire lease term and was never evicted. The balance remaining on the amount was for carpeting which the apartment had to replace, final water bill and other misc things but never for an eviction. I have disputed this case through the credit karma with the result of " Account information disputed by consumer, meets FCRA requirements. '' I have tried to explain that I am not trying to dispute the amount owed but they way the collections is reported on my credit report. I have so far paid down the balance to XXXX and have a final payment scheduled on XX/XX/XXXX. According to the FCRA rules, FCRA 623 ( B ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed ans must be investigated and if you do not investigate and respond, the FCRA must delete the disputed information from the files. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
05/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 765XX	Web
I rented an apartment with my cousin and my uncle cosigned for us. At the end of our lease we moved into separate homes. They mailed her the paperwork saying we owed money because we did n't give them a 60 day notice which i thought she had notified them. I did n't find out this information until a year later after it was on my credit. I contacted the credit agency and make payment arrangements to pay in full. When making my second payment they asked me about a bankruptcy I said i knew nothing about it and they took my payment. They took my XXXX and XXXX payments. When making XXXX 's payment they would n't even talk to me because there was a bankruptcy on file and said I was unable to make additional payments and they were not able to even speak to me about the account and hung up. I 've tried several time to to contact them. I was never included in the bankruptcy. My uncle filed the bankruptcy. I just need it off my credit ill make payments. I do n't understand how they knew about it when they took the XXXX XXXX payments but now I ca n't do a thing with it. The Mortgage company told us this is the only thing keeping me and my fiance from getting a house. I just feel trapped at this moment because i ca n't do anything with this on my credit and I ca n't do anything to get it off. Any help would be appreciated.
11/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30605	Web
To Whom It May Concern, I am writing this to submit a formal complaint about XXXX XXXX XXXX formerly located at XXXX XXXX XXXX, XXXX, GA XXXX. They have falsely reported the amount {$6100.00} to the credit Bureau. I have never not paid my rent. I had no damage to my apartment. When I moved from XXXX XXXX I did not owe them any money for anything. In fact, the apartments owes me my initial rent deposit. When I moved in to the neighborhood I made a deposit for my apartment at XXXX at XXXX XXXX. After 7 years of residing in the community the company known as XXXX XXXX bought the neighborhood from XXXX at XXXX in approximately the year XXXX. When it was time to renew my lease I decided not to renew and to ultimately move out because the new owners XXXX XXXX XXXX management was aggressively harassing and bullying the residents to pay them extra money that the residents didn't owe. My rent was {$560.00} in XXXX for a 1 bedroom apartment. When they wanted me to renew my lease they told me that my renewal rate would be {$1200.00} per month for my apartment. So I moved out then they processed a false eviction and sent it to me and the court in XXXX XXXX. When I moved out I did not owe them any money at all. They were trying to renovate the apartments they were trying these tactics to gain money for the renovations.
05/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34606	Web
In accordance with the fair credit Reporting act XXXX Account Rent debt Collection, has violated my rights. 15 USC 1681 Section 602 States I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC1666B : A creditor may not treat a payment on a credit card, credit report or credit account under a open end consumer credit as a late for any purpose. I am writing in regards to the rent debt reference to inform you that Im disputing this debt. Please verify the debt as required by the Fair debt Collection Practices act. I am disputing this debt because I do mot owned it, I never received any letter or any advice pf this collection. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already report it, please deleted this from my creditor report because this is not mine. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Reporting act. Finally please note that I do not wish yo received further telephone calls or letters concerning this debt that I do not owe to the client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C 1692 ( c ).
05/29/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75159	Web
I went to apply for an apartment, and was denied because of a RNT Debt of {$6600.00}. The amount is incorrect, since the property took me to court and was awarded a lower amount about 1/3 of this amount by a court judgement. They have this on all three credit reports and with such an excessive high balance it is impossible for me to rent any apartment at all. The apartment community although practicing fair housing, since they got a rehab loan from the government, intended to defraud me and a social service agency willing to help me catch up on the rent. They were going to take the money and still evict me. One of the leasing agents told me about their nefarious plans. I went to court on them, they also refused to repair anything in the apartment, we had a swarm of sewer gnats coming out of the drains, and they even called my utility company and lied that I had moved and had my lights turned off, because I fought them in court. They filed the wrong paper work, and could not evict me, and had to start the process over again, but the judge gave them the extra month in the judgement it took to finish the paperwork. This is a foul, dirty apartment company, and they are still upset that I fought against them when they lied and were going to use me and the social service agency.
02/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 395XX	Web
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was.
03/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 493XX	Web
XX/XX/XXXX : I was sent a final account statement from my previous apartment complex, XXXX XXXX of XXXX, NC, stating I owe a total of : {$5300.00}. My charges equal a total of {$1400.00} and XXXX XXXX is charging me an additional amount of {$4100.00} to " move-out ''. They had signed me up for an additional 4 months, from XX/XX/XXXX to XX/XX/XXXX. My lease was originally set to end on XX/XX/XXXX. I spoke with the apartment manager ; XXXX XXXX via email on XX/XX/XXXX stating I needed to extend my lease until the end of XX/XX/XXXX, ONE month total. She forwarded me the lease to sign and it was returned to her on XX/XX/XXXX. She had signed me up for an additional 4 months. I agreed to only an extension of ONE month not FOUR. I was charged {$4100.00} in rent/late fees for those additional months. I will gladly pay the {$1400.00} in charges for the month of XX/XX/XXXX. I moved out the last day of XX/XX/XXXX and sent her notification of my move out date. This incorrect charge is now in collections and damaging my credit score, preventing me from applying for credit cards and loans. I have an email with payment confirmation for XX/XX/XXXX rent, I have attached these email conversations. The payment was made by my boyfriend at the time, XXXX XXXX.
02/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30106	Web
To whom it may concern : I'm writing in to state that the XXXX XXXX XXXX XXXX I was never authorize my signature to sign I was in a XXXX XXXX XXXX marriage.I have tried to contact the Apt . but their Management Personnel has change and they could not give me any info. can you please help me with this. I never gave authorization to have this XXXX bill I was divorced and I had to leave with a XXXX situation the apartments knew exactly what was going on can you please have them check and resolve this for me. I've been writing in for years pleading with them and they Under New Management so they have no record of what's going on this should not be on my credit can someone please help me and resolve this thank you. Here Is My Ex Husband Info that i have XXXX XXXX his name was on the lease. Please my information disclosed my information of my whereabouts to my ex-husband I was in a XXXX XXXX XXXX relationship and I'm XXXX XXXX XXXX XXXX I just don't want nothing tied with this man at all but I will give you the information to try to track him down so you guys can get what you need from him but please do not include my information or disclose any information where I live to this person. You Can Contact me At : XXXX XXXX XXXX XXXX
09/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30331	Web
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against RentDebt Automated Collection for committing identity theft. I have never given RentDebt Automated Collection any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692 ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until RentDebt Automated Collection can provide me with sufficient documentary evidence that I have legal obligation to pay them. If this documentary evidence can not produced and RentDebt Automated Collection continues its collection efforts, I will file litigation for actual damages caused and RentDebt Automated Collection will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.
11/04/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75248	Web
My name is XXXX XXXX date of birth XXXX/XXXX/XXXX last four of my social are XXXX. I got a letter from a company regarding a debt owed for XXXX. I mailed out a letter to this company on XXXX/XXXX/XXXX requesting verification and validation of debt and to this day this company has not responded. I also informed this company I was disputing this debt and yet it had not reflected as such on my credit report. I sent this letter certified mail return receipt request and it was received on XXXX/XXXX/XXXX. This is direct violation of the FCRA and the FDCPA section 809 a and b. I will be seeking legal counsel to protect my rights and seek actual and statutory damages against you and your client. My credit rating dropped 70 points which has caused me XXXX XXXX XXXX. This could have been avoided if you would have followed the laws and not violated my rights. I am demanding proof this debt is mine. Something with my signature agreeing to pay this debt. I also want an itemized listing of what these charges are for. You are also an out of state collection agency and you must be bonded to collect in my state. I will be following up to ensure your surety bond is up to date.
01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KY 40291	Web
On XX/XX/2021, I mailed a letter to XXXX informing the company that it is reporting inaccurate and unfair information. This was pertaining to a report made by a company called RentDebt, XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. RentDebt was hired by XXXX XXXX XXXX and they allege that I owe {$5200.00}. XXXX failed to investigate my letter but instead sent me a copy of my Experience credit file with a note claiming that the debt was verified as accurate. XXXX did not indicate what steps it took to verify accuracy or fairness nor did XXXX provide me with any documentation from either RentDebt or XXXX in support of its finding. I do not owe XXXX XXXX XXXX. When I moved out, my apartment was in pristine move in condition. XXXX XXXX representatives and I agreed on a move out date and never discussed any fees. Additionally, because my apartment was left in move in condition, the company was able to quickly move in a new resident. XXXX can not be doubly paid for occupancy. Both XXXX XXXX and RentDebt are fraudulently attempting to collect a debt not owed. XXXX is facilitating this fraudulent debt collection by reporting false, inaccurate, and unfair information.
12/27/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77092	Web
On XX/XX/2022 I pulled my XXXX credit report and noticed a collection from a collection company by the name of RentDebt Automated Collections. I sent them a letter dated XX/XX/2022 informing them that they had violated federal law under the FDCPA Regulation F by reporting an unknown debt to my credit file. I asked them to remove this reporting and to provide me with Validation that this debt belonged to me. In response I received a letter acknowleding my letter of dispute. I specifically noticed them that I was not seeking verification nor was I consenting or acknowledging the collection that they have placed on my credit report. In return, they indicated that they would contact the consumer agencies to show that this collection is being disputed. They have totally ignored the law and think that they can by-pass it by falsely stating indirectly that I am consenting of acknowledging this reported collections. Furthermore, the information that they provide to me does not belong to me. I do not know who they are nor do I acknowledge the collection that they have placed on my credit file as of XX/XX/2022 well after Regulation F went into effective.
02/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98275	Web	Older American
I provided a copy of a motorized affidavit regarding identity theft to Rent Debt Automated Collections as per their letter. I have circled in yellow what they asked me to which was to provide ONE of the described items which I did. Please see attached letter from Rent Debt circled in this complaint. Also you will find a copy of Rent Debts response to the CFPB saying I provided an incomplete identity theft package. This is a lie. If you read their letter I complied with the request. Rent Debt is frequently sued for unlawful debt collections. This is an identity theft case snd I provided an original notarized affidavit at their request on their letter. I am also providing a copy of one of a series of letters sent to them disputing this debt. I am also attaching an identity theft case number filed with FTC.gov regarding identity theft. I am not providing my social security card or my license to a debt collector. This is not my item and I complied with the letter sent to me by Rent Debt as you can see by the cut led part of their letter. They misrepresented their response to the CFPB. This is identity theft snd thus must be removed from my credit.
05/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89148	Web
The last representative from this debt collection office referred to me as " him and his '' in her response to you, consumer finance. If she did her investigation properly she would know that I am a woman and not a man. These representatives keep stating they welcome me to call but when I do, they do not try to work out an arrangement to get this settled. I was in a payment arrangement and due to me being on XXXX, my income is very limited. I had ONE payment that did not go through because I did not get paid from California XXXX. I had to have my XXXX send in the necessary paperwork to extend my XXXX due to that I am XXXX XXXX XXXX XXXX. That took about a month ... XX/XX/2019, before I started receiving money again. I told the debt collection representative that I would call and get the payments back on schedule once I get paid. However, they turned my account into the 3 credit bureaus without giving me any warning or chances to keep this from happening. The did this XX/XX/2019. They hastily did this to damage my credit and force me to pay an amount I do not owe. Every representative that has responded, their statements are not accurate.
05/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77449	Web	Servicemember
On XX/XX/2017 I canceled this account based on the Service Member Relief Act that allow Service members to break contract even 90 days after separation from XXXX XXXX. However, this Apartment Complex disregard my request and send an incredible amount of debt to Collections. I paid every penny before I leave the complex. A 60 days vacate notice were given ahead of time. Once I found about this collection debt I submit my dispute to XXXX. They successful delete this account from my credit score. However, XXXX and XXXX doesn't want to delete it from my records. Their system doesn't even allow to upload documents to help to solve the dispute. I recently submit another dispute but XXXX disregard my claim. This negative erroneous account has damage my credit score for almost two years and is still there. Account Number # XXXX Name RENTDEBT AUTOMATED COLLE XXXX XXXX XXXX XXXX , TN XXXX ( XXXX ) XXXX Date Opened XX/XX/2017 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$4700.00} Original Amount {$4700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX ( Rental/Leasing ) Past Due {$4700.00}
02/28/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	AL 35630	Web
This company has removed and reinserted previously deleted information. For several years, I have been monitoring my report. I noticed that this collection account was removed and told that it was due to problems with the previous managing company of the apartment complex. Several years later, the account was added back to my report. In XXXX XXXX, I did not have any collection accounts on my credit report. In XXXX XXXX, this company decided that after 6 years they would reinsert this alleged debt and substantially ruin my credit rating. I called to inquire about the debt and was told that during the 5 years, there were 2 attempts to call me and both times they did not speak with anyone. The two attempts to contact me was 5 years ago as this debt was opened in XXXX. During the initial conversation, I told the representative that this had been removed and added back to my report. I asked her to tell me the first removal date, and after a short pause, she placed me on a brief hold. After returning to the phone, she insisted that she " did know '' when or why it was removed, but that it was added back in XXXX XXXX as a new collection.
06/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34689	Web
The apartment complex I lived in required that you pay in full your final rent before you move out, which I did. After I moved out a received an outrageous bill for cleaning of the apartment. I went back to the office to dispute the bill, the manager said that a billing error was not taking into account the last payment I had already made. She also said that there were damages ( we didnt get any proof as there were no damages to the apartment. The only damage that they could possibly claim occurred due to a leak in the plumbing ). Regardless I we wrote them a check for {$1700.00} after they determined that {$1700.00} was the correct amount for cleaning and damages. The manager supposedly as supposed to get back to me with proof of the supposed damages but she never did. The complex held the check for several months and finally cashed it in XX/XX/2018. In XX/XX/2018 they turned the account over to collections for the {$1700.00} which they collected and cashed, despite not being able to show me what supposed damages I was paying for. When this turned up on my credit I contacted the apartment complex and never got a returned call.
01/21/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	WA 98275	Web	Older American
I have filed at least three disputes with Rent Debt Automated Collection XXXX, XXXX, XXXX and XXXX with regard to an erroneous, fraudulent item being reported by Rent Debt to my credit file. In each of the disputes I have stated that I did not sign any purported lease at anytime and I did not or do not owe any debt to Rent Debt. Although I requested verification of the debt and disputed the debt back in XXXX, XXXX XXXX failed to provide verification or validation of the alleged debt. I have filed and requested disputes under Section 609, 611 FCRA and The FDCPA and never received any sort of documents or opportunity to. Dispute the debt or proof that I owe the debt. Recently, Rent Debt sent me a document consisting of only one page, not executed and bearing a fake signature claiming to be mine. I am enclosing my fourth notice of dispute, my executed affidavit and demand that this erroneous item be immediately removed from my credit file based upon the violations of Rent Debt, XXXX, XXXX and XXXX to comply with The Fair Credit Reporting Act Sections 609, 611 and The FDCPA. Please find the attachments to my complaint.
09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77070	Web
I don't dispute this is my debt, the only thing I have a problem with is the companies keep changing the dates on my report every 3 months, so the debt appears new every time they report it. So, I never have a date for which this debt will be removed in the 7-year time frame allowed by law. But they continue to report the same debt over and over again. And I was informed it was being generated by a computer system. I spoke with all 3 credit bureaus, and they said they can not do anything. How can a collection agency just keep putting the same thing on your report? Do I have any recourse in this matter? Please let me know if you need more information. I have tried to resolve this issue with both companies, but they aren't trying to work with me. I have disputed the amounts for one company and the other debt I have tried to get dismissed because my lease was up when I moved. The management and I agreed to my moving out but still charged extra charges, saying I didn't give proper notice, which isn't true. The two companies I am referring to are the following : XXXX XXXX XXXX and RENTDEBT AUTOMATED COLLECTIONS
07/24/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55987	Web
This is for past due rent. Around a year ago, I had raised questions about why I owed XXXX $ ( there or about ) when the original amount was XXXX $ ( there or about ). When questioned they sent me a receipt of any damages, past due rent etc, which also included a pick up collection fee of XXXX $ ( there or about ). I found the CFPB website, and upon contacting Rentdebt automated solutions on XX/XX/2023, I was told the agent could not help me since I lived in Minnesota. So I attempted again XX/XX/2023, and when I questioned the representative about the CFPB website, I was informed that I should not be googling things, like how a when you go to doctor and you start googling things about what the doctor said. I had informed her, this was an official government website, I was informed the website was wrong Since we are collection agency we can charge a pick up collection fee, since it is for rent/property. I havent signed anything stating, a fee could be added/interest could be added. The representative told me the only 2 solutions are make a settlement amount, and or pay monthly/bi weekly/weekly
02/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 106XX	Web
My common in XXXX XXXX XXXX got a job in XXXX Texas and rented a place by XXXX XXXX Apartments XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX, US. I was a consigner since she was new to XXXX and did not have any previous history renting apartments in the XXXX. We signed a contract on 6 months basis from XX/XX/XXXX. Since this was a new job we were told one month notice needed if something changes. Because of Covid 19, the contract was cancelled on XX/XX/XXXX and my partner was asked to relocate immediately to XXXX. She reported it in the XXXX property management and was told to get a written proof by the manager. We have the proof that was issued on XX/XX/XXXX th. Rent was paid until XX/XX/XXXX plus there was down-payment kept by the property management. However, now I am getting threats by collection agency and the amount of RENTAUTOMETED COLE of 6048 was reported on my XXXX Credit Report. I believe that this is completely unjustified. My partner has not been living on that address since XX/XX/XXXX. The company got one month payment until XX/XX/XXXX th XXXX plus down payment. Please advise!
11/09/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 013XX	Web
I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer on the basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TN 38583	Web
Through a former complaint filed against Rent Debt Automated Collections I determined that the company sent the notice of my debt to my old address and failed to notify me on time of my debt to be able to make a payment plan before being sent as a default to my credit report. I moved out of XXXX XXXX XXXX XXXX XXXX IL and disputed additional charges with my landlord. Rather than giving me the opportunity to negotiate they sent the questioned debt to collections who failed to notify me at my next residence. The debt collector failed to send me info to my next residence or contact me on the phone. I feel I was not given adequate notice about making a payment plan before it went into default. I would like to contest this delinquent status. I have paid off the debt with company earlier than requested for my payment plan. Had I been contacted correctly this issue could have been avoided and not impacted my credit report. Now I am being negatively affected for a debt I was not communicated to efficiently about. I would like this default to be removed from my report.
09/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90717	Web
There is an account from a place called RENTDEBT AUTOMATED COLLECTIONS ( ORIGINAL CREDITOR XXXX XXXX XXXX ) for an early lease termination opened XX/XX/16 for {$2500.00}. IT IS NOT MINE. I HAVE NEVER LIVED IN XXXX OR EVEN VISITED. I DO NOT HAVE ANY XXXX DRIVER LICENSE. I have contacted BOTH the original creditor and the collection agency to ask for proof that this is my debt necause it isnt. I have asked for copy of social security card and driver license used to apply and process the application. Neither company has this information. all they claim to have is an application in my name and social security #. Anyone can fill out an application with your info but that isnt proof that it is my debt. I want PROOF of the identification used to open this account and they dont have it. I am asking it to ve removed from collections and removed from my XXXX credit reporting agency and XXXX XXXX and XXXX credit reporting agencies. I HAVE NEVER LIVED IN XXXX AND HAVE LIVED AT MY SAME ADDRESS IN XXXX FOR THE LAST 9 YEARS SO IT IS IMPOSSIBLE FOR THIS TO BE MY ACCOUNT.
04/29/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77379	Web
I initially contacted RentDebt Automated Collections about an debt they were attempting to collect. I disputed the alleged charged because it appeared to be inflated, which they received in their office on XX/XX/XXXX. RentDebt sent a statement breakdown and partial of a lease agreement where several pages were missing. This final account statement shows a reletting charge of {$1400.00} however the lease agreement shows a reletting fee of {$1400.00} which is clear an upcharge of {$21.00} was added to the amount despite what the agreement shows. Additionally, the final account statement shows a lease termination fee of {$1500.00} but this is no where in the agreement. On XX/XX/XXXX RentDebt received in their office another letter from me via certified mail receipt number XXXX XXXX XXXX XXXX XXXX pointing these exact discrepancies. To this very day they have not responded to me to clear up and justify these alleged charges. Just as well they continue to report this account on my and my husband 's credit profile. They are misrepresenting this debt.
06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34606	Web	Servicemember
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15U.S. Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
07/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75025	Web
Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID and also my signed affidavit that the company provided to me. This is the third time I try this with this company. I had my document notarized through an online notary in the state of Texas. Company claims I have to go in person as its not valid without a certificate. I have contacted the notary and was notified a notary seal OR a certificate is required to be valid. The notary seal is on my document. I do not own this account I am a XXXX from XXXX I do not own any money on any accounts to anybody. I am also attaching my filed police report this time. What else could they possibly need. You have my ID which shows a different signature then the documents on that lease. You have my signed affidavit. AND now you have my filed police report. Remove this from my credit reports
05/31/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web
Someone rented an apartment on XXXX. Apparently someone signed the lease virtually without my consent. I do not know who started this lease. The person who used my name was evicted before the lease expired. A debt collection is reporting the money owed on my credit report. The company is Rent Debt Automated Collections LLC. The amount they are reporting is {$5300.00}. I have told them this is identity theft but they won't remove it. The debt collector sent me a copy of the lease which has my name but it's not my signature. It says the date signed is XXXX. The paper the debt collector mailed to me says the creditor is XXXX XXXX XXXX. The mailing address of Rent debt Automated Collections is XXXX XXXX XXXX XXXX XXXX XXXX The main address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their phone number is XXXX. I was able to get XXXX XXXX to remove it but the debt is still showing on the major credit reporting company 's. The signature on the lease is obviously computer generated. I need this off my credit. Thanks
04/24/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77304	Web
Back in XX/XX/XXXX, we put in a 60 day notice for move out of our home and we were answered back and it was put into effect that the move out is for the end of our lease term. Now we are being overly charged for early termination fee, rent and utilities for months we did not live there for, services while we did not live there and move out charges that when we ask for what it is, we don't get an answer. I have connected them with a letter of XXXX the XXXX, XXXX. We started calling both the RentDebt and XXXX XXXX to get this fixed and after three " disputes '' and emails from me showing my move out we are still being charged. We sent a Demand Letter for our charges to be removed and our deposit back on XXXX the XXXX, XXXX. I received a call today XX/XX/XXXX, from RentDebt, that we still owe the charges regardless of our proof. We informed them that we will be contacting the Fair Credit Reporting and reporting this wrongful charge. As well as contacted XXXX in one more final attempt to fix this matter.
06/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 331XX	Web
Rentdebt Automated Collection has place a inquiry of {$2800.00} on my credit report from previous apartment rental. My leasing agreement was fulfilled and I was allowed to stay a additional two more weeks until my new residence was available. I paid the pro-rated daily amount that I used and stayed till the end of my entire lease never missing a payment. A letter not to renew was provided to the leasing agent. A few months later I received a enormous balance due of {$2800.00}. Spoke to the rental leasing office the gentlemen there said he was able to remove some of the bogus charges that the manager at the time place on my account but that was the best he could do. This is not acceptable as to they had no real grounds to charge me these fees and were placed on there without any accuracy. In addition the apartment was rented immediately after I moved so no funds were lost from the company from my vacated the property. Please remove this inaccurate information from my credit report.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34953	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX, Account name : Rentdebt Automated Colle, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
01/29/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 310XX	Web
I moved into XXXX XXXX in XXXX, GA onXX/XX/XXXX, 2017 and during my walk throughout without anyone from management I found pet hair throughout the apartment. I had an XXXX reaction sleeping in the apartment and notified the office immediately. They had someone come out and clean the carpet XX/XX/XXXX/17. That didn't work and I was still having health issues so they had some come do and XXXX cleaning which I had to be out of my apartment for all day. I told the office pet hair was still in the carpet and due to my XXXX I would have to move out since they didn't replace the carpet. I'm being charged for having to move out due their negligence of properly cleaning the apartment and feel I shouldn't be charged for having to move early because I'm XXXX. I told them I hadn't moved all my things in yet so whatever needed to be remove the carpet, etc could be. This is affecting my credit and I've tried working this out with them several times. I'm being charged {$1900.00} for termination
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web
The account is not mine and i never stayed at the apartments. I told them that they have commited Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. also this agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
06/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80022	Web
on XX/XX/2019 i received a letter from collections RDAC on claims owed to XXXX XXXX in the amount {$3500.00}. There were false accusations made by the other individual on the lease and with 2 months left on the lease they changed the locks without my consent and would not respond to me at all. The other individual then moved out and they send me the billing for the final month, damages and costs that were incurred. There was clearly 2 of us on the lease and after they clearly violated my rights and illegally put the charges just to me and not split my lawyer reached out for correspondence showing that the other individual was legally removed from the lease which they did not, will not and refused to provide to me, my lawyer or credit agencies. I at most should only be responsible for half but after kicking me out without notice, changing locks without consent and leaving me homeless i should owe them XXXX especially after the other person on the lease was leaving there alone.
06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33971	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
11/28/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 787XX	Web
After pulling all 3 of my credit reports, I 've notice a collection debt from RENTDEBT AUTOMATED COL SO CALLED ACCT. # XXXX, ( THE XXXX ARE INVALID MY CREDIT REPORTING STANDARDS ALONE ) ,XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I request that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!
05/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85301	Web
I have been trying to work with the credit bureaus ( XXXX, XXXX, and XXXX ) to remove erroneous credit information ( judgement ) for XXXX from Rent Debt Automated Collection since XX/XX/2015, for a debt I do not owe. To date, I have been unsuccessful in doing so. After numerous attempts to try to resolve with both the credit bureaus and Collection Agency, I decided to contact the XXXX XXXX XXXX and they too advised me that there have been many complaints about Rent Debt Automated Collection agency for reporting erroneous unsubstantiated claims against many individuals. I have been harassed and talked to in a unprofessional manner as well as, threatened. Since I have no knowledge of the amount owed, and nothing to show I owe, I am asking that, I receive intervention from CFPB to have this remove from the ( 3 ) credit bureaus. More importantly, hold Rent Debt Automated Collections Agency accountable for their harassment and the mental stress they have caused.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA XXXXX	Web
I received you're correspondence regarding my request for validation of this alleged eviction that you " verified. '' However, in the corresponding communication I did not receive any supporting or justifying documents from you nor the rental company as requested in my initial communication to you. Please SHOW me EXACTLY how you verified this alleged eviction. Both the documents and the process. Pursuant 15 USC 1681, you are required by law to communicate this with me within 15 days if requested. This is my second request at attempting to gain clarity on this erroneous insertion. If such documents are not produced within 15 business days please delete this from my consumer report. I am fully prepared and willing to file an official complaint against your company with the XXXX and the attorney general if you are purposely relinquishing my federally protected consumer rights under the FCRA. Attached is XXXX XXXXXXXX stating he cant provide proof of the debt
03/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34769	Web
On XX/XX/2023 at about XXXX I called RentDebt Automated Collections to settle my rental debt with them and spoke to one of their representatives. I asked her two times if by me paying this debt or settling it would it be removed from my credit report. The representative said yes and I quote " You will be able to apply at a new apartment complex ''. On XX/XX/2023 I applied at an apartment complex because my credit reports updated and it stated the collection was paid and closed. The very next day I got an email saying I was denied because I have a collection from an apartment complex so I called RDAC again and spoke to someone else and they said that they don't remove anything and that they have no record of my previous call just the payment. Now I lost out on {$90.00} applying somewhere new and with no hope of getting the collection removed. They are telling people yes it will be to pay the settlement to then say they don't delete it stays on for 7 years.
07/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 350XX	Web
I received a letter saying that I owed for a AC unit, after I moved out of the home. They are attempting to charge me for the AC unit, I moved out of the home with everything still in the same place all appliances which I provided my own refrigerator whereas the stove was the only appliance provided by signal properties Sometime in between me moving and them coming to lock up the vacant home an Air Condition unit was stolen. I Obtained a copy of my credit report and noticed a collection from Rent to debt automated in the amount of XXXX. I Contacted them and the explanation I was given was because the home was left unoccupied and that it was my fault that the AC was stolen.. Ive tried disputing the inaccurate information only for it to claimed as verified. This inaccurate information is harming my credit score and hindering me from obtaining housing. To a creditor the {$1400.00} looks like unpaid rent which in fact it is a attempt to collect on a AC unit,
01/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ XXXXX	Web
Account name RENTDEBT AUTOMATED COLLE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$2000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX XXXX AT XXXX XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TN XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Affected by natural or declared disaster. Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
11/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30534	Web
I received a letter from RentDebt Automated Collections that stated to call or write them by XXXX to dispute all or part of the debt. Their letter had a bottom perforated section I filled out to dispute the amount, which I mailed out on XXXX. I received no further correspondence and this debt collection company added the negative mark on my credit report on XXXX, after I wrote to dispute the debt amount. I then sent an email on XXXX asking why the debt amount was not validated as I responded to their letter before XXXX and checked the box to dispute the debt amount. They have not responded to my email from XXXX, today is XXXX. I have proof of the stamp purchase at the XXXX store to which I mailed the letter, I have also attempted to make numerous phone calls to which no one answers. I have a screen recording from today, XX/XX/2022 where I called 3 times that went unanswered. They dont seem to get mail or answer the phone, which is very suspicious.
12/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21225	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
12/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21225	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
11/29/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78660	Web
After pulling all 3 of my credit reports, I have noticed a collection debt from RENTDEBT AUTOMATED COLLE. XXXX XXXX XXXX XXXX, TN XXXX, ( XXXX ) XXXX pertaining an invalid account number and the amount that is not mine. The amount reported is {$3800.00}, reported XX/XX/XXXX. I DO NOT have a contract with them and DO NOT owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed XX/XX/XXXX no judgments are to be reported on neither 2 credit bureau 's. This is illegal again I do not owe this debt that the RENTDEBT has reported and it is not mine. I requested that RENTDEBT REMOVE IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M OUTRAGED THAT COLLECTION AGENCIES CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCURATE INFORMATION, OWED AND UPDATE NO PAYMENT ON YOUR REPORTS!
06/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78741	Web
RentDebt Automated Collections , LLC This company has sent me a debt collection letter in which I paid and illegally continues to request another amount even though I have already paid the debt in full in which I requested them to show me evidence in which I even owe them and where they got their information from and they continue to send me letters and are still trying to collect. They sent me the receipt in which I have posted here so you can see that the debt says I owe 0.00. I will be filing a civil lawsuit in my local court house due to the fact that they continue to illegally mis represent the debt on my report in which is causing me mental anguish and harm to my life. I can not move forward or even rent a place because of this misguiding debt they are reporting on my social. Amount of {$810.00} was reported in which I paid for. If the debt is not removed within the next 5 Days I will file suit in the XXXX County Courthouse.
05/24/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KY 402XX	Web
In 2012 I moved out of an apartment. Before I moved I notified the apartment manager 60 days before my lease was up of my pending move. I was told to make sure I dropped the keys in the night box and to clean the apartment well before leaving. After leaving I received an bill for damages to the apartment that was not true. I have tried to settle this issue with the apartment but was told that the bill was being handle by a collection agency. I called this agency twice to work out something just to remove this negative remark from my credit. Instead what I got was a rude agent that tried to get me to admit that I owed for this bill. I explained that I didn't owe for this bill because it was false but i want to work to have it removed from my credit report and the agent refused to work with me. On the credit report It mention that I owe XXXX. But the agent said I owed more than the XXXX. So this negative remark lingers on my report.
06/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76131	Web
First phone call was XX/XX/XXXX at XXXX. I explained to the collector that the debt had been removed from my credit through disputes filed in XX/XX/XXXX which they failed to respond to. The collector confirmed this information and said I would be placed on their do not call list. He apologized and said their system is slow to update. Second phone call was XX/XX/XXXX at XXXX. I explained to the collector whos last name was XXXX that the debt was removed after disputing it. I explained to him that I was already not to be contacted anymore about the matter. He told me the debt still exists on HIS records. I asked to speak to a manager who was busy and told them to not call me again or it will be harassment. He said I was placed on the do not call list again but I dont believe them. The company is rent debt automated collections. We have no contract and they are trying to get me to pay a debt that does not exist.
07/29/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33611	Web
Original Collector : XXXX XXXX XXXX XXXX XXXX : Rent-debt automated collection XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Date : XX/XX/2016 {$7500.00} amount This attempted debt info is completely inaccurate. I am a single mother to XXXX children and I was never behind 7 months of rent!? I have continued to Dispute this fraudulent information for 3 years now and the negative remarks on my credit report including this astounding amount is hindering my living abilities for my kids and I. I can not get anyplace with this info on my credit report. It is wrong and inaccurate and Im going to seek legal help with the Florida Bar Association for legal representation to Dispute this information and request for removal. My identity was also compromised with XXXX Incident 2016. Thankyou for acknowledging consumers and trying to get all of us the correct guidance and professional help we are seeking Regards, XXXX XXXX
08/18/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76182	Web
On XX/XX/2015 I sent in writing to the apartment manager the request to vacate as the property was not safe and caused my husband to have a XXXX XXXX and went to the hospital We can provide medical bills if needed. We stayed in a hotel to recuperate from the heat and upon returning to the apartment to collect our belongings they had stolen our personal belongings and trashed the rest of our things. Then they sent us to collections for a bill we should not have been charged for in the amount of {$2200.00}. We requested the fix the air conditioner unit in the apartment many times during our lease term and they would only send maintenance up to clean the unit and it still would not cool the apartment. The electric bills doubled and I can provide those as well. Please find attached the email. I tried attempted several times to solve this matter directly with them and they refused. So we now have damaged credit.
02/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	UT XXXXX	Web	Servicemember
XXXX XXXX XXXX hired RentDebt Automated Collections a year after I moved out of my apartment and is trying to say that I owe them approximately {$1600.00}. I gave proper notice to vacate, turned in my keys and forwarding address and never heard from XXXX XXXX XXXX until XX/XX/2019. I never missed my rent payment nor was I ever late paying my rent. And all i've received is a notice demanding money with no explanation whatsoever as to what I owe or why. This is negatively impacting my credit score due to the substancial amount and is preventing me from being able to obtain housing or anything regarding my credit report. I absolutely DO NOT owe this apartment complex money. I moved out early due to uninhabitable living conditions that caused major medical problems, resulting in over {$500000.00} in medical bills and ongoing health problems, but I continued to pay my rent up until my lease ended.
04/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60515	Web
On XX/XX/2021, I was notified about RentDebt 's collection that was reporting an account that I had no knowledge of until it was reported on my credit report. I called to speak to someone from this agency and sent them my lease and other bills that would verify that I was not at the apartment complex that they are reporting for. The manager stated, " You can have two apartments and light services. '' He did not take my original lease from my complex that I have been in for 5 years, and XXXX bill as proof. I then disputed the information with XXXX, and I sent them a 609 letter to verify and submit proof of verification and they denied me that information. The attachment is a light bill that is months prior to the date of debt. I There is only one residence on the bill. If there were multiple units attached to this bill, it would show that location of where the debt is trying to collect from.
09/11/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94603	Web
A credit reporting service named RentDebt recently started reporting that I have an outstanding balance owed to an apartment community for {$5200.00}. There is no way my outstanding balance could remotely be that high. I have contacted RentDebt directly, and asked them to send me a complete account detail, showing all of the charges that constitute the {$5200.00} in charges that they are trying to collect. I am also aware that this apartment community re-leased my apartment, shortly after I left. So I believe what's happening is that they are attempting to charge me full the full amount on the remainder of my lease, despite the fact that the residence was re-leased. Its illegal for them to try to hold me to the full term of the lease if they re-rented the apartment, so I also asked for the date my old apartment was occupied once I left. Of course, I have not gotten that information either.
10/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 40216	Web
RENTDEBT AUTOMATED COL FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. RENTDEBT has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine. Additionally, verifying this account through XXXX violates my rights for a 100 % diligent and reasonable INVESTIGATION under the FCRA. If you verified this account through XXXX I request immediate deletion from all 3 major credit reporting agencies.
12/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 31326	Web	Servicemember
Upon pulling my personal credit reports I noticed an entry from Rent Debt Automated Collections for a total of XXXX. The alleged debt was placed on my XXXX, XXXX, and XXXX reports because Rent Debt is claiming that I owe XXXX to XXXX XXXX XXXX XXXX of XXXX XXXX GA. I have maintained open communication with XXXX XXXX XXXX XXXX and I have been made aware that their office has no record of me owing a past due balance. I have submitted a dispute to Rent Debt Automated Collections through each credit bureau ( XXXX, XXXX XXXX, and XXXX ), and each dispute has returned stating that the alleged debt for account number XXXX for XXXX has been verified as being valid. I am very confused as how this debt was verified as belonging to me and I have since spoke with the manage from XXXX XXXX XXXX of XXXX XXXX who informed me that they show my account as being closed with a XXXX balance.
09/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77047	Web	Older American
On XX/XX/XXXX I attempted to resolve this debt with RentDebt Automatic Collection LLC. I was not aware of this debt of XXXX until this week, I lived at XXXX XXXX at XXXX XXXX in XXXX, faithfully paid my rent for 44 months without ever being late, they are stating this is the charge for not giving a 30-day notice before moving out which I believe is unfair to a women my age, although again I was not aware of this debt, in good faith I called to try and resolve this issue, making them aware of the fact that I am XXXX XXXX XXXX on fixed income with very little money to spare. I am willing, not able to settle for 50 % leaving me very little to live on but I believe in taking care of my personal issues. They are refusing to do anything more than 30 % which I am unable to afford. I NEED HELP with this matter ASAP. I am attempting to do the right thing. PLEASE HELP Thank you!
03/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07109	Web
On XX/XX/XXXX I received a Final Account Notice from XXXX XXXX ( XXXX XXXX ) showing the amount I owed from moving out of my apartment which was {$280.00}. I did not pay this right away and the account was sent to a collections agency named RentDebt Collections. On XX/XX/XXXX I paid RentDebt the full amount of {$310.00} for the debt which included additional interest and fees. I did not settle this account, it was paid in full. On XX/XX/XXXX, 7 months after I moved out and 2 months after I paid the debt in full, I received a NEW Final Account Notice from XXXX XXXX ( XXXX XXXX ) charging me an additional {$130.00} for the collection fees that they were charged by the collections agency that they hired. Also, RentDebt has stated on my credit report that the debt was settled - less than the original balance when I PAID THE BALANCE IN FULL PLUS INTEREST AND FEES.
01/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48239	Web
Rent Debt Automated Collections contacted my niece who contacted me the week of XX/XX/2020. Apartment complex left a note on my door in XXXX of 2020 stating 60 day notice needed to be given if you intended to leave at the end of the lease XX/XX/2020. I spoke with someone in the leasing office who stated I only needed to submit a 30 day notice, I did however still e-mail ( in XXXX ). I turned in keys ( XXXX or XXXX ) and spoke with leasing office who stated no monies was owed. 5 month later I received a call from a debtor stating I owed XXXX XXXX in XXXX, MI {$850.00} but could not give an explanation of what the balance was for. I also never received any prior phone calls/e-mails/letters from XXXX XXXX or the Collection Agency ( Rent Debt Automated Collections ) in regards to the debt. I made several attempts to reach out to XXXX XXXX but no one will call me back.
07/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 344XX	Web
I checked my credit report in approximately XXXX and disputed an attempt to collect a debt from a company claiming I owed them rent money. Several attempts made to contact representative via phone failed, I just called her again at XXXX XXXX XXXX and the rep is on break again. They claim I owe them {$140.00}. On recheck of my credit report today, another attempt to collect a debt from a different company claiming I owed them a significant amount of money, {$15000.00}. Communication with RDAC was established, with the representative placing a fraud alert on the account and attempting to contact business. They are sending packet to complete for fraudulently activity, recommended I file a police report and take steps to further secure and protect my identity. I do not, nor have I ever resided or attempted to reside in the areas these companies/business are located.
05/24/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78045	Web
RentDebt Automated Collection representing XXXX XXXX XXXX {$9300.00} XX/XX/2017 request reasonable accommodation and modification for my XXXX XXXX son at the apartment complex where we start living on XX/XX/2017, after providing the form they requested together with doctor recommendations letter, the administration never responded forcing me and my family move out from the community. I spend again in deposit and first month new rental with the moving spent, Administration apologies letter received for how residents where affected by the violent environment. But never did anything in particular for my family. I start receiving calls letters from this collection agency who is reporting that I owe $ XXXX, I try to talk to them and XXXX XXXX XXXX they still reporting this false debt statement into my credit, preventing me from purchasing a house for my family.
07/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	LA 70816	Web
I decided to just settle this debt with RentDebt Automated and they informed me that as a courtesy they would delete this account from all there credit bureau 's. As of today XX/XX/20 this has not happened. I informed RentDebt Automated repeatedly that this account was not mine ( fraud ) but decided to settle just to get it resolved. I explained this to RentDebt Automated. I am asking that they delete this PAID collections from all 3 credit bureau 's. This issue has caused me be turn down for employment which I should have qualified for. Due to the current economic crisis we are currently in I had to seek employment, and this PAID collections is negatively effecting me. The issue with this account is not a good indicator of my actual credit worthiness. I have tried very hard to remedy this situation as well as make sure my credit isn't impacted negatively.
07/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 463XX	Web
On XX/XX/XXXX, i was notified that a collection was added to my credit report from Rentdebt automated collections. I have never had any type of services nor have i ever had any contracts with this company. I was never notified by mail nor phone regarding this debt at all. I have tried to dispute this and the credit bureau stated that the company assures them that this is accurate and it will not be removed. I do not owe this company anything and my rights were definitely violated as well as reporting false information and damaging my credit and for trying to collect an amount i do not owe them. I also know that it is against the law for any courts to give out information. I want this removed from my credit file on all 3 credit bureaus immediately. If this is not solved in a timely matter i will take the next step and submit my complaint to the FTC.
01/20/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 76227	Web
This company has reported this debt on my report report has being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all XXXX credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks
01/08/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	FL 32233	Web	Servicemember
I moved in to XXXX XXXX apartments in XXXX and moved out in XXXX but they are saying I owe them money for unpaid rent. I have never been late or had any trouble while I stayed in the apartment while in my lease. I have a copy of my lease that ended XX/XX/XXXX so I do not owe the apartment complex. I have contacted them and asked them to remove this as I can't get another apartment until I prove did not owe them for the time they have listed. I was in the hospital and family moved my belongings and now I am trying to get a new place and was told I had a dept. XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX. I have never been late or not paid a dept please ask them to provide pay history as I have asked and got no response, I even sent a copy of lease because the dates that have I was not in a lease or contract
12/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 390XX	Web
This company is reporting a credit card on my credit reports and refuses to delete the information. Ive disputed this account multiple times and it keeps returning as updated after only 1 day of being open. Ive asked the original furnished to provide to me verification in the form of the original consumer contract with my signature on it and all Ive received was a print out of the account with a list of information and no signature anywhere. They continue to report my information even when they have no verification. The credit bureaus also have failed to investigate thoroughly because if a human being actually investigated and not XXXX, they wouldve deleted this account a long time ago. The negative reporting is defamation of character and I am preparing to seek litigation for damages caused by the negative reporting.
05/24/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75605	Web	Servicemember
Back in XXXX there was mold all over the walls of my apartment at the XXXX apartment complex. i contacted maintenance on multiple occasions and left messages for the office but no response about the black mold. i emailed them on XX/XX/XXXX about me vacating the premises because i have XXXX and other underlying health conditions and it was affecting my health they came out and just tried to paint over it and they thought i would stay. they told me over the phone that i would not have to pay the debt and they even wrote a letter of recommendation to my current apartment complex where i live now so that i could move in with no problems. now XXXX i have a collection account on all three credit reports for {$2400.00} through Rent Debt automated collections. now XXXX will not answer or return my calls about the debts.
02/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ XXXXX	Web
When I moved out of XXXX XXXX XXXXXXXX XXXX apartments, I was incorrectly billed after satisfying my full lease per an agreement I signed in person with the leasing manager. After moving out, I received notice that they would be adding a charge to my account that I never agreed to or signed for. I emailed them to notify them that they were in breach of our original agreement and that the charge was not accurate. They ignored me and sent me to collections. I have sent several letters to rent debt ( the collector ) to get the charge reversed but they only respond with an old lease agreement that has nothing to do with the charge they are billing me for. This company was entering into apartments without authorization. Many of the tenants were alarmed by the behavior of the new ownership and management company.
06/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 775XX	Web
My brother was renting an apartment in my name and paid every month until the end of the lease. His next move was to move out with a friend or stay there for another 6 months. He informed the apartment complex of the situation and advised them that he would have a final decision within the last 2 weeks of the lease. He did so inform them that he would be moving out within that 2 week time period. They then told him that because he did n't turn in a 60 day notice that he would owe 2 additional months rent @ market value because that notice was not turned in. He did n't turn one in because of the uncertainty of where he was going to live and was in complete communication with them to this fact, but they then charged to my renter 's history the 60 days @ market value when the entire lease term was paid in full.
