Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
XX/XX/XXXXHere's the updated CFPB complaint letterXX/XX/XXXXCONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT\nSubject: Fraudulent Debt Collection and Credit Reporting Violations\nCompany: RentDebt Automated Collections, LLCXX/XX/XXXXDate Issue Discovered: Today - [Insert Today's Date]\nWhat Happened:\nI discovered TODAY that RentDebt Automated Collections has illegally reported a fraudulent XX/XX/XXXXdebt to my credit report. They violated multiple provisions of the FDCPA and FCRA by damaging my credit without ANY attempt to contact me or validate this alleged debt.\nCOMPLETE LACK OF REQUIRED COMMUNICATION:\n\nNo Debt Validation Notice Ever Sent (FDCPA Violation)\n\nZERO emails ever received from RentDebt about this alleged debt\nEmail records show NO communication from XX/XX/XXXX since XX/XX/XXXXNO text messages sent to my phone number on fileXX/XX/XXXXNO letters mailed to my new forwarding address (which they had on fileXX/XX/XXXXNO phone calls attempted\nDiscovered this TODAY on my credit report - complete surpriseXX/XX/XXXXFirst Notice Was Today's Credit Report Discovery\n\nI was SHOCKED to find this on my credit report today\nMy credit score has been damaged without any prior notice\nThis violates FDCPA Section 809 requiring written notice within 5 days of collection activityXX/XX/XXXXDEBT IS COMPLETELY FRAUDULENTXX/XX/XXXXPerfect Payment HistorXX/XX/XXXXI ALWAYS paid rent ON TIME, EVERY MONTHXX/XX/XXXXnAll payments made through XX/XX/XXXX online portal\nNever missed a payment, never paid late\nHave bank records confirming every payment processed on time\n\n\nProperty Confirmed XX/XX/XXXXIN PERSON to pick up a package\nWhile there, specifically asked about my account status\nStaff confirmed I owed NOTHING\nWas NOT told about any balance whatsoever\n\n\n\nSPECIFIC VIOLATIONS:\nFDCPA Violations:\n\nSection 809(a): Failed to send written validation notice within 5 days\nSection 807: False/deceptive representation of debt that doesn't exist\nSection 805: Failed to communicate before credit reporting\n\nFCRA Violations:\n\nSection 623: Furnished false information to credit bureaus\nFailed to verify accuracy before reporting\nReported unvalidated debt causing credit damage\n\nTIMELINE:\n\nEntire tenancy: ALWAYS paid rent ON TIME\XX/XX/XXXX: Last email from XX/XX/XXXXno mention of any debt)\XX/XX/XXXXVisited property in person, told balance was XX/XX/XXXXnToday: DISCOVERED fraudulent debt on credit report for first time\nBetween June and today: ZERO communication attempts\n\nHARM SUFFERED:\n\nDiscovered TODAY my credit score was significantly damaged\nCurrently applying for housing - this false debt could cause denial\nSpent entire day trying to resolve this fraudulent debt\nExtreme distress from discovering surprise credit damage\n\nRESOLUTION REQUESTED:\n\nIMMEDIATE removal of this fraudulent tradeline from all three credit bureaus TODAY\nEmergency investigation into RentDebt's practice of reporting without communication\nMonetary compensation for credit damage discovered today\nWritten confirmation that this debt is permanently deleted\nPenalty against RentDebt for systematic FDCPA violations\n\nCRITICAL FACTS:\n\nALWAYS paid rent ON TIME - perfect payment record\nProperty confirmed IN PERSON that I owe nothing\nZERO communication attempts before credit damage\nDiscovered this fraud TODAY while checking credit\n\nSUPPORTING DOCUMENTATION:\n\nScreenshot proving no emails from RentDebt or XX/XX/XXXX since XX/XX/XXXXBank statements showing ALL rent payments made ON TIME\nPhone records showing no incoming calls or texts\nXX/XX/XXXXcomplaint filed today\n\nURGENT REQUEST:\nThis is causing immediate harm as I discovered it TODAY. I always paid my rent on time and the property confirmed I owe nothing. RentDebt has committed blatant fraud by reporting a debt that doesn't exist without any attempt at communication.\nI need immediate CFPB intervention to remove this fraudulent debt that I just discovered today is destroying my credit.\n\nRegards\nXX/XX/XXXX

Company response to consumer: Closed with explanation