Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, I filed a written dispute regarding the Rent Recovery Solutions account for {$2600.00} ( XXXX XXXX XXXX ). 

On XX/XX/XXXX, your response stated that the matter had been forwarded to your client for reinvestigation and that if there is not a specific, timely response, the account will be deleted from the credit bureaus. 

It is now XX/XX/XXXX, more than XXXX  days since my original dispute and over XXXX weeks since your written statement. You have neither provided validation nor followed through on your commitment to delete the tradeline. Instead, you continued reporting and, on XX/XX/XXXX, you updated the tradeline in a way that triggered a XXXX drop in my XXXX credit score.

This conduct violates : FDCPA 809 ( b ) : continuing collection activity ( credit reporting ) without validation after my dispute.

FCRA 611 ( a ) ( 1 ) ( A ) : failure to complete a lawful reinvestigation within 3045 days.

FCRA 623 ( a ) ( 1 ) ( A ) : knowingly furnishing unverifiable and inaccurate information.

FCRA 623 ( a ) ( 5 ) : illegal re-aging by refreshing the account as if newly delinquent, despite no consumer activity since XXXX. 



specifically the illegal re-aging of the tradeline as of XX/XX/XXXX, which caused a XXXX drop in my credit score. I am pursuing a new claim and demanding deletion based on this updated harm. This letter serves as a formal notice and demand regarding your unlawful reporting practices related to the collection account you have reported on my XXXX  credit file, with the original creditor listed as XXXX XXXX  and a balance of {$2600.00}. Facts : The account originated around XX/XX/XXXX, with no new activity or payments from me since that time. You previously reported this account years ago, resulting in damage to my credit once. On or around XX/XX/XXXX, you updated the tradeline again, triggering a second round of credit damage a XXXX drop in my XXXX credit score. This update was made without any new action or activity from me. The Violation : Your actions constitute illegal re-aging of a debt, in violation of : FCRA 623 ( a ) ( 2 ) ( A ) Furnishing inaccurate information to consumer reporting agencies FCRA 623 ( a ) ( 5 ) Duty to report the original date of delinquency FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Failure to notify me of reinsertion or re-reporting FDCPA 807 ( 2 ) ( A ) Misrepresentation of the legal status and timeline of a debt By refreshing the status date of a collection account that is over XXXX XXXX XXXX without a new payment, promise to pay, or consumer-initiated activity you have misled the credit reporting system and artificially extended the life and impact of this debt. This is an unethical and unlawful practice that has caused me tangible harm, including : A second credit score drop Delayed financing and personal setbacks XXXX and financial stress due to your failure to follow the law DEMAND : 1. Permanent deletion of this tradeline from all credit bureaus.

2. Written confirmation of deletion within 10 business days.

Failure to comply will result in a lawsuit under FCRA 616617 and FDCPA 813, along with additional complaints to the CFPB, FTC, and Texas Attorney General. 

You are in violation of federal law and your own written statement. This is a final demand. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation