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.

Privacy Policy

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

Effective: March 30, 2026

Information We Collect

From landlords:

Name, email address, business name, property addresses, and tenant information including tenant name, date of birth, last four digits of Social Security Number, address, lease dates, rent amount, payment history, and amount owed.

From consumers (via disputes):

Name, date of birth, last four digits of Social Security Number, mailing address, email address, phone number, dispute details, and uploaded supporting documents.

Automatically:

IP address, browser type, device information, and usage data.

How We Use Information

To furnish rental payment data to consumer reporting agencies (Equifax, Experian, TransUnion) on behalf of landlords
To investigate consumer disputes as required by the Fair Credit Reporting Act
To send required notices, including negative information notices and dispute outcome notifications
To operate and improve the Debtpin platform
To communicate with landlords about their accounts
To comply with legal obligations

How We Share Information

With Equifax, Experian, and TransUnion. This is the core function of Debtpin. We transmit rental payment data to the three major consumer reporting agencies in Metro 2 format on behalf of landlords.

With landlords. In connection with dispute investigations, we may share the fact that a dispute was received and request verification of the reported data.

With service providers. We use third-party service providers to operate the platform, including Supabase (database and storage), Stripe (payment processing), and Vercel (hosting). These providers access data only as needed to perform their services.

As required by law. We may disclose information in response to court orders, subpoenas, or regulatory requests.

We do NOT:

Sell consumer information
Share consumer information for marketing purposes
Share consumer information with data brokers

Data Security

Social Security Number data is encrypted at rest and in transit. Access to consumer personally identifiable information is restricted to authorized personnel. We use industry-standard security measures including TLS encryption for all data in transit, AES-256 encryption at rest, role-based access controls, and row-level security policies on all database tables containing consumer data.

Data Retention

Lease documents, enrollment data, and reporting records: retained for the duration of the reporting period plus 7 years, consistent with the FCRA reporting window.
Dispute records: retained for 7 years from the resolution date.
Account data for cancelled accounts: retained for 7 years from cancellation.

Consumer Rights

Right to access: consumers may request a copy of information Debtpin has reported about them by contacting disputes@debtpin.com.
Right to dispute: see debtpin.com/disputes.
Right to request deletion of inaccurate information: handled through the dispute process.
California residents: under the California Consumer Privacy Act (CCPA), you have the right to know what personal information we collect, the right to request deletion, and the right to opt out of the sale of personal information. Debtpin does not sell personal information.

Children's Privacy

Debtpin does not knowingly collect information from individuals under 18.

Changes to This Policy

We may update this policy from time to time. We will post the updated policy on this page with a revised effective date.

Contact

For privacy-related questions: support@debtpin.com

For disputes about reported information: disputes@debtpin.com

By mail: Debtpin LLC, PO Box 42177, Philadelphia, PA 19101