Consumer complaint received 2022-07-11
Company: RentDebt Automated Collections, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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.

Company response to consumer: Closed with explanation