Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6757892
Complaint Overview
Complaint ID: 6757892
Company: Rent Recovery Solutions
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Nebraska
ZIP Code: 68521
Date Received: 2023-03-27T12:00:00-05:00
Date Sent to Company: 2023-03-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My Fianc and I were both named on an illegal collection attempt by Rent Recovery Solutions on behalf of XXXX XXXX. This is an attempt to collect an invalid debt, originally requested by XXXXXXXX XXXX ( Not XXXX XXXX, as reported on our credit reports ) in the amount of {$570.00} for various fees and alleged damages to a rental unit. As is standard by Nebraska Tenant Law, specifically Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421. We had paid a {$500.00} Pet Fee ( non-refundable ) and a {$500.00} security deposit for this apartment. The {$570.00} was claimed owed in excess of the security deposit. No receipts were ever provided by the original leasor after repeated attempts to get this information from XXXX XXXX. According to Nebraska Law, money withheld from rent and security must be applied to the amount of damages the Landlord suffered, but no proof of such suffering was ever provided, as was our legal right. This has already been removed from both of our XXXX reports, my fianc 's XXXX Report ( Mine is still under review, but it is the same debt and the same justification ), but yet, XXXX has deemed that the debt is valid, despite the illegalities stated above with the debt collection itself and the original justification for the debt. This debt is not legal, this debt is not valid under Nebraska Law. If it was valid, they would have simply taken us to court for the sum. Instead, they threaten our credit and submit our debt to XXXX AFTER our disputes with XXXX and XXXX were opened, in a clear case of retaliation. If two credit unions ( XXXX and XXXX ) have already deemed this justification sufficient and removed the accounts from the credit reports, why then does XXXX see differently? No justification was provided from Rent Recovery Solutions at any point when we requested, via certified mail, documentation for proof of debt. Rent Recovery Solutions responded to this request but failed to provide ANY documentation. We have a legal right to obtain such documentation. They have continually failed to submit accurate information ( in the case of the original alleged debtor name, XXXX XXXX not XXXX XXXX ), have not obeyed the Fair Debt Collection Practices Act by failing to provide us with the documentation and proof of debt requested. This debt is not legal under Nebraska Law and they have failed to follow the law in regards to the information we have requested.
Frequently Asked Questions
What is Complaint #6757892 about?
Complaint #6757892 was filed against Rent Recovery Solutions regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-03-27T12:00:00-05:00.
How did Rent Recovery Solutions respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Rent Recovery Solutions?
Yes, visit the Rent Recovery Solutions company profile at readthecomplaint.com/company/rent-recovery-solutions to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.