Consumer complaint received 2020-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (GA)

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.