Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinata Rent, Inc
State: DC

Complaint narrative:
I am submitting this complaint to formally dispute a PINATA Rent account that was opened and reported in my name as a result of identity theft. I do not own this account, I did not authorize it, and I never entered into a rental agreement, lease, or service relationship with PINATA Rent for the account being reported. Any balance, payment history, or activity associated with this account is fraudulent and the result of unauthorized use of my personal information. 

The PINATA Rent account in question was opened in or around XX/XX/2025 and reflects a balance of approximately {$2800.00}. I did not apply for, request, or authorize any rent-related reporting service, rewards program, or third-party rent tracking product with PINATA Rent during this time period. I did not provide consentwritten, electronic, or verbalfor my personal information to be used to create or report this account. 

I first became aware of this unauthorized PINATA Rent account after reviewing my credit information and discovering unfamiliar tradelines and accounts that I did not recognize. The presence of a PINATA Rent account immediately raised concern, as it did not align with my housing history, rental agreements, or authorization. I have never knowingly had a legitimate business relationship with PINATA Rent for the account being reported. 

I did not sign any lease, rental agreement, or authorization allowing PINATA Rent to access, collect, report, or furnish rental payment data in my name. I did not enroll in any rent reporting, rent rewards, or rent verification program through PINATA Rent. I did not authorize any landlord, property manager, or third party to submit my information to PINATA Rent on my behalf. 

I did not receive enrollment notices, disclosures, terms of service, welcome communications, or verification requests at the time the account was allegedly created. I did not receive confirmation emails, account setup instructions, or consent verification requests that would normally accompany a legitimate enrollment. Any such activity reflected in PINATA Rents records was generated by an unknown third party without my knowledge or consent. 

Upon discovering this unauthorized account, I took immediate steps to protect myself and document the fraud. I confirmed that I did not open or authorize this PINATA Rent account and that my identity had been compromised. As a result, I filed an official Identity Theft Report with the Federal Trade Commission ( FTC ), affirming under penalty of perjury that this account is not mine and was opened through identity theft. This FTC Identity Theft Report establishes my status as a victim of identity theft and invokes protections under federal law, including the Fair Credit Reporting Act ( FCRA ). 

Despite filing an FTC Identity Theft Report and disputing the account, the PINATA Rent account continues to be associated with my identity and credit profile. The continued reporting of this account is inaccurate, misleading, and harmful. Rental-related reporting can significantly affect a consumers credit standing and housing opportunities, and I should not be subject to any negative or misleading data for an account that was never mine. 

I did not authorize PINATA Rent to collect or report rental payment data in my name. If PINATA Rent received my information from a landlord, property manager, or third-party data source, that information was submitted without my authorization and is inaccurate. Any reporting based on unauthorized third-party submissions does not create a valid consumer relationship or obligation on my part. 

I did not receive the benefit of any rent reporting, rewards, or credit-building services associated with this account. I did not receive points, incentives, credit reporting benefits, or other services. I did not make payments through PINATA Rent, and I did not authorize PINATA Rent to track or verify my rent payments. Any activity associated with this account was conducted by an unknown individual impersonating me. 

PINATA Rent, as a data furnisher and intermediary involved in rental payment reporting, has a responsibility to ensure that consumer data is accurate, authorized, and verifiable. The creation and reporting of an account in my name without my consent demonstrates a failure in consent verification, identity validation, or data intake procedures. That failure should not be transferred onto me as the victim of identity theft. 

To date, I have not been provided with any documentation proving that I authorized this account. I have not received a signed consent form, electronic authorization record, IP address data, device identifiers, timestamped consent logs, or any other objective evidence linking me to the enrollment or creation of this account. Without such docu

mentation, there is no factual or legal basis for PINATA Rent to continue reporting or maintaining this account in my name. This fraudulent account has require
d me to spend significant time reviewing my credit reports, monitoring my financial and housing-related information, filing identity theft documentation, and submitting disputes and complaints to correct information that should never have been associated with me. These actions are burdensome and stressful, particularly given that I did nothing to cause this situation. 

The continued association of my identity with this account exposes me to ongoing risk, including inaccurate rental history reporting, adverse credit decisions, housing denials, or internal risk flags used by landlords or screening services. Identity theft issues involving rental data are particularly harmful because they can affect both credit and housing stability. 

I am not refusing responsibility for a legitimate account. I am asserting that no legitimate account exists. I never entered into a contractual or consent-based relationship with PINATA Rent. I did not authorize any rent reporting activity, and I did not benefit from this account in any way. Any balance or reporting associated with this account is invalid. 

Under the Fair Credit Reporting Act, information resulting from identity theft must be blocked and removed once a valid Identity Theft Report has been submitted. Continuing to report or maintain this account after notice of identity theft is inconsistent with those legal obligations and perpetuates harm to me as the victim. 

I am requesting that PINATA Rent acknowledge that this account was opened fraudulently and as a result of identity theft. I am requesting that PINATA Rent permanently remove this account from my credit file, fully disassociate my identity from it across all internal and external systems, and ensure that it is not reinserted, re-reported, or referenced in the future. 

I further request that PINATA Rent conduct a thorough internal investigation into how this account was created without proper authorization. This investigation should include review of consent mechanisms, landlord or third-party data submissions, identity verification processes, and any vendors involved. While I am not responsible for identifying the perpetrator, corrective action is necessary to prevent similar incidents affecting other consumers. 

I am also requesting written confirmation that : I have no financial, legal, or contractual responsibility for this account The account has been removed from all consumer reporting agencies The account will not be reinserted, resubmitted, or reported in the future My identity has been fully disassociated from the account internally No adverse housing, credit, or screening decisions will be based on this account This experience has caused unnecessary stress, XXXX, and loss of time. I have taken all appropriate steps required of an identity theft victim, including filing an FTC Identity Theft Report and disputing the account. I should not be required to continue defending myself against a fraudulent rental-related account that was never mine. 

In summary, the PINATA Rent account opened in or around XX/XX/XXXX  with a reported balance of approximately {$2800.00} is fraudulent. I do not own this account. I did not authorize it. I did not benefit from it. I have filed an FTC Identity Theft Report documenting this fraud. I am requesting immediate and permanent corrective action to remove this account and ensure full compliance with applicable consumer protection laws.

Company response to consumer: Closed with explanation