Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Rent Debt Automated Collections ( RDAC ), a collection agency, for their continued reporting of an erroneous debt, which has resulted in financial harm, credit damage, and housing application denials. RDAC continues to claim that they are collecting a debt for XXXX XXXXXXXX XXXX XXXX ) Apartments and lists them as a client/creditor on XXXX XXXX XXXX XXXX 

Summary of the Complaint On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my rental applications for a property were denied due to negative rental history reported on XXXX  on behalf of Rent Debt Automated Collection or RDAC. The alleged debt stems from my very short time at XXXX XXXX XXXX on XXXX XXXX, XXXX, TX. I contacted RDAC and filed a formal complaint on XX/XX/XXXX XXXX 

On XX/XX/XXXXXXXX I contacted XXXX XXXXXXXX XXXX  to request a debt clearance letter. The property manager informed me that I was not listed as a leaseholder nor tenant in their system ; She could not provide a debt clearance letter ; I should contact RDAC, despite RDAC not being the original creditor. 

History of the Disputed Debt In XXXX  I was notified by XXXX that a negative report was placed on my credit report by XXXX XXXX XXXX. I was given permission to move due to violence and stalking and I vacated the apartment on XX/XX/XXXX. Upon receiving this notification, I immediately contacted the leasing office and met with the property manager.

The property manager claimed that an invoice had been sent to me after I moved out ; however, this invoice was intentionally sent over one year later to my former address at XXXX XXXX my forwarding address, as required by Texas law. Because of this improper handling, the letter was returned as undeliverable. Under Texas property law, landlords must make a reasonable effort to contact former tenants using their forwarding address in a timely manner, which XXXX XXXX failed to do. 
Furthermore, at the time of the dispute in XXXX the alleged amount owed was less than {$2000.00}, yet it did not account for my rental deposit ; A full months rent paid on XXXX XXXX XXXX XXXX XXXX XXXX I feel the property and collection agency claimed the amount was over $ XXXX which was inflated so that they could report it on my credit report as a significant loss. 

Upon my departure, all payments had been settled, and no outstanding balance remained, per the agreement with the property manager at that time. Additionally, in XXXX, I was granted permission to terminate my lease early without penalty, under the assurance that the leasing office would take over the lease. Once I vacated the property, XXXX XXXX denied ever allowing this agreement and retroactively demanded additional fees. This predatory practice has been the subject of past legal disputes involving this property. 

My compliant is that RDAC violates my rights : Improper Debt Reporting : This debt was disputed, granted and removed from my credit report in XXXX. Under FCRA Section 611, if a debt is removed due to a dispute, it can not be re-reported unless new, valid evidence proves the debt is legitimate. No such evidence has been provided, yet RDAC continues to report this debt. 

False Representation of Debt : The collection agency is knowingly reporting an invalid debt, even though XXXX XXXX has confirmed that I do not owe them a debt nor am I in their system. This violates FDCPA regulations against misleading debt collection practices. 

Failure to Provide XXXX : Despite my attempts to verify this debt, XXXX has failed to provide any legitimate documentation proving that I owe this amount. 

Ongoing Financial Harm : Due to RDACs continued reporting of this debt, I have suffered rental application rejections, increased housing costs, and credit damage, all of which have negatively impacted my ability to secure stable housing and financial opportunities.

Company response to consumer: Closed with explanation