Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I have contacted you numerous times regarding this alleged account and have yet to receive proper validation. I REFUSE TO PAY THIS DEBT. Your continued collection activity without producing original account-level documentation constitutes conduct that may violate federal consumer protection statutes. This letter serves as formal notice that you must immediately cease all collection efforts unless and until you comply fully with validation requirements. Collection activity includes, but is not limited to, telephone calls, written demands, electronic communications, and reporting, verifying, or updating information with any consumer reporting agency. I am demanding complete validation of this alleged obligation. Specifically, I require ALL Original Account Level Documentation ( OALD ). I am not requesting internal ledgers, summaries, payment screenshots, data compilations, or documentation described merely as available. I require authentic, original records created and maintained by the original creditor. Identify the specific individual who claims to have personal and requisite knowledge of the facts of this alleged debt, including the genuineness and authenticity of the account and possession of OALD. That individual must be capable of establishing a XXXX XXXX case pursuant to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. Requisite knowledge can not be based solely upon review of your internal records. Confirm that this individual has personally reviewed the original account-level documentation and is familiar with the original creditors record-keeping practices in accordance with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ]. Provide a complete chain of title for this alleged debt, including : The name of each prior owner of the account Copies of all assignments of the alleged debt ALL previous assignments executed by prior holders Additionally, provide a certified or properly authenticated copy of each bill of sale or transfer document evidencing the transfer of ownership from the original creditor at charge-off through each successive purchaser, including Rent Debt Automated. Provide a signed document evidencing the opening of the account. Further, provide OALD reflecting purchases, payments, or any actual use of the account by me. Provide OALD reflecting the original principal balance of the alleged debt, excluding any post charge-off or post-judgment additions. If the balance currently claimed exceeds the post charge-off or post-judgment amount, provide a detailed explanation of how the amount was calculated and identify the contractual provision and legal authority authorizing such increases. I require a complete transactional history of the account from inception with the original creditor, including all monthly statements. All original account-level documentation must be mailed directly to my address as listed in the header of this request. These documents must originate from the original creditor and not be reproduced solely on debt collector letterhead. Provide documentation reflecting the original contractual terms and conditions governing the account at the time it was opened, including any amendments, modifications, or updated terms thereafter. Disclose the date of the last payment made to the original creditor. Confirm that you are not attempting to collect a time-barred debt outside the applicable statute of limitations. Misrepresentation of the legal enforceability of a debt is prohibited under 15 U.S.C. 1692e ( 5 ). Provide your written dispute policies and procedures, along with a description of the compliance system used to maintain and implement those procedures. This correspondence constitutes a Direct Dispute. You are required to conduct a reasonable and complete investigation within 30 days of receipt pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). If you attempt to characterize this dispute as frivolous or irrelevant, be advised that my full legal name, mailing address, and the account number as reported appear in the header of this request. Any such determination must be communicated in writing within five days of receipt. Provide written confirmation of the current legal status of this account within your records. You are prohibited from using any false, deceptive, or misleading representation in connection with this alleged debt pursuant to 15 U.S.C. 1692e ( 10 ). I am prepared to enforce my rights under federal consumer protection statutes and pursue remedies in a court of competent jurisdiction pursuant to 12 U.S.C. 5565 ( a ) ( 1 ) for violations under the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware of statutory damages of up to {$1000.00} per violation in addition to any actual damages incurred. You are provided 30 days to supply all requested documentation and to immediately remove any unlawful credit reporting associated with this account. Failure to permanently delete this account and issue a debt waiver will result in litigation filed in a proper venue within my county. This statement is true and lawful.

Company response to consumer: Closed with explanation