Updated on February 19th, 2025 Author: stopcollections | Editor: stopcollections

Consumer Complaints Against RentDebt Automated Collections

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

The Consumer Financial Protection Bureau (CFPB) collects complaints from individuals dealing with various financial issues, including debt collection. RentDebt Automated Collections, LLC, has been named in several such complaints for potentially unlawful debt collection practices. This article aims to educate consumers about these complaints and provide guidance on legal recourse under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).

Key Complaints Reported by Consumers 

1. Failure to Provide Validation Information

Consumers have reported that RentDebt Automated Collections often fails to provide proper debt validation when requested. The FDCPA requires debt collectors to provide written validation of the debt within five days of initial contact, including details like the amount owed and the original creditor’s name. Without this validation, consumers are unable to confirm the legitimacy of the debt, which can lead to undue stress and credit issues.

What You Can Do:

• Submit a written request for debt validation within 30 days of being contacted.
• Keep all communication in writing to maintain a paper trail.
• File a complaint with the CFPB if the agency fails to validate your debt.

If you’re unsure how to handle this situation, consult a legal expert for guidance.

2. Unauthorized Debt Collection Attempts

Many consumers have complained about RentDebt pursuing debts without prior notification or supporting documentation, often leaving them blindsided by sudden collections or credit report notations. Such practices may violate FDCPA rules requiring transparency in debt collection processes.

What You Can Do:

• Request a debt validation letter immediately to confirm the legitimacy of the claim.
• Dispute unauthorized collections in writing with both the collector and the credit bureaus.
• Report unauthorized attempts to the FTC or the CFPB.

Consider seeking legal advice to understand your full rights and potential courses of action.

3. Inaccurate Reporting to Credit Bureaus

Consumers have flagged numerous errors in credit reporting related to RentDebt, including incorrect balances and outdated information. These inaccuracies can severely impact credit scores, affecting loan approvals, housing applications, and more. Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports.

What You Can Do:

• Request a free credit report from AnnualCreditReport.com and review it for errors.
• Dispute inaccuracies directly with the credit bureaus in writing.
• File a complaint with the CFPB if the inaccuracies are not resolved.

Legal experts can help ensure that your disputes are properly handled and documented.

4. Improper Communication Tactics and Harassment

RentDebt has been accused of aggressive and harassing communication tactics, such as repeated calls even after consumers request them to stop. These actions violate the FDCPA, which prohibits harassment, including calling during inconvenient times or using abusive language.

What You Can Do:

• Request in writing that the agency ceases further contact.
• Document all communication, including call logs and letters.
• Report violations to the FTC, the CFPB, or your state attorney general’s office.

For persistent harassment, consult a legal professional to understand your options for filing a lawsuit under the FDCPA.

5. Denial of the Opportunity to Dispute Debt

Several consumers reported that they were not given the chance to dispute debts before they were reported to credit bureaus. The right to dispute a debt before it is reported is protected under the FDCPA and FCRA. Denying this opportunity can harm a consumer’s creditworthiness and financial well-being.

What You Can Do:

• Send a written dispute letter to the debt collector within 30 days.
• Notify the credit bureaus of disputed debts to prevent inaccurate reporting.
• File a complaint with the CFPB if your rights are violated.

Seeking legal assistance can be vital to asserting your rights and correcting any unjust credit reporting.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with RentDebt Automated Collections, it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

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