Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: AR

Complaint narrative:
I am submitting this complaint regarding XXXX continued reporting of a rental debt that is inaccurate, previously deleted by another consumer reporting agency, and paid in full through a government rental assistance program. 

The account in question is a rental debt that was paid in full by Texas Rent Relief, a government-administered emergency rental assistance program. Once payment was issued, I was no longer legally obligated for the balance. There is no remaining consumer liability. 

Despite this, XXXX  continues to report the account after repeated disputes, while XXXX  has permanently deleted the same account after determining that it could not be verified as belonging to me and/or could not be validated. 

XXXX continued reporting violates the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ) Accuracy and Reasonable Procedures XXXX  is reporting a balance that was paid in full by Texas Rent Relief and therefore no longer owed by me. Reporting a paid government-assisted rental balance as a consumer debt is materially inaccurate. XXXX  has failed to maintain reasonable procedures to ensure maximum possible accuracy. 
2. Violation of FCRA 1681s-2 ( b ) Failure to Conduct a Reasonable Investigation I have disputed this account multiple times and informed XXXX  that the debt was satisfied through Texas Rent Relief XXXX XXXX  relied solely on automated verification from the furnisher without reviewing documentary evidence of payment or legal responsibility. This does not meet the standard of a reasonable investigation. 
3. Violation of FCRA 1681c ( a ) and 1681c ( b ) Improper Re-Reporting After Deletion XXXX  deleted this account after it could not be verified. XXXX  continues to re-report the account without providing the required certification of accuracy and completeness. If an account is deleted due to lack of verification, it may not be reinserted unless strict statutory requirements are met, including advance consumer notice. I did not receive any lawful reinsertion notice. 
4. Violation of FCRA 1681g ( a ) ( 1 ) Failure to Disclose Verification Method XXXX  has not disclosed the actual method used to verify ownership of this account, nor whether any documentary evidence was reviewed. Merely stating verified as accurate is insufficient when the debt has been paid by a government program and another bureau has deleted it. 
5. Legal Status of Texas Rent Relief Payments Texas Rent Relief payments satisfy rental obligations on behalf of tenants. Once payment is issued and accepted, the tenant is not legally bonded to the debt. Continuing to report the balance as consumer liability is inaccurate and misleading. 

Requested Resolution : Immediate permanent deletion of this account from my XXXX  credit report Written confirmation that the account will not be reinserted Correction of any internal records reflecting consumer liability for this debt XXXX continued reporting of a paid, unverified rental debt has caused ongoing harm and constitutes noncompliance with the FCRA. This complaint is submitted to request regulatory intervention and corrective action.

Company response to consumer: Closed with explanation