Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: MD

Complaint narrative:
I am submitting this complaint regarding the debt collection practices of RentDebt Automated Collections , LLC ( RDAC ). RDAC has violated my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These violations have caused me significant stress and damage to my financial standing.

Background and Violations : Failure to Validate Debt : RDAC placed a debt collection account in my name, associated with account number XXXX, without validating the debt, as is required under 15 U.S.C. 1692g. Despite my requests, RDAC has failed to provide verification of the debt or confirm its accuracy.

Inaccurate Reporting to Credit Bureaus : RDAC reported this unverified debt to the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) on XX/XX/2024. This reporting of inaccurate and unvalidated information violated 15 U.S.C. 1681s-2 ( a ) under the FCRA. As a result, my credit score has been negatively impacted by RDACs failure to ensure the information was complete and accurate.

Harassment Through Repeated Phone Calls : RDAC has made repeated calls to me regarding this debt. Representatives claimed to be associated with XXXX XXXX and, on multiple occasions, called without fully disclosing their identities. These repeated phone calls were harassing and intended to pressure me into paying a debt that RDAC has not validated. This is a direct violation of 15 U.S.C. 1692d, which prohibits such harassing practices.

Violation of My Privacy Rights : RDAC representatives contacted me directly despite my request that all communications be directed through my attorney, in accordance with 15 U.S.C. 1692c. This was a clear infringeme
nt of my privacy and disregard for my right to involve legal representation in such matters.

Lack of Adequate Notice : RDAC claimed that they sent an initial letter with notice of validation rights on XX/XX/2024. I did not receive this letter, and RDAC has not provided any further notice or documentation to confirm that this notice was indeed sent or delivered. 

Actions Taken on My Part : On XX/XX/2024, I sent a formal letter to RDAC disputing the debt and requesting verification of the debt under 15 U.S.C. 1692g. I also requested that RDAC cease all collection efforts until this verification was provided. 
On XX/XX/2024, after receiving no satisfactory response, I sent a demand letter to RDAC, reiterating my rights under the FDCPA and FCRA, detailing the ongoing violations, and requesting compensation for damages caused by their actions.

RDACs continued failure to validate this debt, combined with their inaccurate reporting and harassment, has created undue stress, damaged my credit, and resulted in financial loss due to the lowered credit score. I am seeking compensation to address these damages and to have RDAC correct the reporting on my credit profile. 

Thank you for your assistance in investigating these violations and helping me reach a fair resolution.

Company response to consumer: Closed with explanation