Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Credit Reporting Under the Fair Credit Reporting Act ( FCRA ), Demand for Permanent Deletion, Compensation for Violations, and Cease and Desist Notice Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear XXXX, XXXX, and XXXX  : This letter serves as my formal written dispute under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverifiable information appearing on my credit reports. I am disputing the following account : * Furnisher/Debt Collector : RNT DEBT ( Original Creditor : XXXX XXXX  ) * Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Type : Collection * Balance : {$300.00} * Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX ) * Last Reported : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  ) * Status : Collection/Chargeoff, Derogatory * Comments : Placed for collection The reported information is inaccurate, incomplete, and in violation of multiple provisions of the FCRA, FDCPA, XXXX XXXX compliance standards XXXX and related regulations. Specifically : 1. Inaccurate Reporting of Delinquency Progression and Payment History : The account is reported as 180 days late without any indication of the required progressive delinquency stages ( 30, 60, 90, 120 days late ). This skips essential reporting steps and misrepresents the accounts history. Under XXXX XXXX compliance guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ), furnishers must accurately report payment history and delinquency levels in a progressive manner, ensuring alignment with key dates such as the Date of Last Payment, Date of First Delinquency ( DOFD ), and account status. Failure to do so violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to assure maximum possible accuracy of reported information. Additionally, this constitutes a violation by the furnisher under 15 U.S.C. 1681s-2 ( a ), which prohibits furnishing inaccurate or incomplete information. Courts have held that such inaccuracies in delinquency reporting can lead to FCRA liability ; for example, in Frazier v. Equifax Information Services, LLC ( 7th Cir. 2024 ), the court recognized claims for inaccurate reporting of late payments as a violation of 15 U.S.C. 1681i where the CRA failed to properly investigate and correct errors.

2. Incorrect Date of First Delinquency ( DOFD ) : The reported DOFD is inaccurate or missing, leading to improper aging of the account on my credit report. This violates 15 U.S.C. 1681c, which governs the permissible reporting periods for adverse information, including delinquencies. An incorrect DOFD extends the negative impact beyond the statutory 7-year limit, causing undue harm. In Sheridan v. FIA Card Services ( N.D. Cal. 2014 ), the court found that misleading reporting of delinquencies during protected periods ( e.g., bankruptcy ) was inaccurate under the FCRA, analogous to the improper DOFD here. 
XXXX. Status Code Violations and Incomplete Reporting : The account status is reported as Collection/Chargeoff without proper verification of supporting data, including two-year payment history that fails to reflect accurate monthly statuses ( e.g., XXXX  shows incomplete or blank months ; XXXX  and XXXX  show similar gaps ). XXXX XXXX requires consistent and complete reporting of status codes, such as aligning delinquency codes with payment history. This incomplete reporting violates 15 U.S.C. 1681e ( b ) and 1681i ( a ), as CRAs must ensure completeness and accuracy. Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 7 ), furnishers must provide notice to consumers before reporting negative information like delinquencies or late payments, which was not done here. 
4. Upload of False or Misleading Data via e-OSCAR : The furnisher has uploaded false or unverifiable data to my credit file through the e-OSCAR system, which constitutes misleading electronic communication. Such actions may implicate 18 U.S.C. 1343 ( wire fraud ) for transmitting false information across state lines with intent to deceive. Under FCRA 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation upon notice of a dispute and delete unverifiable information. The automated e-OSCAR process often fails to meet this standard, as it does not involve a real investigation reviewing all dispute information. I demand a manual reinvestigation, not an automated ACDV ( Automated Consumer Dispute Verification ) process, to comply with FCRA requirements. Courts have emphasized the need for meaningful investigations ; in No FCRA Violations Found Where Defendants Promptly Corrected Inaccurate Data ( XXXX XXXX ), prompt correction was key, but here, no such action has occurred. 
5. Failure to Provide Method of Verification ( MOV ) : Despite previous disputes ( if applicable ) or this current one, no MOV has been provided as required under 15 U.S.C. 1681i ( a ) ( 6 ) - ( 7 ). I demand a detailed MOV, including how the information was verified, what documents were reviewed, and confirmation that original records were consulted. Under Federal Rule of Evidence 1002 ( Best Evidence Rule ), verification must rely on original documents, not secondary or automated summaries. Without originals, the late payments can not be legitimately verified and must be deleted. 
XXXX. Violations Related to Payment Timing and Billing : The reporting ignores 15 U.S.C. 1666b, which requires creditors to treat payments as timely if received by XXXX XXXX. on the due date and prohibits late fees without reasonable procedures. Relatedly, 12 CFR 1026.13 ( Regulation Z ) addresses billing error resolution, and 15 U.S.C. 1637 ( a ) requires disclosures for open-end credit. No evidence shows compliance with these, leading to inaccurate late payment reports. Additionally, 15 U.S.C. 1681s-3 restricts certain communications of information among affiliates unless clearly disclosed, which was not done here. 
7. Role Reporting Under XXXX XXXX and FCRA : All accounts must accurately report the furnishers role under XXXX XXXX and 15 U.S.C. 1681e ( b ). The furnishers role as a debt collector is not properly delineated, leading to misleading reporting.

These inaccuracies have caused significant harm, including denied credit opportunities, higher interest rates, and emotional distress. Under 15 U.S.C. 1681n and 1681o, I am entitled to actual damages, statutory damages up to {$1000.00} per violation, punitive damages for willful noncompliance, and attorneys fees. Willful violations have been found in cases like The 7 Most Notable FCRA Cases of XXXX So Far ( XXXX XXXX, XXXX ), where failure to correct known inaccuracies led to liability. I demand compensation of at least {$5000.00} per CRA for these violations, plus permanent deletion of the account from my reports. 
Demands Under FCRA : * Conduct a reasonable reinvestigation under 15 U.S.C. 1681i within 30 days ( extendable to 45 if additional info provided ).

* Review all submitted information, including this letter and any attachments.

* Delete the entire account if any information can not be verified as 100 % accurate.

* Provide a detailed MOV and updated credit reports post-reinvestigation. 
* Forward this dispute to the furnisher ( RNT DEBT ) under 15 U.S.C. 1681i ( a ) ( 2 ) for their investigation under 1681s-2 ( b ). 
* If the furnisher fails to verify, delete the information permanently. 
Cease and Desist Notice Under FDCPA : Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that RNT DEBT and any affiliated collectors immediately cease and desist all debt collection activities, including but not limited to : phone calls, emails, internet communications, regular mail, and further credit reporting. This includes ceasing all communication except to confirm receipt of this notice or notify me of specific actions ( e.g., lawsuit filing ). Continued contact will violate the FDCPA, exposing you to liability for actual and statutory damages up to {$1000.00} per violation, plus attorneys fees. I request you forward this cease and desist to the furnisher immediately. 
This notice is sent Without Prejudice under UCC 1-308, reserving all my rights without waiver. Failure to comply will result in legal action in federal court for FCRA and FDCPA violations, seeking maximum damages and costs. 
Please respond in writing within 10 days confirming receipt and outlining your planned actions. 
Sincerely,

Company response to consumer: Closed with explanation