Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8661661
Complaint Overview
Complaint ID: 8661661
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: Oklahoma
ZIP Code: 741XX
Date Received: 2024-03-30T12:00:00-05:00
Date Sent to Company: 2024-03-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I hereby submit this correspondence to dispute the accuracy of the collection account reported by Aldous and Associates on my credit report, and to demand a cease and desist regarding the same. The account details are as follows : * Reported Date XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} * Overview : Needs Attention. You have 100 % left to pay on this collection. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open * Type : Derogatory * Responsibility : Individual * Remarks : Account information disputed by consumer, meets FCRA requirements I assert that the reporting of this collection account violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : * Inaccurate Reporting : The reported balance and account status do not accurately reflect the true state of the account, contravening FCRA 623 ( a ) ( 1 ) ( A ). * Failure to Investigate Dispute : Aldous and Associates has neglected to conduct a reasonable investigation into my dispute, as mandated by FCRA 611 ( a ) ( 1 ) ( A ). * Failure to Report Accurate Information : Aldous and Associates has inaccurately reported information regarding the original creditor, in violation of FCRA 623 ( a ) ( 1 ) ( C ). Furthermore, pursuant to the statute of limitations for creditors to report a collection account in the state of Oklahoma, which typically spans 5 years, any collection account exceeding this timeframe is deemed time-barred and should not be reported on my credit report. Thus, the reporting of this account constitutes an additional infringement of my FCRA rights. Moreover, I hold XXXX accountable for allowing this account to persist on my credit report beyond the statute of limitations, thereby further breaching the FCRA. Should this dispute not result in the deletion of the aforementioned collection account, I will be compelled to escalate this matter to the Attorney General of the state for the violation of my FCRA rights. I demand that the Consumer Financial Protection Bureau conduct a comprehensive investigation into this matter and ensure that Aldous and Associates and XXXX rectify the inaccuracies and expunge the collection account from my credit report. Additionally, I request written confirmation of the investigation 's conclusion and the subsequent corrections made to my credit report. Please consider this as a formal dispute and demand for a cease and desist regarding the inaccurate reporting of this collection account. Thank you for your attention to this matter.
Frequently Asked Questions
What is Complaint #8661661 about?
Complaint #8661661 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 2024-03-30T12:00:00-05:00.
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.