Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a debt being reported under the name RNT Debt with reference XXXX, which I do not recognize, do not owe, and have never authorized or entered into any agreement related to. This account has appeared on my credit report without my knowledge, consent, or lawful validation, and despite repeated efforts to obtain documentation, verification, and clarification from the involved parties, I have not received any legally required information proving the validity, ownership, or accuracy of this alleged debt.

This complaint outlines in detail what occurred, the steps I have taken, the lack of response or inadequate response from the company, and why this tradeline violates federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other regulatory standards intended to ensure accuracy, fairness, and transparency in consumer credit reporting and debt collection.

SECTION 1 INITIAL DISCOVERY OF THE ACCOUNT I discovered the RNT Debt account while reviewing my credit report. The account appeared to show a balance and payment history that I did not recognize. I do not have any recollection of entering into an agreement with this company, nor have I ever conducted business with any creditor or service provider that matches the name " RNT Debt '' or the reference number XXXX. 

Because the account was unfamiliar and unexpected, I immediately suspected it may have been : Reported in error Assigned to the wrong consumer Created due to identity theft Incorrectly transferred Attached to someone elses data Or otherwise inaccurately associated with me The presence of this account has already had negative consequences, as inaccurate derogatory information reduces creditworthiness and affects the ability to obtain credit, housing, insurance, employment opportunities, and other essential consumer functions.

SECTION 2 LACK OF VALIDATION AND FAILURE TO PROVIDE REQUIRED DOCUMENTATION Under the FDCPA, a debt collector must provide full validation and verification of the debt upon request, including but not limited to : The original creditors name The original contract or agreement allegedly bearing my signature A complete payment history Proof that the debt belongs to me Proof of assignment or transfer Evidence that the reporting furnisher has the legal right to collect or report I requested this information through formal disputes. Despite these attempts, I did not receive any documentation proving the validity of the account or establishing any legal relationship between me and the alleged creditor. 

The company did not provide : A signed contract A loan agreement An application A service receipt A purchase confirmation A billing statement A transfer of assignment A chain of title Any source documentation Instead, the only response I received ( if any ) consisted of generic statements claiming the account was verified, without supplying legally required supporting documentation. Under FCRA 611 and 607 ( b ), a data furnisher must provide maximum possible accuracy, and under FDCPA 809 ( b ), a collector must produce meaningful, original validation, not automated responses or unverifiable data.

SECTION 3 FAILURE TO IDENTIFY THE ORIGIN OF THE ALLEGED DEBT At no point did RNT Debt or any related company explain : Who the original creditor is How the alleged balance was calculated What date the alleged contract was opened Any date of service or transaction Any documentation tying the debt to my identity Any record showing that I ever agreed to this account The absence of all these elements is significant. Without such documentation, the furnisher can not legally verify, collect, or report the debt. 

The lack of transparency suggests that the furnisher is either : Reporting unverifiable information Reporting based on incomplete records Reporting based on data belonging to another individual Or reporting an invalid debt that should not exist in my name This constitutes a violation of FCRA accuracy requirements and FDCPA verification obligations. 

SECTION 4 DISPUTE PROCESS AND FAILURE OF PROPER REINVESTIGATION After discovering the RNT Debt account, I attempted to dispute the accuracy directly through the credit reporting agency. My dispute included clear statements explaining that I did not recognize or owe the account and that no validation had been provided.

Despite this, the information continued to appear on my report without correction. The credit bureaus results indicated that the account was verified, yet no actual verification was ever shown to me, and no documentation was provided. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires that when a consumer requests the method of verification, the bureau must produce : The name of the furnisher The documentation used The procedure followed The date and manner of verification None of this was provided. 

This suggests that the bureau may have relied solely on e-OSCAR automated coding responses rather than a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ). Simply checking a box in an automated system does not constitute a fair, complete, or reasonable reinvestigation.

SECTION 5 POTENTIAL IDENTITY MIXING OR FILE MERGING Because this account is completely unfamiliar to me and lacks proper supporting documents, it is possible that it was added to my file due to : File mixing ( a known problem among credit bureaus ) Miskeyed data Merged profiles A similar name A similar Social Security number fragment Or identity theft If this account belongs to another individual with similar identifying information, it should not be reported on my file. The burden of accuracy lies with the furnisher and the bureau, as FCRA 602 and 607 require consumer reporting agencies to maintain systems to prevent mixed files. 

The continued reporting of inaccurate data despite my disputes demonstrates a failure in these obligations. 

SECTION XXXX HARM CAUSED BY THIS INACCURATE REPORTING The inaccurate reporting of this RNT Debt account has caused and continues to cause material harm, including but not limited to : Lowering of credit score Reduction in creditworthiness Denial or adverse terms in credit applications Emotional distress Time and resources spent disputing inaccurate information Obstacles to personal and financial decisions The harm continues each day the inaccurate information remains.

SECTION 7 COMPANYS NONCOMPLIANCE WITH FEDERAL LAW Violations of the Fair Credit Reporting Act ( FCRA ) The presence and continuation of this unverified account violate several FCRA sections : 602 A Failure to assure maximum possible accuracy 607 ( b ) Duty of furnishers to report accurate information 611 ( a ) Failure to conduct a reasonable reinvestigation 611 ( a ) ( 5 ) ( A ) Failure to delete unverifiable information 611 ( a ) ( 6 ) Failure to provide method of verification Violations of the Fair Debt Collection Practices Act ( FDCPA ) If RNT Debt, a collector, or any associated entity is engaged in collection activity, their actions violate FDCPA requirements : 807 Prohibitions on false representation of debt 809 ( a ) Requirement to provide written notice of debt 809 ( b ) Requirement to provide validation upon request 807 ( 8 ) Communicating false information to credit reporting agencies The companys lack of validation and continued reporting of a disputed debt constitute clear violations. 

SECTION XXXX FAILURE TO PROVIDE CHAIN OF TITLE OR ASSIGNMENT At no point was I provided with : A bill of sale A transfer agreement A purchase agreement A chain of assignment Or any documentation proving that XXXX Debt legally owns, manages, or services this alleged account Without a valid chain of title, the furnisher can not prove ownership or rights to collect. Reporting or collecting without documentation of ownership violates federal law and CFPB regulations on third-party debt buyers. 

SECTION XXXX FAILURE OF THE COMPANY TO PROVIDE A SUBSTANTIVE RESPONSE Despite my repeated attempts to obtain information, the company either : Did not respond Responded with incomplete information Responded with generic language Failed to provide original documents Failed to prove identity linkage Failed to prove legal right to report The lack of cooperation and transparency leaves me with no choice but to escalate this matter to the CFPB for formal investigation and intervention. 

SECTION 10 REQUEST FOR CFPB INTERVENTION AND FINAL RESOLUTION Given the lack of documentation and violations described above, I am formally requesting that the CFPB assist in obtaining a lawful, compliant resolution.

I am requesting the following corrective actions : Immediate deletion of the RNT Debt XXXX account from my credit file due to lack of verification. 

Full investigation into the companys reporting and validation practices. 

Proof of the method of verification used to justify continued reporting. 

Copies of all documentation the furnisher claims to have relied upon. 

Confirmation that the account will not be reinserted without fully compliant documentation per FCRA 611 ( a ) ( 5 ) ( B ).

A written explanation of how this account was matched to my identity.

A formal acknowledgment that unverifiable information must be deleted.

Because the company has failed to validate the debt, failed to provide documentation, failed to supply the original contract, failed to show chain of title, failed to verify identity, and failed to follow proper FCRA and FDCPA procedures, the information can not legally remain on my credit report.

SECTION 11 SUMMARY OF WHAT HAPPENED To summarize clearly for the CFPB : I discovered an account labeled RNT Debt XXXX on my credit report. 

I have never opened, authorized, or recognized any such account. 

I disputed the debt and requested validation, as allowed under federal law. 

I did not receive any documentation proving the debt is mine. 

The company did not provide the original agreement, full payment history, or legal authorization to report the debt. 

Despite this, the account continued to be reported as verified, which is inaccurate and unlawful. 

This caused damage to my credit profile and continues to do so. 

The company has failed to demonstrate compliance with FCRA, FDCPA, and CFPB regulations. 

I am requesting CFPB oversight, deletion of the account, and confirmation that it will not be reinserted without proper proof. 

REQUEST FOR CFPB ACTION I am requesting that the CFPB intervene to ensure : The furnisher provides legally required documentation, or The account is removed from my credit report due to lack of lawful validation.

Given the lack of proof, the account should be deleted immediately under both FCRA and FDCPA standards.

Thank you for reviewing this matter. I am requesting the CFPBs assistance in ensuring that my rights as a consumer are protected and that inaccurate, unverifiable information is removed from my credit file.

Company response to consumer: Closed with explanation