Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #10776635
Complaint Overview
Complaint ID: 10776635
Company: Aldous & Associates, Pllc
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Indiana
ZIP Code: 47909
Date Received: 2024-11-12T12:00:00-05:00
Date Sent to Company: 2024-11-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a collection item listed on my credit report from XX/XX/XXXX, reported by Aldous and Associates, with XXXX XXXX XXXX as the original creditor, for a sum of {$XXXX}. As an international student planning to come to the United States, I signed a lease agreement with XXXX XXXX XXXX in good faith. However, due to XXXX border closures in XXXX, I was unable to enter the United States XXXX XXXX occupancy of the apartment as planned. I promptly informed XXXX XXXX XXXX of my inability to relocate due to these government-imposed travel restrictions, yet they held me responsible for the lease and are now claiming I owe {$XXXX}, despite the fact that I never physically occupied the apartment due to circumstances entirely beyond my control. When I resumed my studies in XXXX, I signed a new lease with XXXX XXXX XXXX, at which point the sum of {$XXXX} was showing on my account. I contacted management, and they agreed to remove this charge from my account since I was renewing the lease with them for the following year. However, unbeknownst to me, the debt had already been reported to my credit report as of XX/XX/XXXX, which I only discovered in XX/XX/XXXX. I have since disputed this inaccurate collection with all three major credit bureausXXXX XXXX, and XXXX my disputes were verified as accurate, and the collection remains on my credit report. This entry is damaging my XXXX XXXX and hindering my ability to secure housing and other financial resources as a student. I am requesting that Aldous and Associates remove this collection item from my credit report, as it is unfair and does not accurately reflect the circumstances. This debt should not have been reported, given that I could not fulfill the lease due to XXXX border closures, and XXXX XXXX XXXX XXXX XXXX agreed to remove the debt from my account. I have attached my correspondence with XXXX on this issue. Thank you for your assistance in resolving this matter.
Frequently Asked Questions
What is Complaint #10776635 about?
Complaint #10776635 was filed against Aldous & Associates, Pllc regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-11-12T12:00:00-05:00.
How did Aldous & Associates, Pllc 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 or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Aldous & Associates, Pllc?
Yes, visit the Aldous & Associates, Pllc company profile at readthecomplaint.com/company/aldous-associates-pllc 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.