Consumer complaint received 2025-05-02 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: WI

Complaint narrative:
Re : Demand for Chain of Assignment and Account-Level Documentation Under FCRA Account Number : XXXX Last Reported : XX/XX/XXXX Reported Balance : {$18000.00} Dear Sir or Madam, I am writing to formally request the chain of assignment and complete account-level documentation regarding the above-referenced account, which RENTRECOVERYSOLUTIONS XXXX is reporting on my credit file as a collection account with a balance of {$18000.00}, last reported on XX/XX/XXXX. 

This demand is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681g ( a ) ( 1 ), which entitle me to all information in my consumer file, including the sources of that information. The FCRA also requires that any data reported be accurate, complete, and verifiable.

Additionally, 15 U.S.C. 1681s-2 ( b ) obligates furnishers like RENTRECOVERYSOLUTIONS to conduct a reasonable investigation upon receiving notice of a dispute and to correct or delete inaccurate or unverifiable information.

To date, I have not received sufficient documentation demonstrating that RENTRECOVERYSOLUTIONS has the legal right to report or collect this alleged debt. I am therefore requesting the following : The complete chain of assignment, including all bills of sale, assignments, or other documents demonstrating transfer of ownership from the original creditor to RENTRECOVERYSOLUTIONS ; The original contract or lease agreement bearing my signature ; A complete and itemized payment history for the account ; Copies of all notices of assignment sent to me as required under state and federal law.

Unlawful Reporting and Lack of Contract Under the Fair Credit Reporting Act and established consumer protection principles, it is unlawful for a debt collector to report a debt that did not originate from the original creditor or that lacks a direct contract with the consumer. See FTC v. Check Investors, Inc., 502 F.3d 159 ( 3d Cir. 2007 ), affirming that misrepresenting authority or legal standing in debt collection or reporting constitutes a deceptive act.

If RENTRECOVERYSOLUTIONS does not have a contractual relationship with me, and has no original creditor agreement bearing my signature, it is illegal under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ) to continue reporting this account. Reporting unverifiable or improperly assigned debt constitutes a false, deceptive, and misleading representation, in violation of 15 U.S.C. 1692e.

Demand for Documentation You must provide the following within 30 days of receipt of this letter : A verified and complete chain of assignment from the original creditor to RENTRECOVERYSOLUTIONS ; A copy of the original contract establishing the alleged debt ; A detailed account ledger showing all charges, credits, fees, and payments ; Documentation showing that I was notified of any assignment or transfer ; Evidence substantiating the accuracy of the reported balance of {$18000.00} and the date of last report ( XX/XX/XXXX ). 

Failure to provide the requested documentation may constitute a violation of the FCRA, exposing RENTRECOVERYSOLUTIONS to civil liability for actual damages, statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o. Continued reporting of inaccurate or unverified information may also constitute a violation of the FDCPA, particularly 1692e and 1692f, which prohibit deceptive and unfair practices.

Preservation of Evidence RENTRECOVERYSOLUTIONS is hereby instructed to preserve all communications, records, and documentation pertaining to this account, including internal notes, emails, data transmissions, and correspondence with credit reporting agencies. Any destruction of evidence may be construed as spoliation and subject to legal consequences.

Please send all responsive documents to the mailing address listed above. Should you fail to comply with this demand, I am fully prepared to pursue my rights through all available legal avenues, including litigation.

Govern yourselves accordingly.

Company response to consumer: Closed with explanation