Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (MI)

I am writing to bring to your attention the matter of a debt validation letter sent to Rent Recovery Solutions on XX/XX/year> pursuant to the requirements set forth under 15 USC 1682 ( g ). Unfortunately, despite the passage of a considerable amount of time, I have yet to receive the requested documentation as mandated by law. On XX/XX/year>, I sent a debt validation letter to Rent Recovery requesting that they validate the debt they reported on my credit report. I included all relevant details, such as the account number, the amount in question, alleged debtor/creditor names and addresses, dates of charge-off or delinquency, whether or not the debt was assigned to debt collector or purchased, if purchased the amount paid, and an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. According to the FDCPA, they are required to respond within 30 days of receiving the letter. This letter was intended to assert my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and to request the necessary documentation to validate the legitimacy and accuracy of the debt in question. As per 15 USC 1682 ( g ), a debt collector is obligated to provide the requested information within 30 days of receiving such a request. However, it has now been over 30 days since the date of the letter, and I have not received the proper documentation from Rent Recovery Solutions. This failure to provide the requested information not only violates my rights as a consumer under federal law but also raises concerns about the validity and legitimacy of the debt they are attempting to collect. I believe it is important for the Consumer Financial Protection Bureau to be aware of this situation. The non-compliance of Rent Recovery Solutions with the requirements of 15 USC 1682 ( g ) not only undermines the protections afforded to consumers but also indicates a potential violation of the Fair Debt Collection Practices Act. Furthermore, I have not granted Rent Recovery Solutions authorization to acquire my private, confidential, and sensitive data and submit it under my name to the consumer reporting agencies but it seems that my identity has been misappropriated and utilized in a hostile way by their company. For this reason, they have also violated the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act by sharing my non-public personal information with non-affiliated third parties without providing me with a notice that complies with 15 USC 6803 and also failing to give me the opportunity to opt-out as required by 15 USC 6802. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure Rent Recovery Solutions compliance with federal consumer protection laws. It is crucial that debt collectors adhere to the guidelines set forth in the FDCPA to protect consumers ' rights and prevent any potential abusive or unfair practices by reporting false negative/delinquent items that are a defamation of character, ruining my reputation, and my overall creditworthiness. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the appropriate steps to address this issue and uphold the rights and protections of consumers. I look forward to receiving a response from your office regarding the investigation 's progress.