Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Demand for Chain of Assignment, Account-Level Documentation, and Legal Validation under FCRA, FDCPA, and TILA Rent Recovery Solutions XXXX * * Dear Sir or Madam : I am writing to formally request the chain of assignment and all account-level documentation pertaining to the above-referenced account, which Rent Recovery Solutions XXXX * *, XXXX is currently reporting on my credit file as a collection account with a balance of {$10000.00}, last reported as of XX/XX/XXXX. 

This demand is made pursuant to the Fair Credit Reporting Act ( XXXX  ), Fair Debt Collection Practices Act ( XXXX  ), and the Truth in Lending Act ( XXXX  ), specifically XXXX U.S.C. XXXX ( a ), XXXX ( a ) ( XXXX ), XXXX U.S.C. XXXX, and XXXX U.S.C. XXXX, which collectively require that furnishers and debt collectors verify the accuracy of reported information, provide consumers with a full validation of any alleged debt, and comply with all relevant consumer credit and notice provisions. 

XXXX Grounds for This Request : XXXX XXXX U.S.C. XXXX ( a ) ( XXXX ), I am entitled to all information in the consumers file at the time of the request, including the sources of such informationmeaning that you must provide the chain of assignment, original contract, and any evidence that you have lawful authority to report or collect on this account. 

The FCRA, FDCPA, and judicial precedent ( see XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ) impose a strict duty on furnishers like Rent Recovery Solutions to ensure the information reported to credit bureaus is accurate and verifiable. As you are not the original creditor, you must also provide documentation showing the legal transfer of rights to collect on and report this account. 

Furthermore, under XXXX U.S.C. XXXX, debt collectors must, upon request, provide validation of any alleged debt, including the name of the original creditor and itemized details of the amount claimed. Failure to do so is a violation of federal law. 

Additionally, if this debt stems from a consumer credit transaction involving a security interest ( e.g., a lease or financed rental agreement ), then XXXX U.S.C. XXXX applies, which provides the consumer the right to rescind the transaction within XXXX business days of receiving required disclosures. If such disclosures were never provided, that right may still be in effect and the debt may not be legally enforceable. 

Demand for Documentation Within XXXX  days of receiving this letter, Rent Recovery Solutions must provide the following : The complete chain of assignment, including all bills of sale, assignment contracts, or other documentation evidencing the legal transfer of this account from the original creditor to Rent Recovery Solutions ; The original account agreement or lease, bearing my signature, that created the alleged obligation ; A detailed account ledger showing the complete payment history, fees, interest charges, and balance adjustments from account inception to the present ; A validation notice pursuant to XXXX U.S.C. XXXX, including the name and address of the original creditor and itemized breakdown of the {$10000.00} amount ; Any notices of assignment or sale, as required by federal and state law, informing me of the transfer of ownership or collection rights ; All disclosures and documents required under TILA ( XXXX U.S.C. XXXX ) if the alleged debt involved a consumer credit transaction, including the right of rescission notice ; Evidence that Rent Recovery Solutions has the legal authority to collect on this account and report it to consumer reporting agencies, particularly in light of the fact that it is not the original creditor. 

Failure to Comply and Legal Consequences Failure to provide the requested documentation may constitute violations of : The Fair Credit Reporting Act ( XXXX U.S.C. XXXX, XXXX, XXXX ), The Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX, XXXX ), The Truth in Lending Act ( XXXX U.S.C. XXXX ), And potentially relevant state laws governing notice and debt sales. 

Under XXXX U.S.C. XXXX, XXXX, and XXXX, noncompliance may result in liability for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and reasonable attorneys fees and costs. 

Preservation of Evidence You are hereby instructed to preserve all documents, data, and records relating to this account, including : All communications, Internal notes, Account servicing records, Electronic data, And correspondence with third parties or consumer reporting agencies. 

Any destruction or alteration of evidence will be treated as spoliation and addressed accordingly. 

Conclusion Please send all requested documentation to the mailing address listed above. If you fail to respond or provide sufficient legal validation, I am fully prepared to escalate this matter, including by filing complaints with the Consumer Financial Protection Bureau ( XXXX  ), Federal Trade Commission ( XXXX  ), my state Attorney Generals office, and initiating civil litigation as necessary. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation