Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Subject : Unlawful Debt Collection and Reporting Practices by Rent Recovery Solutions Details : 1. Failure to Validate Debt 12 CFR 1006.34 ( b ) ( 5 ) and 15 U.S.C. 1692g Rent Recovery Solutions failed to provide validation information within five days of their initial communication, as required under 12 CFR 1006.34 ( b ) ( 5 ) and 15 U.S.C. 1692g. Without validation, I can not verify the legitimacy of this alleged debt. Rent Recovery Solutions failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they reported a collection account on my credit report.

2. Lack of Opportunity to Dispute Debt 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I have not been provided with adequate notice of my right to dispute the debt or clear instructions for disputing it. This denies me a basic consumer protection afforded by law. I was not informed of my right to dispute the debt under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which is a clear violation of federal law. 

XXXX. Failure to Provide Original Purchase Agreement : Despite my formal request, Rent Recovery Solutions did not furnish the original purchase agreement or assignment of the alleged debt from the original landlord. This failure denies me the opportunity to verify the debts accuracy and legitimacy, violating 15 U.S.C. 1692g.

4. Additional Unfair Practices in Rental Debt Collection : The agency failed to disclose itemized charges and any agreements between the original landlord and Rent Recovery Solutions, which violates FDCPA provisions for transparent communication and debt validation ( 15 U.S.C. 1692g ). Furthermore, they may have improperly added fees not authorized by the original lease agreement, violating 15 U.S.C. 1692f ( 1 ).

5. Unlawful Inquiry on My Credit Report : An unauthorized " soft pull '' was conducted on my credit report without a permissible purpose, violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b. 

6. Violation of FCRA Rules on Obsolete Information 15 U.S.C. 1681c The alleged debt is reported beyond the time limits allowed by the FCRA, as it exceeds Louisianas statute of limitations. Including outdated or misleading information in my credit report harms my consumer rights.

7. Failure to Ensure Accurate Reporting Violations of 15 U.S.C. 1681s-2 and 12 CFR 1022.42 As a furnisher of information to consumer reporting agencies, Rent Recovery Solutions is required to ensure the accuracy and completeness of the information they report. Failing to validate the debt before reporting it violates these legal obligations.

6. Furnishing Inaccurate Information : Rent Recovery Solutions did not provide complete and accurate information to consumer reporting agencies, violating 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2.

I am prepared to provide : A copy of my credit report highlighting the disputed entry and unauthorized credit inquiry.

Relevant state statute information on Louisianas debt collection and statute of limitations.

Correspondence or lack thereof from Rent Recovery Solution.

Sincerely,

Company response to consumer: Closed with explanation