Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PAID IN FULL, INC.
State: AZ

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX, XXXX and their collection agency, Paid In Full, Inc., for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and causing significant credit reporting harm without proper validation of the alleged debt.

Paid In Full, Inc. attempted to collect a debt on behalf of my former commercial landlord ( XXXX XXXXXXXX XXXX XXXX  ) related to alleged property damage. I have repeatedly disputed the debt and requested validation, including evidence that any damage was caused by me ( the tenant ). Despite this, Paid In Full has failed to provide any documentation proving tenant negligence. 

XXXX claimed I was responsible for damage to swamp cooler units at a commercial property I leased. However, I provided documented photographic evidence from XX/XX/XXXX ( before my lease began ) showing the units were already in poor condition, including rust, calcification, and broken components. Despite this, XXXX withheld my {$5200.00} deposit without justification and referred the alleged debt to Paid In Full , Inc . 

I formally disputed the debt in writing and requested validation. Paid In Full, Inc. failed to provide any evidence that the damage occurred during my tenancy or that I violated any lease terms. The damage in question was pre-existing, as confirmed by photos taken before my se began. I fully complied with all lease maintenance terms, including servicing the units. Paid In Full continued collections without proof, and ultimately referred the debt to a third-party agency, which resulted in a XXXX drop in my credit score.

They had a duty under FDCPA to : Validate the debt upon request, Investigate the dispute, Refrain from misleading or inaccurate reporting, XXXX the account as " disputed '' with credit bureausnone of which was done. 

This collection has caused substantial financial and reputational damage. I am requesting that the CFPB : Investigate Paid In Fulls handling of this account, Compel them to retract or delete the negative entry, Enforce proper validation procedures for any remaining claims. 
Their conduct constitutes : Improper debt collection without adequate validation Failure to investigate my dispute Failure to mark the account as disputed Unjustified credit reporting harm Delayed and bad-faith communication ( XXXX waited 10 months after my lease ended to raise any issue ) This has caused serious reputational, emotional, and financial harm. I am requesting that the CFPB : Investigate XXXX XXXX XXXX XXXX and Paid In Full, XXXX for their handling of this debt Compel the removal of the collection from my credit report Enforce proper debt validation and dispute handling practices I have attached service records per lease and also photos of the units prior to my use in XXXX which show them in very poor condition ( rust, calcification, and broken components ). Ive attached emails showing the problems i had with them after a few weeks of use, then again a few weeks later. They never worked due to being such poor condition prior to my lease starting and the property manager did nothing about it. I have also included an invoice dated XX/XX/XXXX showing a {$0.00} balance on my account. Not to mention several other tenant laws that they broke.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief