Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX, XXXX Rent Recovery SolutionsXXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Subject : XXXX Collection and Credit Reporting After Failure to Validate Debt Cease & Desist Demand under FDCPA & FCRA Re : Account # XXXX To Whom It May Concern : This letter is a formal follow-up to my previous written request dated XX/XX/XXXX, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). In that letter, I requested proper validation of the alleged debt you claim I owe.

To date, you have failed to provide the required validation, including : Proof that I owe the debt ( a signed agreement or itemized statement ).

A copy of a signed contract or agreement showing that I am legally obligated to pay the alleged debt.

The name and address of the original creditor.

A complete chain of assignment proving your legal right to collect on this debt, as required by 15 U.S.C. 1692e ( 10 ) and 1692g ( b ).

The original assignment or purchase agreement that authorizes your agency to collect on behalf of or as the assignee of the alleged original creditor.

Despite this failure to validate the alleged debt, you have continued to report this account to one or more consumer reporting agencies, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

This continued action is a willful violation of both the FDCPA and FCRA and may result in legal action, including but not limited to : FDCPA Violations 15 U.S.C. 1692g ( b ) Failure to validate debt upon written request and continuation of collection activity.

15 U.S.C. 1692e Use of false, deceptive, or misleading representations, including reporting an unvalidated debt to credit bureaus.

15 U.S.C. 1692c ( c ) This letter serves as notice that you must cease and desist all further communication and collection activity.

FCRA Violations 15 U.S.C. 1681s-2 ( b ) Your obligation, as a furnisher of information, to conduct a reasonable investigation upon dispute and correct or delete inaccurate information.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) If a reinvestigation finds information to be incomplete or inaccurate, the consumer reporting agency ( CRA ) must : provide to the consumer a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information.Since no proper documentation has been provided to me nor to the credit bureaus, the continued reporting of this account constitutes willful noncompliance with this provision. You must provide full procedural details or delete the tradeline from all CRAs.

I am now demanding the following actions be taken immediately : Cease and desist all collection activity on the above-referenced account under 15 U.S.C. 1692c ( c ).

Delete the account from all credit reporting agencies ( Equifax, Experian, TransUnion ) as required under 15 U.S.C. 1681s-2 ( b ) & 1681i ( a ) ( 6 ) ( B ) ( iii ).

Provide written confirmation of the deletion within 15 calendar days.

Refrain from any further contact unless it is to confirm compliance with these demands.

Failure to comply with these demands will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A complaint to the Federal Trade Commission ( FTC ) A complaint to my State Attorney General Potential litigation for statutory damages, attorney 's fees, and punitive damages under 15 U.S.C. 1692k Enclosures : Copy of the original debt validation request ( sent via certified mail ) Certified mail receipt Excerpt of my credit report showing continued reporting of the account Any prior correspondence from your agency Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation