Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
This is not the first time I have disputed this account, and the company is fully aware that it does not belong to me. I previously contacted the company directly and clearly informed them that the account is associated with the wrong individual. The name listed on the account is XXXX XXXX, while my legal name is XXXX XXXX. I have never used the name XXXX XXXX, nor have I ever lived in the area connected to this alleged debt. I also submitted a copy of my drivers license to verify my identity and confirm this error. Following my prior dispute, the account was removed from my credit report around XX/XX/XXXX. Despite having clear notice of this identity discrepancy, the company later reinserted the same account in or around XX/XX/XXXX without any notification, without correcting the inaccurate name, and without conducting a proper investigation. I did not receive any reinsertion notice, nor was I provided with any documentation demonstrating how this account was verified as belonging to me after I had already established that it does not. This conduct appears to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). The reinsertion of a previously deleted account without proper notice violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires that consumers be notified within five business days of reinsertion. The continued reporting of inaccurate information, including associating this account with the wrong name, violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Additionally, the failure to properly investigate and correct this information after I provided proof of my identity violates 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation upon dispute. This pattern of removing and then re-reporting inaccurate information, despite being provided with clear identity verification, demonstrates a failure to comply with federal law and raises serious concerns regarding the companys procedures for accuracy, identity verification, and reinvestigation. As a result of this conduct, I have suffered tangible harm, including denial of housing opportunities based on this improperly reported account. I have requested full debt validation, identity verification, and proof of reinsertion compliance. To date, this matter has not been properly resolved. A fair resolution to this matter is the immediate and permanent deletion of this account from all consumer reporting agencies, along with written confirmation that it will not be reinserted in the future. I also request that the company correct any internal records to ensure my identity is no longer associated with this account. If this account is not immediately and permanently deleted, I am prepared to pursue further action, including filing a claim in small claims court and seeking all available remedies for violations of the Fair Credit Reporting Act. I am currently gathering and preserving all documentation related to this matter. This is a final opportunity to correct this issue before further action is taken.

Company response to consumer: Untimely response