Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
On XX/XX/year>2025, I mailed a written dispute letter directly to RENTDEBT Automated Collections regarding an alleged eviction-related debt they have been reporting on my credit report. This letter was sent to their business address as listed on public records. While I did not send the letter certified, I am confident it was delivered in a timely manner, as other mail sent from my location during that same week arrived within normal postal timelines.

In my dispute letter, I formally challenged the accuracy and validity of the debt and exercised my rights under both the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( Validation of debts ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information ).

I did not simply request a generic verification in the form of a printout or internal accounting summary. I specifically asked for full and proper validation by a human representative, which included : A complete copy of my original signed lease agreement for the property in question, showing my personal wet-ink signature.

A signed rental application proving I personally applied for and entered into the lease. A complete and detailed payment ledger that accounts for every charge, fee, and payment made, with dates and amounts clearly listed. Proof of legal authority to collect, including the full chain of assignment from the
original creditor to RENTDEBT Automated Collections.

A sworn statement or affidavit signed by a live person, not a computer-generated printout, attesting to the accuracy and validity of the account and the records being provided.

Copies of any eviction notices, court filings, or judgments directly related to this alleged debt.

This request was entirely reasonable and fully compliant with the FDCPAs provisions for requesting validation. The purpose of this request was to ensure that the account being reported actually belongs to me and that RENTDEBT Automated Collections has the legal right to collect on it.

As of todays date, it has been well over 30 days since my dispute letter was sent, and I have not received any response whatsoever from RENTDEBT Automated Collections. There has been no attempt to provide the requested documents, no communication acknowledging my dispute, and no explanation for their lack of compliance.

Despite their failure to validate the debt as required by law, they have continued to report this account to the credit bureaus. By doing so, they are in violation of : FDCPA 809 ( b ) Failing to cease collection activities until validation is provided.

FCRA 623 ( b ) Failing to conduct a reasonable investigation after being notified of a dispute.

FDCPA 807 Using false, deceptive, or misleading representations in connection with the collection of a debt ( continuing to report without proper validation ).

The impact of these violations is significant. The continued presence of this account on my credit report is damaging my creditworthiness, making it more difficult for me to obtain housing, credit, or other financial opportunities. This is particularly harmful because this is an eviction-related debt, which is highly stigmatizing and can automatically disqualify applicants from many rental properties, regardless of the actual circumstances.

I have acted in good faith by submitting my dispute in writing, clearly outlining exactly what documentation was required to validate the account. RENTDEBT Automated Collections, on the other hand, has ignored their legal obligations and allowed inaccurate and unvalidated information to remain on my credit report.

Company response to consumer: Closed with explanation