Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (NC)

I am writing to file a formal complaint against Rent Recovery Solutions and XXXX XXXX XXXX XXXX XXXX for egregious violations of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

It is with deep concern and a sense of urgency that I bring to your attention the flagrant disregard for consumer rights exhibited by Rent Recovery Solutions and XXXX XXXX XXXX XXXX XXXX. These companies have callously ignored their legal obligations under the FCRA and FDCPA, depriving me of fundamental protections and causing significant distress. 
Despite the clear mandates set forth in federal law, Rental Recovery Solutions and XXXX XXXX XXXXXXXX XXXX XXXX have systematically failed to provide me with crucial disclosures regarding the reporting of my nonpublic personal information to credit bureaus. Furthermore, they have callously neglected to afford me the opportunity to exercise my right to opt out of such disclosures, as explicitly outlined in 15 U.S. Code 6802 ( b ) ( c ). My rights as a consumer have been trampled upon, and I demand immediate action to rectify these injustices. The urgency of this matter can not be overstated. Every day that passes without accountability for these violations is another day in which consumers are left vulnerable to exploitation and abuse. 
I assert that both Rent Recovery Solutions and XXXX XXXX XXXXXXXX XXXX XXXX have failed to comply with the provisions outlined in the FCRA and FDCPA, as detailed below : Violation of FCRA : Failure to provide required disclosures regarding the reporting of my nonpublic personal information to credit bureaus, as mandated by 15 U.S. Code 6802.

Failure to afford me the opportunity to opt out of such disclosures, as required by 15 U.S. Code 6802 ( b ) ( c ). 
Violation of FDCPA : Use of false, deceptive, or misleading representations or means in connection with the collection of debt, specifically by failing to provide required disclosures regarding my rights under federal law. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 6802, financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless consumers are provided with a notice that complies with section 6803 of the FCRA. Furthermore, under 15 U.S. Code 6802 ( b ), consumers must be given the opportunity to opt out of such disclosures. 

Similarly, under the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 15 U.S. Code 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representations or means in connection with the collection of any debt. Failure to provide required disclosures constitutes a violation of these laws. 

Therefore, I demand the following : Proof of Disclosures : Provide documentation demonstrating that your companies have adopted reasonable procedures to ensure that disclosures regarding the reporting of my nonpublic personal information to credit bureaus and my right to opt out of such disclosures were provided to me in accordance with federal law. 
Post-Stamped Receipt of Disclosures : Furnish evidence, such as a post-stamped receipt, confirming the mailing or delivery of the required disclosures to my address. 
I implore the Consumer Financial Protection Bureau to launch a swift and thorough investigation into the conduct of Rent Recovery Solutions and XXXX XXXX XXXXXXXX XXXX XXXX. It is imperative that these companies be held accountable for their actions and that measures are implemented to prevent further harm to consumers.