Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding RentDebt Automated Collections , LLC and what I believe to be inaccurate and misleading credit reporting following a settlement agreement. In early XX/XX/year>, I contacted RentDebt Automated Collections regarding a collection account they were reporting to the credit bureaus. At the time, the account was being reported on my credit reports with a balance of approximately {$15000.00}. During my call to RentDebt, their automated system advised that the actual balance owed was {$15000.00}. This discrepancy demonstrated that the account was already being reported inaccurately to the credit bureaus. During multiple telephone conversations with RentDebt representatives and supervisors, I was informed that I could settle the account for {$12000.00}. I specifically discussed how the account would be reported after payment. I was repeatedly informed that upon receipt of the settlement payment, the account would be reported as closed with a {$0.00} balance. I was further advised that RentDebt does not delete collection accounts from credit reports but instead updates the account information to reflect the settlement and closure of the account. Based on those representations, I agreed to the settlement and authorized an ACH payment from my XXXX XXXX XXXX XXXX checking account. The payment in the amount of {$12000.00} was successfully processed and received by RentDebt in XX/XX/year>. The payment was honored by my bank, was never returned, and has not been reversed. Following receipt of my payment, RentDebt issued a receipt reflecting that the account had a current balance of {$0.00}. Additionally, during the latter part of XX/XX/year>, the account was reported to the credit bureaus as closed with a {$0.00} balance. I have documentation reflecting both the {$0.00} balance and the account closure. However, between XX/XX/XXXX and XX/XX/year>, RentDebt changed its reporting and began reporting a balance of approximately {$2200.00} on the same collection account. This amount corresponds almost exactly to the difference between the original balance of {$15000.00} and the settlement amount of {$12000.00}. In other words, after reporting the account as closed with a {$0.00} balance, RentDebt subsequently began reporting the forgiven portion of the debt as an outstanding balance. At no time prior to making the settlement payment was I informed that RentDebt intended to continue reporting any remaining balance after settlement. To the contrary, I was expressly advised that the settlement payment would satisfy the account and that the account would be reported as closed with a {$0.00} balance. The only circumstance under which I was told the account would not be reported as settled and closed was if the payment failed or was not honored by my bank. My payment was successfully completed and fully honored. I believe RentDebts actions constitute inaccurate credit reporting and are inconsistent with the settlement agreement that induced me to make the payment. Their reporting has negatively impacted my credit profile and has caused significant harm. I am requesting that RentDebt : Provide all notes, records, and recordings relating to the settlement discussions and agreement. Explain the basis for reporting a {$2200.00} balance after previously reporting the account as closed with a {$0.00} balance. Correct any inaccurate credit reporting with all consumer reporting agencies. Report the account consistent with the settlement agreement and the receipt showing a current balance of {$0.00}. I am attaching supporting documentation, including the payment receipt reflecting a {$0.00} balance and evidence showing that the account was initially reported as closed with a {$0.00} balance before the balance was later reinstated.

Company response to consumer: Closed with explanation