Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Subject : Complaint Against Collection Account from XXXX XXXX XXXX Automated Collection ( Account XXXX  XXXX ) To Whom It XXXX Concern : I am filing a formal complaint regarding a collection account being reported by XXXX XXXX XXXX Automated Collection with the following details : Account Number : XXXX Original Creditor : XXXX XXXX Amount : {$3500.00} Date Opened/Reported : XX/XX/XXXX XX/XX/XXXX ( conflicting/inconsistent ) Credit Bureaus Reporting : XXXX XXXX XXXXXXXX XXXX XXXX the XXXX XXXX This tradeline appears to contain multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and potentially the Consumer Financial Protection Act. My concerns include but are not limited to : XXXX XXXX : The account lists conflicting or unclear dates ( e.g., XX/XX/XXXX vs. XX/XX/XXXX ) and is missing full information, including clear opening, XXXX, and last activity dates. 

Incomplete Information : No terms of the debt, no contractual documentation, and no itemized accounting of the alleged balance are included in the reporting. 

No Notice Provided : I have not received proper written validation of this debt as required under XXXX XXXX. XXXX ( a ). 

Potential Re-aging : The dates reported XXXX indicate re-aging of the account in violation of FCRA XXXX ( a ) ( XXXX ). 

Questionable Ownership : I have no record or contract directly with " XXXX XXXX XXXX, '' and I request documentation to prove their legal authority to collect or report on this account. 

Requested Action : I am requesting that the Consumer Financial Protection Bureau investigate the legitimacy and reporting practices of this collection tradeline. Specifically, I am requesting that the collection agency be required to : Provide complete validation of the alleged debt, including a copy of the original signed lease agreement, itemized breakdown of charges, and proof of assignment or ownership of the debt. 

Cease reporting and remove the account from my credit reports if they are unable to provide the legally required validation. 

Provide a full accounting of all communications and notices sent to me as required by the FDCPA. 

Additional Notes : This account is negatively impacting my credit profile, and the reporting appears to be both incomplete and potentially inaccurate. I request swift investigation and resolution in accordance with CFPBs oversight authority over XXXX XXXX XXXXXXXX and furnishers of credit information. 

I requested the following information from the company, as allowed under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : Full validation of the alleged debt, including : A copy of the original signed lease agreement Itemized accounting of the charges leading to the balance Proof of ownership or assignment of the debt Name and address of the original creditor ( XXXX XXXX ) Proof that the debt is legally enforceable and within the statute of limitations Documentation showing their authority to report to the XXXX  XXXX  The date of first XXXX and details related to XXXX  XXXX  timelines Copies of any notices or communications they claim to have sent me. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation