Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #8151177
Complaint Overview
Complaint ID: 8151177
Company: Randolph-Brooks Federal Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 761XX
Date Received: 2024-01-11T12:00:00-05:00
Date Sent to Company: 2024-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
RANDOLPH BROOK FED CR, please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX of XXXX This account and debt should have been ceased as of XXXX Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I noticed that the date of last payment and date last active says XXXX, which is incorrect, and I have all documents to prove otherwise. The account is due to be removed from my credit report in XXXX I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, and I expect the following account to be deleted from my credit report within 7 days : RANDOLPH BROOK FED XXXX.
Frequently Asked Questions
What is Complaint #8151177 about?
Complaint #8151177 was filed against Randolph-Brooks Federal Credit Union regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-01-11T12:00:00-05:00.
How did Randolph-Brooks Federal Credit Union 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 Randolph-Brooks Federal Credit Union?
Yes, visit the Randolph-Brooks Federal Credit Union company profile at readthecomplaint.com/company/randolph-brooks-federal-credit-union 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.