03/31/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 775XX	Web
Debt collector is trying to collect {$4800.00} in fees for an apartment I had rented. The apartment ended up being roach infested in covered in XXXX. I gave management several chances to correct the issues and gave them chances to let me out of my lease and refund my money. They insisted all they would do was take 60 days of rent paid and no fees. So I paid 2 months rent and broke the lease. After they went back on what they said and charged {$4800.00} in fees. Now the credit collector has attached this to mine and my XXXX XXXX XXXX daughters credit reports, ruining our credit. I legally broke the lease due to health hazards and even paid what the property was asking, even though legally I didn't have to. I should not be lied to and charged fees, I've already lost thousands because of the property.
09/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77083	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX XXXX would verify the debt. So I took it upon myself to ask XXXX XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
03/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75204	Web	Servicemember
I was notified by XXXX that in 2017 a rental debt was placed on my credit report. Although, the debt in question does not and has never belonged to me. I immediately went to the apartment located on the file, they stated that they couldnt help me, as my name was the name on the lease and I didnt match the photo. I expressed to them my identity had been stolen, but they were unwilling to give me any further information. I then proceeded to call the debt collection agency, which also stated that the debt was in my name although I had never lived there. They stated that I would have to pay, regardless. For the past few years I have been attempting to dispute it off my credit with no success. The debt collection agency will not remove it even though though I can prove they lady in photo isnt me.
10/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30312	Web
I will get straight to the point. Rent Debt is still reporting a PAID collection on my file and my husbands file two years later. This debt was paid back in XX/XX/2018 and the file keeps being updated as a paid, closed account. Please tell me what the XXXX is there to update?! Its a FULLY PAID DEBT. Ive called on multiple occasions to find out how or who I could speak with to have this removed and the response has been the same each time and unhelpful - I was told that they dont remove reports or send deletion requests/letters to the credit bureaus which is complete XXXX. They are the furnishers of this report so they can easily remove the account. A paid collection serves zero purpose on either of our reports. This account needs to be removed expeditiously - from all three credit bureaus.
05/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 773XX	Web	Servicemember
RDAC continues to violate my consumer rights. RDAC has been notified and invoiced for their violations of my consumer rights. They have been non-responsive and non-compliant to those identified violations. RDAC refuses to provide any contractual obligation to pay them. RDAC refuses to provide any prior consent from the consumer to communicate with third party financial institutions. RDAC has admitted being given permission by their client to communicate my personal and private information to creditor reporting agencies. RDAC has only provided statements and photos from their client that does not constitute an obligation to pay them anything. RDAC is liable to pay this invoice to the consumer under the Congressional law of the FCRA pursuant to 15 USC 1692k ( a ) ( 2 ) ( A ).
01/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92203	Web
This is regarding the : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX When we moved out of our apartment in XXXX, CA. We were never informed or asked for a forwarding address after we moved out. We were given the impression just to turn in our keys and vacate the apartment in a clean and orderly manner. We weren't aware that we were gon na get billed let alone sent to collections. The only reason we were made aware of the collection on the bureaus was when we were getting ready to purchase a Home. We have since paid this debt in full. But this is still an issue because we are now trying to refinance our home and it's showing a as a negative on my bureaus and causing me not get the refi or pay a higher interest rate. This is simply not right and I'm asking for your help.
06/05/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77044	Web
I moved in to XXXX XXXX XXXX XXXX XXXX located in XXXX tx XXXX on XX/XX/XXXX my lease was from then until XX/XX/XXXX.. I sent my 60 day notice via email which is required in the lease although it isnt stated how it should be received just a written notice. I vacated and left the apartment spotless which I have pictures to prove.. I have the manager XXXX my forwarding address to which I got a letter 3 months later in XX/XX/XXXX stating I owed over XXXX in debt because I didnt give a notice and they charged me a reletting fee and also some other minor charges.. I have tried several times to resolve the matter by sending proof of harassment previously experienced by XXXX and also pictures and proof of my 60 day notice with a response of my rental ledger but all to no avail.
12/12/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 76086	Web
On XX/XX/, I gave moved out of my apartment after give my notice near in of the lease at XXXX XXXX residences in XXXX Texas. I asked if owed anything and they said no. Less than three weeks later I get a collections for nearly {$3900.00} and they reported to credit bureau the collection on XX/XX/XXXX. After fighting them for nearly year that I didnt owe that amount they finally sighed into their file and saw that {$3900.00} was incorrect. I only owed {$300.00} which a bill was never sent to me before going to collections. I paid it when they corrected there information. but its still reporting on my credit record and I think this deceptive practice and violates housing regulations. I hoping the consumer protection will look into this and get it off of my credit report
09/22/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	NC 27610	Web	Servicemember
Signed non disclosure with property management to terminate lease without penalty or fee Moved out of XXXX XXXX XXXX in XX/XX/XXXX Paid remaining rent in the amount of {$1000.00} on XX/XX/XXXX and received confirmation from them that it had been paid Sent to collections for {$1000.00} on XX/XX/XXXX Called the property manager and e-mailed to which we were told it was a mistake on their end and they would fix it. After a series of e-mails and calls for 2 months I sent a dispute on my credit file on XX/XX/XXXX to which the dispute was not resolved despite the proof of payment and confirmation from the property manager themselves! This amount is still on my credit report adversely impacting my score and financial stability along with my federal security clearance.
04/15/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	AK 997XX	Web	Servicemember
I lived in an apartment XXXX XXXX XXXX Kansas. I broke my lease with XXXX XXXX which legally I can without penalty sending me on XXXX. I paid the company the amount of rent that was owed for the days I occupied the apartment. The company requested for my to pay them the whole rent and that they would reimburse me. I paid them only what was owed I did not see any sense in giving money to just get it back. So I dropped off my check for the amount owed for occupancy for that month and left. Years later the company put a whole months rent on my credit report to say I didnt pay the whole rent when I was only in occupancy for 10 days before leaving. They are putting false information on my credit report and putting a collection balance of something I never even owed.
08/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75455	Web
I have disputed a fraudulent account. Rent Debt Automated collection through XXXX. I submitted police report utility bill indicating documentation proving this account was open up in my name without consent or knowledge. I contacted the collection agency with my social security number ID police report and utility bill and this company advised they would send me a affidavit to sign which they have failed to send I have been waiting since XX/XX/XXXX for the affidavit. This account is incomplete and unverifiable. How do you verify account when I have documentation indicating identity theft what was your method of verification? XXXX is reporting incomplete and unverifiable information to my credit report which is negativity effecting my credit report.
07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37129	Web
Representative acknowledged they has the wrong contact information -except email-which was how the individual was initially contacted back when account was sent to RDAC. RDAC sent account to credit report without notifying intent to do so per federal law of a 14 day notice which requires a debt collecter to speak to individual directly, send electronic communications, or mail individual notice. Even after, individual reached out to company multiple times to reset password to portal-without willingness to do so. RDAC did not up date phone number, which changed later part of XXXX, or mailing address when requested. Account is current and would like the account removed from credit report due to violation of federal law credit reporting requirements.
03/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30253	Web	Servicemember
This debt should not even exist because the apartment complex was notified 30 days in advance regarding my moving out. I was still charged for a partial month. I am willing to pay {$400.00} to settle this debt, but when I called, no one sees any of the notes about my negotiated amount. I lived at this complex XXXX XXXX XXXX, in XXXX, GA from XX/XX/XXXX til the end of XX/XX/2018. Even though I should not be paying this at all, I'm willing to pay the {$400.00} as agreed to by the collection agency to have this removed from my credit, entirely. NOT PAID AS AGREED. I've spoken to the credit bureaus and they informed me that the collection agency was just reading notes from the original debtor of this account. Please Advise. Thank you
04/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 318XX	Web
This debt was placed on my credit report by RDAC who did not provide written notification of this debt or the right to dispute. RDAC stated the letter was mailed to my last known address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, no apartment number, so therefore it would have been sent to the leasing office, which would not come back undeliverable ( who has lost and not provided my mail before ). The previous complaint RDAC attached the lease with the XXXX XXXX XXXX XXXX, it clearly states move out date XX/XX/ and move out reason was XXXX XXXX, their client does have our forwarding address and did not provide us with a written statement of move-out charges. I would like a written letter of this debt to my correct address
03/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	SC 293XX	Web
A paid collection being reported with a balance on my credit report. It should have been removed. I had a debt with an apartment community that went to this collections agency. I've paid the debt and as of now the RentDebt company is still reporting the account with a balance. I also was told by them that the debt would be removed if I requested it. I have had no actual contract or any agreement with Rent Debt that makes me liable to them, nor did I receive any dunning notice before the debt was placed on my credit reports. They are in violation of FCRA. They need to remove this paid debt from my credit reports. The representative I spoke to said it could be removed if I requested it to. They can review that call.
03/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78681	Web
I created an account to monitor my credit and was surprised to see a collection on my credit profile that was updated to paid when it was to be deleted with payment. When this balance was addressed I was informed it would be removed from my credit with payment. With further research, I find that I should have been allowed a statutory period in which to dispute the validity of this debt since it was not my debt to pay. Due to the fact that I was not provided the option to validate the debt and the fact that I was advised it would be deleted from the credit bureaus with payment, I would like this collection removed from my credit due to erroneous, mdeceptive collection practices. Thank you XXXX and XXXX XXXX
11/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75165	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
01/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75035	Web
I have a current debt that isn't mines, I tired several times to dispute the debt as it's affecting my credit and has even cost me additional cost when trying to get an apartment when I needed during my transition of building my new home. Both the company and the three bureaus have failed to provide me written proof of the this debt. I have provided proof of my current and past addresses in the last 15 years, which doesn't comply to what they have on file. The bureau continues to send info has been verified with no proof and refusing to validate the debt and continue to report the erroneous negative debt. Rent Debt Automated XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. TX XXXX
11/09/2017	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 752XX	Web
This is my final chance giving you the opportunity to remove this debt off my credit. There is not debt that I owe. You are the company that is reporting this debt on my credit not the original creditor, so therefore it is your responsibility to remove the debt if you can not validate the debt. You have not provided the contract showing that you are representing the company to have jurisdiction to put anything on my credit. I have NOT signed a contract with you what so ever! The company that you are stating that i owe has not reported anything on my credit, and unless you have jurisdiction to do so and can prove that I owe this debt, you cant either. Again, your final warning or you will be sued!
03/31/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 46360	Web
I checked my credit report and there was a collection from a company called rent debt collections. For past due rent in the amount of XXXX. I called and asked where this was from they said from my old XXXX XXXX XXXX XXXX apartments. I was never notified of a debt until after it was on my credit report. My lease was up in XX/XX/2023 I reached out to the rental company several times about renewing my lease, and since I never got a response, I vacated the premises. I received an email in XXXX stating that my lease wasn't going to be renewed. I was being charged rent for an apartment I already vacated. Three was no rental office on the property anymore so there was no one to talk to the situation.
07/15/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78045	Web
I rented an apartment at XXXX XXXX XXXX, I have an autistic son ant the neighbor start complaining about my son noises during the night, neighbor come into my unit apartment knocking in law manner disturbing my son with the yelling and at the same time the management department was asking me for my son not to do that much noise, which I ask them to move me into a first floor in consideration for a disable person, they did agree but never resolve the acomodation, which force me to move out from the complex. Management treaded me to affect my credit with out offering me any other option so I have to look for my son 's well bein and metal stability. I do not recognize this charges at all.
03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75208	Web
I recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. On XX/XX/XXXX I settled with RentDebt for XXXX. I was informed that they would report my account Accurate and as Paid. I have found several inaccuracies with XXXX, XXXX and XXXX. This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -XXXX has payment status as : Legally paid in full for less than the full balance -XXXX has payment status as : Paid XXXX has NO payment status XXXX is reporting this account as open
01/05/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77090	Web
I moved from XXXX XXXX in XXXX XXXX, La in XXXX of 2021. I have Email and Written letter proof where I advised the leasing office I would not like to renew my lease on XX/XX/2021 and I would be moving. They proceeded to place a collection debt and eviction on my credit for {$930.00}. While living there the rent was only {$740.00} which I paid for the last month I was there. I tried to call and speak to the leasing office and property management in regards to the issue where I was met with push back and verbally offensive treatment. They were not willing to tell me why they felt this was my responsibility. I am looking to have these false claims removed from my credit report.
02/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21225	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights. I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
11/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KY 40216	Web
" NEW ISSUE '' Rentdebt Automated claims they verified this debt which I requested for them to send back to the original creditor as I know nothing about this debt. Please provide as you uploaded documentation of this debt. The method of E-OSCAR documentation you sent to the credit bureaus to verify this debt. Section 623 ( a ) ( 8 ) I'm requesting the record of documentation you sent to the credit bureaus to be uploaded via the CFPB portal you sent to the credit reporting agencies. If it is fount you verified this debt with a 2 or 3 digit numeric code instead sending this documentation to the credit bureaus I will be seeking litigation for the damages.
06/16/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75040	Web
RENT DEBT AUTOMATED COLLECTIONS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78212	Web
I owed RentDebt Automated Collections LLC a balance of {$680.00} from an old apartment. I paid this off months ago, and didnt know that it was impossible to get this deleted from my credit report. I am applying for an apartment that runs credit through XXXX and even tho this account pops up as paid in full, they refuse to approve me until it is just gone and doesnt pop up. I have contacted the creditor and they claim that it is impossible to get this deleted. I have no other housing options as this is the only place I have to live with a roommate who is already here. I wanted to try everything I can do to get this account taken off my reports.
11/12/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75228	Web
Rent Debt Automated has indicated in their XXXX/XXXX/15 response to my complaint that they " closed and returned the account '' ; however, they did not indicate that they removed it from my credit listings. See Attached. Rent Debt are the ones who reported the invalidated and inaccurate debt and they must be the ones who contact ALL XXXX CREDIT BUREAUS and have it removed. They have not been able to validate this debt and under the laws of the state of Texas, and the FDCPA, Rend Debt MUST REMOVE ALL REFERENCES TO THE INVALIDATED DEBT FROM ALL OF MY CREDIT LISTINGS. Please instruct them to REMOVE this account from my credit listings. Thank you.
09/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
Rent Debt LLc has been after me since XX/XX/XXXX but never disclosed that I was allowed to dispute. I did contact the company through mail twice but no response has been received as asked to verify that I have a contract with their company. I know many creditors send a spread sheet I am requesting a contract I signed with Rent Debt. I also called on XX/XX/XXXX to verify if the statue of limitations passed which they have XX/XX/XXXX and the date of the last payment. The company declined to answer those questions but did disclose I promised to pay in XX/XX/XXXX. I feel as a consumer these type of practices are unethical and wrong in general.
01/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75208	Web
RentDebt is Reporting a debt that I dont owe. I sent a Debt verification letter to rentdebt asking them to verify this debt. Rentdebt sent my a signed lease. That doesnt justify I owe them anything. Rentdebt is Reporting to all 3 credit bureaus that I owe them {$2100.00}. I sent a debt verification letter to XXXX, XXXX and XXXX. All 3 Credit bureaus came back verified. I went to XXXX XXXX XXXX XXXX XXXX complex to see why I owe them {$2100.00}. They informed me that they didnt have any information about me owing them anything. Rentdebt has not properly verified this Debt of {$2100.00} but continues to report to all 3 Credit bureaus
12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77584	Web
On XX/XX/XXXX I made a {$1700.00} payment to RentDebt to remove a collection off my credit report. Before I made the payment I was told I would get a deletion letter. After the payment was made I received a XXXX balance letter through email. After a couple weeks I called to check the status on the deletion letter and was told that they only provide a XXXX balance letter. I called RentDebt back on XX/XX/20 to follow up because I was informed that this company does provide deletion letters. The deletion letter that was promise at the time of payment I was told again by an agent that RentDebt only gives the XXXX balance letter.
06/08/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	SC 29687	Web	Older American
I received a letter in the mail saying I owed {$13000.00} to account # XXXX XXXX XXXX XXXX. This is not true. I was up to date with my rent. The landlord there gave us a 3 day put out now i am XXXX with both knees XXXX on XXXX my husband is XXXX with XXXX, we never received anything to go to court. We lost more than half our belongings because they locked the door and would not let us back in.I was unable to get any my kitchen things, had to leave our washer and driver, my husbands tools No bedroom furniture a lot was left and we were unable to get it. We were unlawfully put out and we lived there 8 years and this happened [
04/03/2020	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76108	Web
A previous co-worker stole my license and had access to my personal information and used this to rent an apartment in my name and then broke the lease and now the apartment property has put the entire debt on my credit and this has ruined my credit and is preventing me from being able to rent a new property. At the time this occurred I was not aware as I have been in the same rent house with my husband for 5 1/2 years. This occurred just 2 years ago. I have disputed these charges with the debt collectors and the credit bureaus and they are not accepting this or helping me or willing to remove it from my credit report.
03/21/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28215	Web
I was a resident of XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. When I moved out I sent the paperwork needed as well as turn in my keys. XX/XX/XXXX I received a notification on my credit that I owe {$4800.00} to RENTDEBT AUTOMATED COLLECTIONS for XXXX XXXX. I contacted the original creditors which was XXXX and it took almost a year for the information to be corrected. I have disputed the original information and uploaded new information and this item still remains on my credit report. I would like this removed immediately because the information is incorrect and there is no way that it was validated accurately.
05/19/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TN 381XX	Web
my name is XXXX XXXX I stayed in XXXX XXXX for XXXX years i was on base on income meaning if I lost my job, being ill or anything of that nature my rent will go down to XXXX dollars I lost my job XX/XX/2021 I reported to the apts XX/XX/2021 which I screen shot in sent to you which brought my rent back down to XXXX! I was originally XXXX I moved out my apt XX/XX/2021 because my least was up I returned my keys and was done never went to court or had a court date this apt have had more then XXXX managers fired forms stealing tenants money I dont know whats the problem but this is incorrect I have sent in my proo
02/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 275XX	Web
I rented an apartment from The Avenues at XXXX XXXX. I moved out and to NC in 2016. I gave a 30 day notice in writing 3 times because they kept losing it. I had the apt professionally cleaned and turned everything in to the office. A year later, rent debt automatic collections, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX begins collections for {$6500.00}. I disputed it on my credit report twice. Ive called The Apartments at XXXX numerous times, have left voice mails and have never been called back. I do not owe this apartment complex any money and want the resolved and off of my credit report immediately
02/25/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85044	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
03/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA XXXXX	Web
The company Rent Debt Automated Collections ( RDAC ) located at XXXX XXXX XXXX XXXX, TN XXXX called me on XX/XX/XXXX stating I owed XXXX dollars for rent from The XXXX XXXX XXXX in XXXX NY XXXX XXXX XXXX, XXXX, NY XXXX. I moved out of that apartment in XX/XX/XXXX. I was told i could move out and they kept my deposit. They never once called me or emailed me about this debt. RDAC did not give me a letter of debt notice. They just posted this debt to my credit report companies and then when I went to rent an apartment in XXXX DC, I was declined because of RDAC derogatory credit notice on my report.
01/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 314XX	Web
I sent a letter to RentDebt Automated Collections , LLC. Requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that i am obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted. I have no known relationship with Rentdebt Automated Collections LLC. i am unaware of how they obtained my personal identifying information without my knowledge and/ or consent.
08/25/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75230	Web
I had a written agreement with XXXX XXXX XXXX in XXXX, TX to pay a re-letting fee once COVID was over. The agreement was initiated in XXXX of 2020, and the agreement was for us to " touch base '' after the pandemic ended. I never received anything else from the in regards to the debt. No one ever " touched base '' with me, or tried to reach out to me for the debt before just sending it to collections. I never had a problem repaying the debt. The apartment manager told me to " not worry at all about the payments right now '', due to the pandemic. I have attached supporting documentation. Thank you.
10/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89148	Web
Company contacted me saying i owe a specific amount with no proof. Threatened to affect my credit if I didn't start paying. This occurred in XXXX of 2019. At that time I just found out i have stage XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and became XXXX. I started making payments. I have to renew my XXXX with California every 10 weeks so i did not receive income for 3 weeks waiting on doctor to renew my XXXX. I informed the company but they went ahead and reported the account to the 3 credit bureaus affecting my credit. One month had not even passed and they did that injustice to a XXXX person.
04/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 765XX	Web
In 2022, I was contacted by a collection agency on behalf of XXXX XXXX XXXX. I was informed its located in XXXX XXXX ; I was being contacted in-regards to a debt for there client The balance owed was a little over {$5000.00} dollars I told the rep I had never lived at XXXX XXXX ; On my credit report its reflecting the start date was XX/XX/2022 I was living in North Dakota at the time and I have my lease to prove I signed my new lease XX/XX/2022 at XXXX XXXX XXXX XXXXXXXX ND They requested for me to send it along with a notarized affidavit they've stated they haven't received it as of yet.
11/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 63139	Web	Older American
This {$640.00}. amount in collections from a past rental lease in 2015 was never owed. I lost my job in XXXX. The lease, when terminated, was current. The apartment complex kept the full security deposit. When vacating the apartment, the manager said I was paid in full. The check-out form was signed by myself and the apartment manger. This form was kept by the apartment complex. I have asked RentDebt for a copy of the final form and they have refused to comply with my request. The debt is not and was never owed. This collection amount should be removed immediately from my credit report.
01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 027XX	Web
My credit report shows a collection account called rent debt labeled ( XXXX XXXX XXXX ) I have never heard of either of those companies, I had my identity stolen in the past with accounts opened in my name and this is definitely fraudulent. I never received a debt validation letter nor a debt verification letter and the address the company has for me I have never lived at before in my life ( which i can also prove ). This debt is not mine & it needs to be removed. I have police reports proving the past identity theft as well and how the company never contacted me to validate this debt.
02/24/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	FL 338XX	Web
I lived in a condo 2 years ago. And I tried to received my deposit amount for 2 months after my departure. They said they would deposit, but they never deposited. After 2 months claiming they would deposit. They forged a report on a retroactive date and made only by them, alleging several problems in the apartment where I lived, where nothing was real and journey, with the entire amount of money raised to carry out already scheduled renovations in the apartment. A real crime I can't solve. They did not return my deposit and even placed an illicit collection debit in my name.
04/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30013	Web
This debt was a result of identify theft and is NOT a valid debt owed by me. The collection is reported on my credit file with XXXX. I contacted the original creditor XXXX XXXX in XX/XX/2018 and the current debt collection company ( RentDebt Automated Collection ). My documentation supporting the dispute such as a police report, filing with the FTC, letter to the original creditor and ID, etc has been provided to the debt collection company and XXXX ; however, the collection company maintains the account status is valid debt and the collection remains on my XXXX credit file.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34606	Web	Servicemember
In accordance with the fair credit reporting act XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 165B : A creditor may not treat a payment on a credit card account under a open or close end consumer credit plan as late for any purpose. I want this deleted asap because I did not authorized nothing or sign nothing of a debt, plus I dont own any debt to any renters.
07/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 320XX	Web
XXXX XXXX XXXX located at XXXXXXXX XXXX XXXX at XXXX XXXX XXXX sent me to collections with XXXX XXXX XXXX for {$17000.00} without explanation. We moved out XX/XX/2021. We did not break lease and cleaned apartment before leaving. They have no list, or letter on why they charged this. Called company and they give no reason. This amount is more than a years worth of rent at this property which was income based and HUD. Ruined my credit with no explanation. XXXX XXXX was also the main person listed on lease. Again, company gives no letter, warning or explanation.
01/07/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 78233	Web
For the XXXX XXXX XXXX complex, I moved out on XX/XX/2019. Rent was only {$840.00} plus utilities which equated to about {$950.00}, which wasnt paid since I moved out for XXXX and XXXX. If thats only 2 months and I had a deposit of {$840.00}, nor did I have any pets or animals and I cleaned the apartment before I moved out. Theres no way I owe {$4000.00} for 2 months. There was no damage to the unit either and all keys and gate openers were returned. I feel that I am being over charged for this broken lease. I have intent to pay but only what I owe.
07/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 350XX	Web
Rental Automated Debt Collection placed an account on my credit report for {$8600.00}. Ive never received no type of communication from them and Ive explained to them that this isnt my debt. Rep on the phone already told me it was inaccurate information and still will not remove the debt from my credit report. I was told by the rep that they dont have to remove anything from the credit report even if its paid. Also proof of that is on several of there reviews. Theyre also not licensed to report anything on my credit report in the state i reside in.
04/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77026	Web
RentDebt Automated Collections continues to report a derogatory collection account to my consumer credit file. At this point I am requesting ALL contractual documents stating and proving that I am and was responsible for this account as well as agreed to third party collection activity. I have learned that Credit Control is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.
04/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95207	Web
On XX/XX/2020 I called RDAC to settle this account. I paid the exact settlement amount that was offered to me by XXXX XXXX. I previously disputed this debt with RDAC and the only information I received was that it was verified from the credit bureaus. I never received any notices about this debt as I moved out of state and was never contacted or received any mail. This is single-handedly preventing me from renting a home. I settled this account, and I never received proof that the debt was valid nor was I contacted. This debt should be deleted.
06/15/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	TN 38135	Web
2. The next complaint is XXXX XXXX College is reporting the same debt twice on my credit report from XXXX XXXX XXXX and Rentdebt Automated Collections. Both have the same amount owed and paid. XXXX XXXX XXXX is showing XX/XX/XXXX and Rentdebt is showing paid XX/XX/XXXX. I don't understand how they are able to put the same debt on my credit report twice and have different dates of service with the same account number. I called both parties and no one seem to know why it's being reported twice but XXXX or the collection agencies will fix it.
12/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32244	Web
I began questioning this organization in XXXX of 2022 and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 2nd time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
07/13/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33334	Web
Rentdebt Automated XXXX XXXX XXXX XXXXXXXX XXXX this account was sent to collections for total of {$4200.00}. Ive repeatedly asked collection company to remove item off credit report, to produce documents regarding original contract of debt, i firmly believe this is misleading information and this is all wrong. What contract did i violate to deserve this debt? The manager of XXXX XXXX XXXX,, do they have this document on file? I need proof please, or otheriwse remove this. It's damaging my credit. I did not do anything wrong.
03/01/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	UT 84070	Web
This company says we owe XXXX. The falsified the papers said we moved out a month and 10 days later than we did signed the documents when other person did not sign the place was rented out less than a month after we moved out they sent us stuff from XXXX and we moved out in XXXX papers for validation of debt was not current the place never fixed anything when you called them dor repairs they are saying we owe more money than we do not to mention this took place during the covid 19 pandemic they would not work with us at all
07/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75025	Web
Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID and also my signed affidavit that the company provided to me. Also my report of identity theft. You can see the signature of my ID does not match the signed lease they have. I do not own this account I am a XXXX from XXXX I do not own any money on any accounts to anybody.
02/25/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 38138	Web
The collectora called RENT DEBT AUTOMATED COLLECTIONS contacted me via phone arguing that I owe XXXX from.a debt in XX/XX/2018 because I left the rental unit in XXXX Tennessee before the contract was due. I left because the bathroom did not work. And I have XXXX children that were using the yard to XXXX and XXXX. I wrote letters to the leasing office, but they never responded me back. They are damaging my credit score because of that. So, I agreed to pay it in parts. But it is too high. Thank you XXXX XXXX
02/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30135	Web	Servicemember
This creditor has placed an account on my credit bureau despite having the information in their possession that shows that the notice of the debt was mailed to THEMSELVES and not to me. Despite multiple attempts to discuss with XXXX at the leasing office, they mailed a notice to their own address with no APARTMENT number for the notice to even be forwarded and the mail MUST have been delivered to them, as it was sent to their own address as shown in the letter uploaded to the CFPB by the RentDebt employee.
11/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19142	Web	Servicemember
One day the collection just showed up on my credit report. I never received an documents from the credit agency or the apartment company giving me notice of a debt. I have called the company many times and have not received any documentation of this alleged debt. I was informed that there were discrepancies in their system and I would receive a call back. It has been two months since the collection was placed on my credit report and still I have no way to very this debt from either agency. Please help me.
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
After viewing my report, I noticed negative account that I have never applied nor any communication with them. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I don't owe this debt. This is a formal notice pursuant to FDCPA 15 USC 1692g stating your claim is disputed and validation is requested. I have never receive any documents bearing my signature, showing that I have a legally binding contractual obligation to pay your company.
07/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77338	Web
Rentdebt Automated Collections They did not notify me of an alleged debt for collection with their company. The debt was for apartment move-out damages. They never sent notification to my known forwarding address, email or called me. If it was move-out damages, how could I still be living there. They Listed the debt on my credit report and did not provide verification of debt when requested. They did not remove the collection from my credit report and continue to report inaccurate information.
10/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30342	Web
XXXX XXXX charged {$510.00} to my account for a table left on the property and did not disclose to me that I had the option to move it. I completed my fall lease there through the year of 2018 and when I moved out I was unaware of any items being left there. For all I know they could have sold the table there for profit without my knowledge or consent. I have tried to get this resolved through the company, but it was already released to a debt collection agency before I could bring up my case.
06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30331	Web
RentDebt Automated Collections have been reporting this account as if it is an open account when it is closed in the hands of a Debt Buyer. They are reporting it as an installment account with a one-payment term and a Past Due Balance. They have reported to one of the Credit Bureaus a Maximum Delinquency date of XX/XX/XXXX but the reality is they obtained this account XX/XX/XXXX. The information RentDebt has reported for 4 years has caused financial setbacks due to this inaccurate information.
10/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70607	Web
I've contacted Rentdebt company through disputing the information through the credit bureaus. I have repeatedly asked for debt validation and none was provided. I do not have a contract with this company and I do not have a debt with this company. I would like for this to be removed off my credit as it is harming the purchase of my home. The company has no been helpful in solving this problem. No action has been taken by the company except to say that the debt meets FCRA rules when it doesn't.
12/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37040	Web
I'm Filling this complaint because I sent Rent Debt Collections a Debt Validation letter which they received on XX/XX/2021, for a fraudulent debt, they collected. I gave them 10 days from the date they received the letter to respond, it has been 17 days and I have yet to receive a response. if Rent debt collections fails to respond in a timely manner with all requested documentation I will have no other option but to take legal action for FDCPA violations, FCRA violations, And Identity fraud.
09/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 752XX	Web
After checking my Credit report i reached out to RentDebt and ask for an invoice to verify debt and balances owed I was provided the information over the phone I stated the charges were inaccurate the rep told me the invoice will be emailed to me in 24 hours. I did not received the email so I called back I then told in order to receive the documents by email I will have to verbally say on a recorded line I am not disputing the collection, which I refused to do! I feel this is unfair Practice.
07/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76116	Web
This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$4100.00} with XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
08/26/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 770XX	Web
I XXXX XXXX XXXX disputed this debt XX/XX/2021 thru the credit bureaus. It came back noted it was valid and accurate. Around this same time XXXX XXXX XXXX noted me and my mother shouldn't be charged the over {$1900.00} listed but {$180.00}. This hasn't been reflected on XXXX, XXXX, or XXXX files. I am still in XXXX and this has been detrimental to my quality of life. I want this correctly so I can pay this off and move on with my life. This has been a knife in my side for over 3 years.
02/04/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77584	Web
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Rentdebt a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
07/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32809	Web
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate
09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31763	Web
i have not given anyone written permission to report any of my private information on my credit reports this is a violation of my privacy rights. This company has never had permission to do soi am a victim of identity theft, By law a consumer must receive written notice known as a debt validation letter within five days of the collectors initial attempt to contact me. I only found out about this after it was reported on credit report. This is a clear violation of my rights.
03/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30318	Web
XXXX has been non-compliant with removing the unverified account RENTDEBT AUTOMATED COLLECTIONS Opened Date XX/XX/2019 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that RENTDEBT AUTOMATED COLLECTIONS was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
03/10/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	AZ 85345	Web	Servicemember
This item is for RentDebt Automated and the original creditor is XXXX XXXX XXXX with a balance of {$3600.00} is inaccurate because by law, I can break a lease agreement. Under the Servicemembers Civil Relief Act, ( 50 App. U.S.C.A. 535 ) a military member who receives orders to move or deploy can break a lease agreement. I gave a 2 ( two ) month notice and provided a copy of my military orders to break my lease. They continued to charge for 3 more months of rent.
05/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75248	Web	Servicemember
In 2017 I received notice from rentdebt automated collections that I had a balance of {$6200.00} from a XXXX XXXX XXXX, my previous residence. The information was not correct according to the management company of XXXX XXXX. Unfortunately the property of XXXX XXXX has been acquired by a new management company and there are no records of this debt. I want this item removed because it is not correct and the company refuses and uses scare tactics to recieve payment.
02/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28213	Web
On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$1100.00} collection item on my credit report being reported from RentDebt Automated Collections unbeknownst to me. Later, on XX/XX/2018, I executed an online dispute with XXXX, XXXX, and XXXX, regarding the collection item and company as I had not been contacted by RentDebt Automated Collections regarding such debt ; therefore, the debt should be removed and/or shown as charged off.
10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35020	Web
The company is trying to say that I lived in an apartment named the XXXX. I have never lived in an apartment by that name. I need it removed off of my credit report. It is preventing me getting housing. Im currently living with family and I need my own home. The company name appears as RentDebt Col in the amount of {$5700.00}. The account number is being reported as XXXX. It doesnt belong to me. Im not familiar with the name of that apartment complex AT ALL.
08/15/2020	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	OK XXXXX	Web	Servicemember
Recently disputed an amount owed to XXXX apts for a collection of eviction and rent debt automated collection has taken over the account. The court judgement shows for {$730.00} but they are validating to the credit report agencies that I owe over XXXX. I sent 3 letters to them to verify the debt and still havent gotten a reply. Credit agencies are reporting they they are responding that the amount is correct. I have my court documents showing other wise.
11/22/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	VA 236XX	Web
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my credit reports. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Rent debt automated collection XXXX XXXX XXXX XXXX XXXX
04/20/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 630XX	Web
Rent DEBT Automated Collections is stating I owe {$3800.00} This is inaccurate information listed on my credit bureaus. I am requesting this account be removed from my credit report. Account name RENTDEBT AUTOMATED COL Account number XXXX Original creditor XXXX XXXX Company sold - Account type Collection Date opened XX/XX/XXXXXXXX Status Collection account. {$3800.00} past due as of XXXX XXXX. Status updated XX/XX/XXXXXXXX XXXX XXXX
05/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 374XX	Web
RENTDEBT AUTOMATED COLLE Last reported XXXX XXXX, XXXX {$3900.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX This information was placed on my credit and I was not given a chance to dispute debt. This information is incorrect and it needs to be removed
06/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77007	Web
I received a credit alert email on XX/XX/2023 from XXXX that my credit was negatively affected by a debt of {$28000.00} to Rent Debt Automated Collections on behalf of XXXX ( unknown spelling ). I have no relationship with either of the above companies - my identity was stolen for this account. I called RDAC and they are sending me a fraud packet to complete. I will also file a police report. I have no contact information for XXXX.
01/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89122	Web
I did not know this debt {$5700.00} was made for an apartment complex. I have tried reaching out to apartment complex XXXXXXXX XXXX about the debt in XXXX and XXXX of 2022 I was getting the run around and finally in XX/XX/2022 they gave me was a number and every time I reach I dont get any answer. I have also sent letters back in XXXX and XX/XX/2022 to verify the debt have not received anything back. I have reached out to no avail
10/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29203	Web	Servicemember
I have been seeing this account on my credit report and I am not aware of where it came from. I called the company and the birthdate that they have on file is incorrect. The account number shows XXXX. The company refuses to remove the account from my credit report. According to 15 U.S. Code 1679c, inaccurate information should be removed from the credit report. The creditor has not been able to verify my correct information.
12/03/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 75134	Web
I was evicted, an appealed the eviction XXXX week prior to going to court XXXX XXXX XXXX filed a motion for none suit, they also accepted about XXXX in texas rent relief payments although I had moved. When I asked for my deposit back I was told I had a balance for Breaking my lease an court cost an was told they were calling the police. I now have a balance on my credit I never seen before an also a warrant out for my arrest.
07/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI 53219	Web
I am a victim of identity theft that I believe occurred during a vacation in Florida where I lost my purse. I did not receive any money, goods, or services as a result of the identity theft. Since I have noted collections accounts for apartment leases and a utility bill. The credit agencies and creditors have refused to remove this information after multiple attempts to clear my report of these unlawfully gained accounts.
11/22/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 78216	Web	Servicemember
The account was sent to collections without any prior notice of the total amount of the debt. It was placed in collections XX/XX/2019. It was sent to XXXX XXXX and i never signed any agreement to pay this febt i was never notified of. I disputed the collections and was never sent any documents of the first notification or of any notifications stating i owed this debt to the orignal creditor or of the collection agency.
06/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77090	Web
I have disputed an account with XXXX for RentDebt 3 times. This is not being removed from my report. I was contacted by the company one time and provided information payment made and video of apartment to show that the debt for XXXX is not valid and I only should owe an amount of XXXX I have asked for this information to be updated and XXXX keeps reporting the debt as XXXX and saying that the amount is correct.
05/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Older American
I rec 'd a voicemail on XXXX from XXXX XXXX, pH. XXXX XXXX He said he was with Rdac, which is the name revealed on my caller ID. I XXXX the pH. # ; it showed debt collections. I have not attempted to contact XXXX XXXX. I am afraid this is a scam. I have no outstanding debt at this time that I am aware of. I have not received any written notification of any company to that effect. I have never heard of Rdac.
08/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 777XX	Web
I wrote 2 letters, one on XX/XX/18 and another on XX/XX/18, asking for the company to send me the some proof such as a contract with signature for the debt that they state is mine. I have received NOTHING as of yet. I have also asked them to send me their license and bond information to ensure that they are licensed to collect in the state of Texas. I have not received that either. It's been almost 2 months.
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web
The debt that is owed does not belong to me. I have requested documents that show I am responsible for this debt in a timely manner. The collection agency assigned failed to do so. I was provided with documentation which included a computerized signature. I had no knowledge of this document nor did I approve for my name to be on this document. The signature is not mine therefore the debt should be removed.
05/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27406	Web
I have taken numerous steps to explain that the debt is incorrect and have sent all the necessary documents to support my dispute. I have provide personal statement showing all rent paid on time and they have taken the measure to lock me out of the property online portal to pull the necessary receipts. All rent payments was paid in full and the company has rejected all my attempts to dispute the debt.
06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34606	Web	Servicemember
15 U.S code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim if identify theft! Please delete these items IMMEDIATLY!
05/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$3700.00} and an original creditor of XXXX XXXX XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
06/08/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 75062	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
04/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MO 63376	Web
My son and his wife forged my wife and my signatures on an apartment lease. I filed a fraud charge to Rentdebt automated Collections and provided proof to them that it was not our signatures. To date it still shows as a collection account in my credit report. It 's been over 3 years now and it 's still there. This was in XXXX, XXXX. back in XXXX. We lived in XXXX XXXX, XXXX. at that time.
08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	WA 98270	Web	Servicemember
RentDebt is indicating on my credit report that I still have an outstanding balance. This balance was paid in full on XX/XX/2021 by XXXX XXXX XXXX XXXX for {$2800.00}. I have contacted Rent Debt on various occasions and they refuse to comply to remove this information from my credit report. Due to their actions, I have been unable to purchase a home for my family. Can you please help me?
12/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 31015	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
07/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75025	Web
Hello! I have an account that showed up on my credit reports when I realized this I disputed it. This is not my account but the company refuses to delete it. I received a form with a signed lease, this is NOT my signature. I am attaching a photo of my ID so you can see my signature. I do not own this account I am a XXXX from XXXX I do not own any money on any accounts to anybody.
01/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46236	Web
There was a house put in my name in Florida they post it on my credit saying it was me I called and dispute it so it can be off my credit but they were saying it was me I never stayed in XXXX I never signed anything I never met anybody I have told the guy its not me I dont understand how can u let anybody stay in a house for a year and not make them pay or aleast put them out
09/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77433	Web
RENT DEBT AUTOMATED IS VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT BY CONTINUING TO REPORT ON A DEBT THAT IS THE RESULT OF IDENTITY THEFT THEY ARE TARNISHING MY GOOD NAME AND AFFECTING MY CREDIT WORTHINESS OVER AN ACCOUNT THEY HAVE NO RIGHTFUL USE TO AND THAT IS THE RESULT OF IDENTITY THEFT. IF THEY DO NOT REMOVE THIS ACCOUNT I WILL HAVE TO ESCALATE THE MATTER FURTHER.
08/29/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	LA 707XX	Web
This person whom Id thought was going to help me, helped herself instead. It hasnt been easy tracking her down but at least I know her name. She moved in the apartment XX/XX/2021. How?? IDK she mustve had gotten evicted and left a very huge bill. The bill was {$3400.00}. Amazing isnt it. Now Im left with debt collection and I know crying wont fix anything. So Im trying
11/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33463	Web
The debt collector tries to collect a debt for {$1100.00}, which was incorrect. I took the original company to court because I did not receive any notice. After all, it was false. Even though they were aware, they report to the credit bureau. After winning in court and paying the correct amount of {$500.00}, they refuse to update my account with The credit bureau.
06/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30331	Web
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. Disputed Item RENTDEBT AUTOMATED COLLECTION ( XXXX XXXX XXXX XXXX, TN XXXX ) Allege Amount Owed {$3600.00} I have No knowledge of this accounts.
12/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 617XX	Web
The debt is not owed by me I was promised by previous owners of the property due to being threatened on my livelihood I would not be held responsible I also was forced to move out of the property and no where to live! I never received any info until this was blindly placed on my credit the account has been removed from my XXXX report and should be on XXXX and XXXX
06/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34743	Web
This company is reporting to my credit as a rental and I have been getting denial back to back because of it I have never live at this rental place they have on my record at all and I have told them that I have report this account to the FTC and i have send out a letter to them requesting verification and haven't received anything at all and it been past 30 days
05/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75216	Web
I received a notification today that a collection was added to my credit report in the amount of {$1200.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30019	Web
In accordance with the Fair Credit Report Act XXXX Account : XXXX Amount Collect : {$260.00} from Creditor : XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
12/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web
I received notification today that a collection was added to my credit report in the amount of {$1100.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports This is a violation of my rights and I want this alleged debt removed from my credit report immediately
01/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76210	Web
A letter dated XX/XX/XXXX was written explaining that this debt was mine and opening a investigation on this debt. The 30 days that is given by The FCRA guidelines to the credit bureaus have come and gone and now would like to have this removed from my credit report for being in violation of the FCRA. Have included the attach letter dated XX/XX/XXXX.
10/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75154	Web
I do not recall owing any amount that would be in collections with Rent Debt Automated. I have tried calling several times to get more information but I have not been able to reach anyone. I have not received any information validating this debt or itemized documentation proving that the amount Rent Debt is reflecting on my credit report is accurate.
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AL 36609	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RNT DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, On XX/XX/2023, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.
09/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 750XX	Web
The original collector was XXXX XXXX. The debt collection company name is RentDebt Automated COL. In XX/XX/2021, I paid the full balance. This account is closed and paid off. This is effecting my credit report and also effecting my ability to get business funding. This information reporting to my credit report is incorrect and not accurate.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	GA 313XX	Web
I have sent debt validation letters and disputes to RENTDEBT AUTOMATED COL in regards to a collection amount of XXXX. The Date Last Active and the Last reported date are inaccurate. According to 15 U.S. Code 1679c. I have the right to dispute. The account is still on my credit report. I would like for this matter to be corrected or deleted.
10/15/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97202	Web
I have attempted to contact the original rental company, debt collection agency, FTC and credit bureaus to remove this debt collection. It still is being associated with me despite having absolutely no connection to this debt. I have provided extensive documentation to prove that I have never lived at the address where this debt is owed.
11/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	DE 19702	Web
Rent Debt Automated continues to furnish information on credit file. A report was filed due to Identity Theft XXXX XXXX in XX/XX/XXXX went in my wallet stole drivers License and credit card. She has a record of identify theft. SHe was charged in XXXX XXXX Texas. She passed away from a massive XXXX XXXX in XX/XX/XXXX XX/XX/XXXX
08/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92028	Web
Our lease was rejected in our XXXX XXXX bankruptcy and associated rental debt was discharged via the XXXX XXXX. XXXX XXXX XXXX sold the debt to RentDebt Automated who despite being notified on XX/XX/XXXX that the debt and lease was discharged via the XXXX XXXX still called and attempted to collect the debt today XX/XX/XXXX.
03/20/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	GA 30815	Web
Rent automatic debt LLC saying I have XXXX evictions I owe XXXX XXXX. Same apartment complex XXXX at XXXX XXXX in XXXX tx with XXXX different account numbers I had a bounced checks and pets don't have checks our pets never could provide documentation with my signature or a copy of the bounced check no point of contact.
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77095	Web
In accordance with the Fair Credit Reporting act RENTDEBT AUTOMATED COL Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 132XX	Web
I5 USC I681 section 602 states that You have the right to privacy ' 15 usc I681 section 604 ( a ) Subsection 2 states that A consumer reporting agency can not furnish an account without your written instruction 15 uSc I666 ( B ) A creditor may not treat a payment on a credit card account or open end consumer credit
09/19/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63141	Web
I terminated a lease in agreement with management and was then pursued for {$1700.00} for breaking the lease. No judgement was obtained nor any promise to pay : management blindsided me. The {$1700.00} is on my credit report as legitimate but it is not, my next step is to file a complaint in my local courthouse.
10/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75219	Web
Upon checking my credit, I have an open collection for rentdebt, I have never received any documentation of a debt owe, I would like a debt validation notice, verifying this is my responsibility also the proof they are able to collect debt in the state of Texas, I would like the surety bond information as well.
05/09/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IL 60411	Web
I am sending this complaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent them over 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation.
11/26/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was paid	TX 75208	Web
Rentdebt collection agency is reporting a collection on my credit from an apartment complex that I paid in full. When I noticed it on my credit, I contacted Rentdebt and then I sent them a validation request. They won't respond, but they continue to report it on my credit. The apartment is XXXX At XXXX XXXX
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27804	Web
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
07/30/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33461	Web
I disputed this account on XX/XX/2022. This account was deleted by XXXX and XXXX. XXXX refused to delete this inaccurate account. I have been harassed by this collection agency. I did not receive the proof of investigation from XXXX. I am suffering from severe XXXX from this, where I am now taking XXXX
04/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75038	Web
The original debt was to the apartment complex that I lived in. I was a victim of a violent crime and the Texas Attorney General 's office took care of the balance owed. Appropriate documentation was sent to facilitate this process. The listed collection agency continues to pursue a debt not owed.
10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 777XX	Web
I applied for an apartment and was denied so I checked my consumer report and discovered that Rent debt is reporting a debt that not only does not belong to me but is beyond the statute of limitations for debt collection in the state of Texas pursuant to Title 5 chapter 392 of Texas finance code.
08/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76116	Web
Rent debt Automated Collections is currently reporting on a debt, in the amount of {$4100.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX XXXX. Rent debt Automated does not own the debt. I have a contract with XXXX XXXX not Rent debt automated.
04/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33026	Web
I HAVE NEVER LIVE AT THIS APARTMENT, DO NOT KNOW ABOUT THIS BUT SEE THIS INFORMATION COME ON MY CREDIT REPORT. I INFOMATION THE COMPANY ABOUT THIS BUT GOT NO RESPONSE, THE COMPSNY IS RENTDEBT AUTOMATED COLLECTION, Phone Number ( XXXX ) XXXX - XXXX, Address XXXX XXXX XXXX, XXXX, TN XXXX.
06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30350	Web
A company that I do not know has reported a collection on my consumer report. I have not opened any kind of account with this company. I do not have any relationship with this company at all.The company is : RENTDEBT AUTOMATED COLLECTIONS XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX
10/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77070	Web
This company has reported to the bureau an account that does not belong to me. According to the Credit bureau who is reporting this claim failed to make sure that the company completely validated this this is not mine. The account Number is XXXX. 100 % POSITIVE THE ACCOUNT IS NOT MINE
12/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75070	Web
Rentdebt Automated Collections placed an account on my credit report without sending a 30 day notice. When I asked them to remove this from my credit report they refuse to and never sent anything about the debt. They have not returned any of my calls that I have made to their office.
03/02/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 773XX	Web	Servicemember
RentDebt Automated Collections illegally committed multiple violations against my consumer rights. Attached is a copy of mailed correspondence to the company making them aware of my violated rights as a consumer, and owed remedy via invoice for my injuries due from their violations.
01/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 752XX	Web
I owe this company no money. The apartment complex failed to repair my leaking roof which resulted in a molded roof. The molded roof violated the rental agreement and the apartment complex allowed me to move out with no penalty. This account should not be listed on my credit report.
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75208	Web
under Fcra company has 4 days to remove inaccurate items. Items are inaccurate and fraudulent and are against privacy law violations. Illegal reporting of charge off by XXXXXXXX XXXX. And illegal reporting of charge off credit by rent debt collections LLC. Privacy law violations
08/24/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 11231	Web
I have been contacted to pay {$7500.00} for rent I do not owe by RentDebt Automated Collections LLC. The debt collector is acting on behalf of a former landlord of mine. I was released by the landlord from my month to month lease on XXXX XXXX, 2014 having paid all monies owed.
10/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77494	Web
XXXX XXXX XXXX keeps trying to collect more than what it owed. I've reached out to the apartment complex and i've spoken to a couple of people at the collections office. This still has not been updated with accurate information and they keep reporting it to my credit profile.
04/23/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89148	Web
XX/XX/2019 I filed a complaint and XXXX XXXX responded from the collection company stating they would offer me 65 % off the balance and I could make payment arrangements if I could not pay all at once. I called and was told by XXXX XXXX they would not comply with that offer.
03/09/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60448	Web
I dont know who live at XXXX I NEVER STAYED IN XXXX XXXX IN MY LIFE! I SPOKE WITH MANAGEMENT AND TOLD THEM I WOULD BE LIVING THE PROPERTY ( SPOKE WITH XXXX LADY AND XXXX GENTLEMEN ) THEY TOLD ME IT WAS OK TO LIVE THE PROPERTY AS LONG AS I GAVE WRITTEN STATEMENT OF SUCH.
06/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77036	Web
I have a collection account on my credit that has been re-aged. It is with Rent Debt. I sent for validation and they refuse to validate this account, This is an erroneous account and this agency is violating the law. This is an old account past the Statue of Limitation
11/29/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NC 27107	Web
I was a victim of the XXXX data breach - delete this account immediately Collection : {$310.00} Opened Account status Type Responsibility Remarks Original creditor name XXXX XXXX XXXX ( XXXX mos ) Open Individual Consumer disputes this account information XXXX XXXX
07/25/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 752XX	Web
After my accident and left XXXX my apt evicted me and said I would only owe the last three months left in lease totaling {$2700.00} and Rent Debt Collections reported inaccurately to all three credit bureaus that my balance Id {$5800.00} and thats not true
12/21/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85017	Web
RentDebt Automation is reporting monthly an old rent debt as an active trade line collection to all three credit bureaus. When I spoke to RentDebt Automation on XX/XX/2021 the company shared that the debt was too old for a law suit or to be collected.
09/28/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TX 759XX	Web
I was not aware of any debt and was not contacted by anyone before the company I was renting from put a debt ( that has never been itemized ) in collections. I have still never received an itemized statement or why I owe the company any money.
06/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85016	Web
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from credit bureaus
01/18/2023	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TN 38134	Web	Older American
my brother XXXX XXXX is XXXX so there no way possible that he could have signed any lease or anything someone used his name and so this needs to be off of his credit report before me and my siblings take legal action against rent debt
08/08/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 760XX	Web
I paid the debt in full, was promised a receipt and update on my credit report. I never received a receipt other than a blank one and my credit report verified it as accurate with the company, and it is showing I owe the full amount.
01/15/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AL 366XX	Web
on XX/XX/2021, I sent letters to XXXX XXXX COLLECTION ON BOTH ADDRESSES ( MAIN AND CORPORATE ) .and i haven't heard anything from them regarding this inaccurate item.i also attached copies below of the letters that i sent below.
10/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
The debt in the amount of {$3500.00} is not a legitimate debt submitted by XXXX at XXXX XXXX with account number XXXX due to the Agree Order I received XXXX XX/XX/2022 in the County Court of Law, Number XXXX, XXXX XXXX, Texas.
03/03/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77706	Web
Attempting to collect on an alleged debt. Being harassed by apartment complex as well as the debt collection agency. Cease all threats, contact and harassment. As well as removed alleged debt from credit. Damaging credit.
01/24/2018	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 752XX	Web
Why is this debt still reporting on all 3 credit bureaus???? Attach is your aid # and it still has not been removed? I talked to the bureaus and they stated that all you have to do is fax over the removal documentation?
12/30/2019	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	FL XXXXX	Web
On XX/XX/2019 I received a call from an associate of XXXX XXXX XXXX ( XXXX XXXX ) before XXXX ( the Fair Debt Collection Practices Act specifically states that debt collectors can only call between XXXX and XXXX ).
09/30/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AL 366XX	Web
I SENT RENTDEBT AUTOMATED COLLECTION LETTERS ON XX/XX/2020, XX/XX/2020 AND XX/XX/2020 AND I HAVEN'T RECEIVE ANYTHING CONCERNING THE ALLEGED DEBT OF XXXX THAT I DON'T OWE.I HAVE ATTACHED COPIES BELOW FOR MY RECORD.
10/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 441XX	Web
I did n't receive any mail or phone call until a supposed collection from XXXX showed up on my report in XXXX. I have been unable to get any information as to what this is in regards to, only automated ''agents '.
09/25/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TN 38116	Web
i sent a letter to Rentdebt Automated Collection, on XX/XX/2020 concerning a alleged debt of {$1200.00} that i do not owe.I haven't receive anything that i requested and i also attached a copy of the letter below
03/02/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 752XX	Web	Servicemember
Some Company by the name of rent debt has stolen my identity. They call me constantly demanding i pay this debt or go to jail they also have contacted my family members providing them.with personal information.
09/19/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60563	Web
RentDebt Automative Collections is not Licensed in the state of Illinois to collect any debt. I have asked the company to provide their License to collect in Illinois, and they have not yet to respond.
10/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75023	Web
On XX/XX/2015 a collection account appeared on my credit reports from RENTDEBT AUTOMATED COLLECTIONS for a supposed debt of {$480.00} to XXXX XXXX XXXX XXXX XXXX. This is a case of identity theft.
04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
I have attempted to contact multiple times that was paid to original creditor and should removed off my credit report. Original creditor submitted payment receipts, and I also through credit agency.
12/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 282XX	Web
Have contacted Rent XXXX XXXX several times via the mail. Starting from XX/XX/XXXX until XX/XX/XXXX. Demanding stop reporting this account that came from a identity theft of my private information.
06/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30238	Web
Company did has not communicated with me about this alleged debt. There was no notice sent to me about me owing this alleged debt and I was not notified of my rights to dispute this alleged debt.
05/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AL XXXXX	Web
RentDebt has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
03/09/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77706	Web
On XX/XX/23, received response from XXXX XXXX XXXX of an alleged debt. The lease attached is a lease from XXXX. Trying to be used as evidence. Unable to furnish actual proof. Please remove.
08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 366XX	Web
XX/XX/XXXX XXXX i reach out to the company and was told this account was not mines i was giving a number to call XXXX -- XXXX the woman told me that the DL was not of mines and SSn
03/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77099	Web
This debt was paid & I called to see if they would delete it from all credit bureaus & I was told they couldnt ; I have even tried to contact bureaus on my own & nothing happened.
08/29/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77706	Web
Repeatedly dropping credit score due to reporting alleged debt multiple times. Multiple calls, harassment and threatening language for an alleged debt. The amount was {$1900.00}.
10/26/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AL 361XX	Web
well a company is trying to say i owe them a balance of XXXX from past due rent and property damage but they fail to provide evidence of the damages its just word of mouth
09/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 355XX	Web
I was XXXX because of a roommate for legal reasons and lease was broken because of it. Last months rent was paid and I was never contacted about any other collections.
09/08/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 79107	Web
The apartments are charging me extra months of rent I did not stay at the property I feel like I shouldnt have to pay a debt that is wrong you dont overcharge people
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 27511	Web
I filed a dispute in regards to the incorrect information on my credit report, It has been well over 30 days and I have not received any investigation results.
05/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33411	Web
I paid in full for a debt and when we first spoke they stated that pay in full the account will be deleted and now they are still reporting it credit bureau.
03/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29301	Web
RENTDEBT AUTOMATED COLLECTIONS I do not have a contract with this company Collection is not from original creditor. I have never heard of this company.
04/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30341	Web
I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
12/18/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 318XX	Web
This debt collection agency was placed on my credit report, however I have not received any mail verifying any information on validating this debt.
05/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78232	Web
This company has called, sent letters XXXX 2016 , I told them this was not mine but someone elses. They are not bonded to collect debt in Texas.
09/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 355XX	Web
No attempted to collect debt from me from company bc debt is completely false. Amount of {$500.00} on my collections and an account of {$1200.00}.
06/19/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	OH 43224	Web
XX/XX/2016 amount XXXX I don't why they but me I check the landlord they say we don't no you have to dispute and we don't have any money own
06/17/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
The settle amount on the judgement should be the only amount I owe. All the other fees they took as a loss, when we went to eviction court.
09/11/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
There is a debt from this company Rentdebt and it is NOT mine, I have tried disputing it, requesting validation and nothing. Please help
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36301	Web
I want the XXXX XXXX XXXX and the automated rent debt collection removed from my credit. Both accounts have been paid
10/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38401	Web
I have not received documentation regarding what debt is for or its authenticy. Please remove from all credit bureaus.
01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33617	Web
Please be Advised, Ive been a victim of Identity theft. Ive never done business RentDebt Automated Collections , LLC.
04/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75104	Web	Servicemember
This debt was paid in full and marked closed. Creditor agreed to remove from all credit bureaus due to discrepancies.
09/28/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 759XX	Web
This company keeps updating the collections file every month when they have NEVER communicated with me to update it.
02/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77414	Web
This debt is not mine and it's holding me back from obtaining a mortgage loan. Please have it removed immediately
04/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 754XX	Web
XXXX XXXX Judge has already lifted the judgment against me and they will not remove this from my credit report
11/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38111	Web
THE AMOUNT THAT THEY SAY THAT I OWE IS WRONG IT WAS NOT THAT MUCH EVEN WITH THE LATE FEES ADDED TO IT
09/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 36116	Web
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
08/02/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89113	Web	Servicemember
Did not receive notification of this debt for {$1200.00} Currently, I live in XXXX XXXX.
06/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78109	Web
Fraud account Account link to old address I never signed for inquiries I never did
07/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 109XX	Web
XXXX XXXX have never been notified of this debt. This debt is not owed to me.
07/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75078	Web
judgement should have been removed in XX/XX/XXXX for XXXX XXXX XXXX .
04/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32824	Web
XX/XX/22 XXXX XXXX XXXX RNT DEBT XXXX. We have disputed the account.
12/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76135	Web
I do not have knowledge of this debt that is trying to be collected.
07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77706	Web
Attempts to collect on an alleged debt thats not owed.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 925XX	Web	Servicemember
Victim of identity fraud
09/10/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28269	Web
These are not mine
04/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28205	Web
This is not mines
02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10543	Web

