Yes. Under the Fair Credit Reporting Act, original creditors have the right to report accurate debt information to consumer reporting agencies. As the landlord, you are the original creditor.

Is Debtpin a collection agency?

No. Debtpin is a technology platform that enables original creditors to report directly to credit bureaus. We never contact the debtor. We never collect money. We never send notices.

What documentation do I need?

A signed lease agreement. Our system verifies that the tenant name, property address, rent amount, and lease dates match what you provide. You can also upload a rent ledger or payment history to strengthen your report, but it is not required.

What if the tenant disputes?

We investigate all disputes within the 30 day window required by the FCRA. We review your documentation, contact you if additional verification is needed, and either verify or remove the tradeline. You are notified of the outcome.

What happens after I file?

Your report is submitted to all three bureaus within 30 to 45 days and updated monthly. Active maintenance is included at $2/month starting after your first 90 days. This covers ongoing monthly reporting to all three bureaus and dispute investigation if the tenant challenges the report. You can cancel anytime from your dashboard.

Which credit bureaus?

All three. Equifax, Experian, and TransUnion.

Do I need the tenant's Social Security number?

No, but providing the last four digits improves credit file matching accuracy. Full legal name, date of birth, and last known address are sufficient.

Can I report a current tenant?

Yes. Debtpin offers full-file rent reporting for current tenants. On-time payments are reported as current. If a tenant falls behind, the status updates after you confirm. $99 to enroll. Same price as reporting a former tenant.

Does the tenant need to consent?

Federal law does not require tenant consent for a landlord to report rent payment data to credit bureaus. However, we recommend including a rent reporting clause in your lease. Debtpin provides a template clause you can use.

What happens if my current tenant goes late?

You flag the missed payment in your dashboard. We confirm with you multiple times over the following weeks before any late payment is reported to the bureaus. No late payment is ever reported based on a single click.

What if the tenant pays after I report?

Log into your dashboard and mark the debt as resolved. We update all three bureaus on the next reporting cycle.

Dispute Information Reported by Debtpin

Name: Debtpin Rent Reporting
Brand: Debtpin
Price: 99.00 USD

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any information reported to a consumer reporting agency that you believe is inaccurate, incomplete, or unverifiable. If Debtpin has reported information about you, you may submit a dispute using the form below, by email at disputes@debtpin.com, or by mail to Debtpin LLC, PO Box 42177, Philadelphia, PA 19101.

We will investigate your dispute within 30 days of receipt. If you provide additional relevant information after your initial submission, the investigation window may extend to 45 days. You will be notified of the outcome in writing.

Your Rights

You have the right to dispute inaccurate or incomplete information.

You have the right to submit supporting documentation with your dispute.

You have the right to receive the results of our investigation.

If we find the reported information is inaccurate or unverifiable, we will correct or delete it and notify all credit bureaus that received the original report.

You may also file a dispute directly with Equifax, Experian, or TransUnion.

Your Information

Full legal name *

Date of birth *

Last four of SSN

Optional. Providing this improves our ability to locate your file.

Current mailing address *

City *

State *

ZIP *

Email address *

Phone number

Account Information

Property address associated with the dispute *

The rental property address that appears on the reported tradeline.

City *

State *

ZIP *

Landlord or property manager name, if known

Approximate start of tenancy

Approximate end of tenancy

Dispute Details

How did you learn about this tradeline? *

What are you disputing? *

Describe the dispute in detail *

Please explain specifically what information is inaccurate and what the correct information should be.

Upload supporting documents

You may upload documents that support your dispute, such as cancelled checks, bank statements, court records, a lease agreement, or correspondence with your landlord. Providing documentation strengthens your dispute.

PDF, JPG, or PNG. Max 10MB per file. Up to 5 files.

Choose files

Certification

I certify that I am the consumer identified above, or that I am legally authorized to act on behalf of the consumer identified above. I certify that the information I have provided in this dispute is true and accurate to the best of my knowledge.