RentDebt Automated Collections: What to Do If They Contact You

RentDebt Automated Collections, LLC (RDAC) has collected rental debt exclusively since 2005. If their name appears on your credit report, the underlying account is almost certainly an unpaid rent balance, move-out charge, storage unit fee, or student housing debt.

A 2014 federal case involved RDAC collecting on a debt that arose from a wrongful eviction, with collection notices that failed to include the consumer’s right to dispute, the original creditor’s name, or any supporting documentation. This guide covers who RDAC is, their documented patterns, and how to respond.

Who Is RentDebt Automated Collections?

RentDebt Automated Collections, LLC is a third-party debt collection agency founded in 2005 and headquartered in Nashville, Tennessee. They specialize exclusively in multifamily and single-family rental collections and are licensed nationally.

RDAC collects for apartment communities, student housing properties, and storage facilities. The CFPB has recorded 21 complaints against RDAC since April 2015. The BBB has closed 16 complaints in a three-year period. Two federal PACER cases name RDAC as a defendant. Documented FDCPA violation categories include making false statements and attempting to collect debts not owed.

The 2014 Arkansas Federal Case: Collecting After a Wrongful Eviction

In September 2014, a federal court addressed a case in the Eastern District of Arkansas involving RDAC. The plaintiffs had moved into an apartment and were served an eviction notice two months later. They were locked out of the unit in August 2013. A wrongful eviction lawsuit followed against the property management company.

RDAC was hired to collect alleged delinquent rent arising from that same eviction. Their collection notices violated FDCPA Section 809 on three counts: the notices failed to state that the consumers had the right to dispute the debt, failed to include verification or a copy of any judgment, and failed to provide the name and address of the original creditor.

If you were involved in an eviction dispute and RDAC is now collecting on the resulting balance, request that they provide full documentation of the original creditor, the basis for the balance, and written confirmation of your right to dispute before engaging further.

Reporting Debt Without Prior Notification

A documented complaint pattern against RDAC involves reporting accounts to credit bureaus before consumers receive any prior notice or collection communication. Under FDCPA Section 1692g, RDAC must send a written validation notice within five days of first contact. Reporting to bureaus before that notice has been received is a documented RDAC complaint pattern.

A specific CFPB complaint documents RDAC reporting a $4,100 balance the consumer said was attributed to the wrong party entirely. The consumer stated they had a contract with the original landlord and not with RDAC, and that the debt did not belong to them.

Lease Agreements as Validation

BBB complaint responses from RDAC show a consistent pattern of providing signed lease agreements and final account statements as their validation documentation. A signed lease confirms you rented the property. It does not, by itself, confirm the specific charges that make up the claimed balance.

If RDAC sends you a lease agreement in response to a validation request, follow up specifically requesting an itemized move-out statement showing each individual charge, how each charge was calculated, and the name and address of the original creditor that referred the account.

What RDAC Cannot Do Under Federal Law

Based on their documented case and complaint record:

• Omit the consumer’s right to dispute from collection notices: The 2014 Arkansas case found RDAC’s collection notices failed to include this required disclosure under FDCPA Section 809.
• Omit the original creditor’s name and address from collection notices: A second Section 809 violation found in the same case.
• Report accounts to credit bureaus before sending written notice to the consumer: A documented complaint pattern. The validation notice must precede or accompany any bureau reporting.
• Attempt to collect debts not owed or attributed to the wrong party: A documented CFPB and FDCPA complaint category against RDAC.
• Continue collecting after a written dispute without providing itemized verification: A lease agreement alone does not satisfy the verification requirement if the consumer disputes the specific charges.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. Request the original property management company’s name and address, an itemized move-out statement listing each individual charge, the date each charge was assessed, and documentation that RDAC is authorized to collect on behalf of that specific property.

Compare every charge against your move-out documentation, your lease terms, and any written communication from the property at the time you vacated.

How to Check Your Credit Report for RDAC Entries

Search all three credit reports for “RentDebt” and “RDAC.” Confirm the original property is identified as the creditor and the balance matches what the property provided in writing at move-out. If you were involved in an eviction dispute, the validity of the underlying debt is directly questionable and worth contesting with documentation of the eviction proceedings.

Tennessee has a 6-year statute of limitations on written contracts. The relevant statute is typically the state where you reside.

Your Options for Resolving an RDAC Account

• Request an itemized move-out statement, not just a lease: RDAC’s documented validation response relies on lease agreements. You are entitled to an itemized breakdown of every specific charge before paying.
• Document the eviction timeline if applicable: The Arkansas case shows RDAC collected on a wrongfully evicted tenant’s balance. If your move-out was disputed or involuntary, the underlying debt may not be valid.
• Dispute bureau entries reported before you received written notice: If RDAC reported to the bureaus before sending you a validation letter, the reporting sequence itself is disputable under the FDCPA.
• Request the original creditor’s name and address in writing: The 2014 case found RDAC omitted this required disclosure. Confirming which specific property management entity referred the debt is essential before paying.

How to Contact RentDebt Automated Collections

• Address: RentDebt Automated Collections, LLC, 2802 Opryland Drive, Nashville, TN 37214
• Phone: (866) 376-7834 or (800) 467-2316

Bottom Line

RentDebt Automated Collections collects exclusively for rental properties and has a documented 2014 federal case showing collection notices that omitted the consumer’s right to dispute, the original creditor’s information, and any supporting debt documentation.

Before paying anything RDAC claims, request an itemized move-out statement and confirm the original property management company authorized the collection. If you were evicted under disputed circumstances, the underlying debt requires additional scrutiny before it should be paid or acknowledged.