02/07/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TN 385XX	Web	Servicemember

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NY 10543	Web

02/04/2024	Yes	Debt collection Rental debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AL 362XX	Web	Servicemember

02/03/2024	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27509	Web

02/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10012	Web

02/02/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TN 385XX	Web	Servicemember

02/02/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	FL 33604	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TN 37129	Web

01/30/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	AR 72120	Web	Servicemember

01/29/2024	Yes	Debt collection Rental debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 74119	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 300XX	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28262	Web

01/24/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	MI 48111	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10543	Web

01/23/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive enough information to verify debt	TX 75077	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32940	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32940	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75093	Web

01/18/2024	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA 16506	Web

01/14/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NC 27703	Web

01/12/2024	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	OK 74119	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 74145	Web

01/08/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web	Older American

01/07/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	NY 10543	Web

01/04/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30331	Web

01/04/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	NY 10543	Web

01/03/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	CO 80022	Web

01/02/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 90044	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22407	Web

12/27/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 78664	Web

12/21/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30080	Phone

12/15/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA 16506	Web

12/13/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	IN 46322	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	AL 35160	Web

12/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76119	Web

12/10/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	TX 77433	Web

12/06/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	GA 31415	Web

12/06/2023	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	SC 29708	Web

12/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30038	Web

12/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33033	Web

11/13/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	TX 75115	Web

10/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33033	Web

10/31/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30519	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60637	Web

10/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33097	Web

10/19/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 73505	Web

10/10/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76028	Web

10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33559	Web

10/07/2023	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NC 28273	Web

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35204	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07103	Web

10/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75240	Web

10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23608	Web

09/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30044	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33321	Web

09/24/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33508	Web

09/21/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	GA 30339	Phone

09/20/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95624	Web

09/18/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	TN 37206	Web

09/16/2023	Yes	Debt collection Rental debt	False statements or representation Told you not to respond to a lawsuit they filed against you	AL 36618	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95661	Web

09/04/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 777XX	Web

08/31/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was paid	IA 52804	Web

08/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	CA 92624	Web

08/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72113	Web

08/29/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	TX 77079	Web	Servicemember

08/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72113	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28269	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76010	Web

08/24/2023	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	MI 49301	Web

08/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72113	Web

08/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72113	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77389	Web

08/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 16506	Web

08/05/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85308	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33154	Web

07/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30309	Web

07/26/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 28203	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28117	Phone

07/21/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29488	Web

07/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85140	Web	Servicemember

07/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 63124	Web

07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30236	Web

06/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33442	Web

06/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 36605	Web

06/17/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70767	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36203	Web

06/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34638	Web

05/31/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32097	Web	Servicemember

05/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28214	Web	Servicemember

05/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90802	Web

05/24/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	TX 77706	Web

05/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78745	Web

05/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27517	Web

05/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 35235	Web	Servicemember

05/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53210	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 76013	Web

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75043	Web

04/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 35235	Web	Servicemember

04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 76006	Web

04/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75227	Phone

04/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98122	Postal mail

04/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93536	Web

03/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35022	Web

03/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46250	Web

03/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92344	Web

03/10/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34639	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MA 02124	Web

03/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 02124	Web

02/27/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 35603	Web

02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 75039	Web

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37208	Web

02/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46143	Web

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ 85029	Web

02/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36832	Web

01/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37122	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29061	Web

12/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75224	Web

12/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94014	Web

12/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30068	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35211	Web

12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94014	Web

11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32771	Web

11/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32771	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27455	Web

11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27455	Web

11/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27804	Web

10/27/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75035	Web

10/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21788	Web

10/25/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37013	Web

10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08110	Web

10/10/2022	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70001	Web

10/05/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11563	Web	Servicemember

10/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 36460	Web

09/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76116	Web

09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 77477	Web

08/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30075	Web	Servicemember

08/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30047	Web

08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98004	Web

08/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OK 73114	Phone

08/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76210	Web

07/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33317	Web

07/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34787	Web

07/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77807	Web

07/20/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NJ 08873	Web

07/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MN 55408	Web

07/14/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30134	Web

07/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77057	Web

07/04/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 19401	Web

06/13/2022	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	NC 28210	Phone

06/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85705	Phone

05/27/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	LA 70817	Web

05/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75050	Web

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36605	Web

05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35758	Web

05/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77064	Phone

04/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web

04/16/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75181	Web

04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38583	Web

04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75034	Phone

04/03/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33484	Web

03/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75216	Web

03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35211	Web

03/27/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60624	Web

03/23/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76051	Web

03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76208	Web

03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38583	Web

03/15/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30008	Web

03/10/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL 35810	Web

02/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75089	Web

02/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33156	Web

02/09/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 75051	Web

02/02/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28027	Phone	Servicemember

01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77545	Web

01/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	UT 84009	Web

01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 36206	Web

01/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77044	Web

01/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28269	Phone

01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77014	Web

01/05/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76014	Web

01/02/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32314	Web

12/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33027	Web

12/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33606	Web

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75154	Web

11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94130	Web

10/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60181	Web

10/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77520	Web

10/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38301	Web

09/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75154	Web

09/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 78543	Web

09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38671	Web

09/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30096	Web

09/15/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37122	Phone

09/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28269	Web

09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75061	Web

09/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76119	Web

08/31/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75089	Web

08/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75251	Web

08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NC 27529	Web

08/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MN 55110	Web	Servicemember

07/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30017	Web

07/29/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone

07/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48221	Web	Servicemember

07/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70737	Web

07/14/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39564	Web

07/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27048	Web

07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77545	Web

07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77545	Web

07/09/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78245	Web	Servicemember

07/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77584	Web

07/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30308	Web

06/18/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30308	Web

06/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70722	Web

06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27520	Web

06/04/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30061	Web

05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76549	Web

05/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75287	Web

05/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77449	Web

05/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60438	Web

05/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 36605	Web

05/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77479	Web

05/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70749	Web

05/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10302	Web

05/10/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30096	Web

05/06/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

05/05/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77090	Web

05/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30309	Web

05/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

05/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77065	Web

04/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30097	Web

04/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30088	Fax

04/29/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 28213	Web

04/28/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75287	Web

04/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32246	Web

04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37130	Web

03/31/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	OK 74133	Web

03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30094	Web

03/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70749	Web

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60448	Web

02/17/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 75237	Web

02/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38119	Web

02/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77058	Web

02/06/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70810	Web

02/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 30097	Web

02/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 52803	Web

01/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19126	Web

01/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77021	Web

12/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76036	Web

12/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77532	Web

12/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75227	Web

12/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35613	Web

12/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 36549	Web	Servicemember

12/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30134	Web

12/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80906	Web	Servicemember

10/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78046	Web

10/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35758	Web

10/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77459	Web

10/09/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	TX 75006	Web

09/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32714	Fax

09/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80918	Phone	Older American

09/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35235	Web

09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MA 02114	Postal mail

08/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37920	Phone	Servicemember

08/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75146	Web

07/05/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28215	Web	Servicemember

05/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35405	Fax

05/03/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32732	Web

04/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33134	Web

04/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35404	Fax

04/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70809	Web

04/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85340	Web

03/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63146	Web

03/20/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28269	Web	Servicemember

02/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30080	Web

02/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30135	Web	Servicemember

02/03/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77095	Web

01/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37909	Web

01/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60455	Phone

01/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AR 72223	Phone

01/19/2020	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	FL 33687	Web	Servicemember

01/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72223	Web

12/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

12/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75050	Web	Servicemember

11/27/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37040	Web

10/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

10/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web	Servicemember

10/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75002	Web

10/16/2019	Yes	Money transfer, virtual currency, or money service Debt settlement	Problem with customer service	DE 19702	Web

10/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75040	Web

10/03/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19702	Web

09/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 50208	Web

08/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35071	Web	Servicemember

08/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 80023	Web	Servicemember

08/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37013	Web

06/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75115	Web

06/02/2019	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	TN 38118	Web

06/01/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35806	Postal mail

05/23/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 77089	Web	Servicemember

05/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MA 01845	Web	Servicemember

05/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33647	Web

05/02/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70805	Web	Servicemember

04/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 98382	Web

04/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid		Phone

03/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76112	Web

02/26/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77406	Web

02/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89081	Web	Servicemember

02/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36608	Web

02/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35043	Referral

01/11/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75041	Web	Servicemember

01/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37229	Web	Servicemember

01/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33334	Web

12/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39069	Web

10/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 75024	Web	Servicemember

09/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28210	Web

09/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30038	Web

09/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30038	Web

09/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37167	Web

09/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76120	Web

09/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NE 68046	Web

08/08/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75072	Web

07/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34289	Web

07/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75134	Web

07/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76002	Web

07/24/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33060	Web	Older American

07/12/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80260	Web

07/10/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76208	Web

06/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76180	Web

05/08/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76120	Web

04/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37854	Web	Servicemember

04/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TN 37130	Web

04/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71232	Web

03/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32258	Web	Servicemember

03/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32046	Web	Servicemember

03/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76002	Web

03/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30564	Web	Servicemember

03/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 73120	Web

03/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30327	Web

02/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75024	Web	Older American

01/19/2018	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	AR 72204	Web

12/11/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75235	Web

11/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30263	Web

11/26/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37347	Web

11/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 22655	Web

09/29/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60567	Web

09/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76112	Web

07/28/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 32708	Web	Servicemember

07/27/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AL 35816	Postal mail

07/24/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30012	Web

07/20/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30034	Web

06/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77096	Web

05/03/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30310	Web

04/24/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 78754	Web

04/20/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75010	Web

03/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77373	Web

03/09/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	TX 77373	Web

12/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ID 83705	Web	Servicemember

12/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33811	Web	Older American

11/06/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30349	Web

10/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75068	Web

10/12/2016	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	GA 31322	Web

09/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30122	Web

05/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48201	Referral

05/02/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37771	Web

04/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78613	Web

01/12/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 76017	Web

10/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AL 35470	Web

10/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75228	Web

10/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 70737	Web	Servicemember

09/28/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76017	Web

07/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78681	Web

06/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75006	Web

05/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30035	Web

05/04/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33606	Web

03/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30035	Web

03/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75146	Web

03/05/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 75067	Web

03/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78244	Web	Servicemember

02/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 41042	Web	Older American

02/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78244	Web	Servicemember

02/04/2015	No	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	SC 29130	Web

01/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37206	Web	Servicemember

12/02/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 78219	Web

10/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 17356	Web

10/17/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	KY 42134	Web

10/17/2014	No	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	KY 42134	Web

10/02/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77840	Web

09/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29229	Web	Servicemember

09/21/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75057	Web

09/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77066	Web

09/04/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75165	Web	Servicemember

09/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 16146	Web

08/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IA 50265	Web

08/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20716	Web

08/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37067	Web

08/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me instead of my attorney	AL 35976	Web

08/01/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 39206	Web

07/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	IN 46342	Web

06/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30083	Web

06/01/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77042	Web

05/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33629	Postal mail	Older American

05/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90004	Web

05/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	AL 35613	Web

05/12/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	FL 33016	Web

05/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75137	Web	Servicemember

04/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75034	Web

03/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MS 39213	Web

03/16/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75106	Web

03/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TN 37013	Web

03/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 46142	Web

03/13/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 75115	Web

03/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77056	Web

02/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 39206	Web

01/04/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	AL 35040	Web

09/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 85020	Web

08/23/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	IL 60076	Web