Debt collection -- False statements or representation -- Complaint #10987664
Complaint Overview
Complaint ID: 10987664
Company: Rhodes, Kelly Assoc INC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: North Carolina
ZIP Code: 28147
Date Received: 2024-12-01T12:00:00-05:00
Date Sent to Company: 2024-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter. XXXX. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated. XXXX. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law. XXXX. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to. XXXX. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations. Requested Resolution : XXXX. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report. XXXX. Please provide me with purchase agreement verifying the accuracy and legality of the information in question, as required by federal law. XXXX. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter. Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies. Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this matter. Sincerely XXXX XXXX
Frequently Asked Questions
What is Complaint #10987664 about?
Complaint #10987664 was filed against Rhodes, Kelly Assoc INC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-12-01T12:00:00-05:00.
How did Rhodes, Kelly Assoc INC 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Rhodes, Kelly Assoc INC?
Yes, visit the Rhodes, Kelly Assoc INC company profile at readthecomplaint.com/company/rhodes-kelly-assoc-inc 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.