Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau Formal Complaint Inaccurate Credit Reporting and Failure to Validate Alleged Debt Dear CFPB, I am filing a formal complaint about a collection account in the approximate amount of {$12000.00} that has been reported on my credit by a property management company and its associated collection agency. This account is inaccurate, has not been properly validated, and I believe it may be the result of fraudulent activity or severe reporting errors. At the time this alleged debt was incurred, I was not living in the state of Georgia and had no lease agreement, residency, or contractual relationship with the property management company reporting this account. I have never occupied, leased, or authorized any housing under my name with this entity. Upon discovery of this account, I immediately requested validation of the debt. The property management company provided only a copy of a lease agreement that was electronically signed. Critically, they confirmed they do not have a rental application on file. This is a fundamental deficiency, as the application would hold key identifying information, including my Social Security Number and date of birth, which are necessary to properly verify the identity of the individual responsible for the alleged debt. I was further advised that the property has since been bought by a new management company and that essential records were not transferred. Additionally, I was informed that the prior ownership entity has been dissolved, leaving no complete or verifiable documentation trail. Despite this, the debt continues to be reported and pursued. I also contacted the collection agency directly. The representative was unable to verify critical identifying information beyond my name and date of birth. This level of verification is insufficient and raises serious concerns about the accuracy and legality of this account being reported under my credit profile. The collection agency has acknowledged limited documentation and has submitted a request for more validation, which remains pending. The continued reporting of this account without proper verification appears to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Furnishing and reporting a debt without reasonable procedures to assure maximum accuracy and attempting to collect on a debt that can not be properly validated, is unacceptable and harmful. I have started disputes with all relevant credit bureaus and am submitting a police report to document potential identity theft or fraudulent activity associated with this account. Given the lack of sufficient documentation, inability to verify identity, and broken chain of records, I formally request : 1. A full investigation into the reporting practices of both the property management company and the collection agency 2. Immediate verification of the debt with complete and legally sufficient documentation 3. Immediate removal of this account from my credit report if proper validation can not be established This matter has already caused significant harm to my credit profile and ongoing financial transactions. I expect prompt attention and resolution under federal consumer protection laws. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation