Consumer complaint received 2018-07-03
Company: Aldous & Associates, PLLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/18 The company contacted me via phone regarding a debt, I advised the debt collection company to send documentation to verify the debt owed and further stated that no money would be sent until documentation was received.

On XX/XX/18 The company contacted me again via phone and I advised that no documentation had been received from there company. The company then agreed to send an email which I received on XX/XX/18 verifying the debt had been placed with their office for collections.

OnXX/XX/18 I contacted the XXXX XXXX membership company to investigate and attempt to resolve the debt directly with this company but was advised that it had been placed for collections and had to be resolved with the debt collection company.

On XX/XX/18 I contacted the debt collection agency to resolve the debt and made payment arrangements to avoid further collection activities. I arranged three payments of XXXX   arranged for the following dates XX/XX/18, XX/XX/18, and final payment XX/XX/18. The supervisor sent a written arrangement regarding the agreed payments to fully resolved the debt with their office and FURTHER AVOID COLLECTIONS to my email onXX/XX/17. ( please see attached documentation. ) On XX/XX/18 : XXXX ( EST ) I received an alert from my XXXX   credit report that the above referenced account had been reported derogatorily on my credit. I was immediately alarmed because I had never missed any of the agreed payments and was only eleven days away from making my final scheduled payment on XX/XX/18 from the initial agreement with the debt collection agency. ( Please see attached bank statements for XXXX  and XXXX  ).

OnXX/XX/18 : XXXX and XXXX ( EST ) ( Spoke with two different supervisors ) I immediately contacted the debt collection agency as soon as they opened since they were in UTAH in different time zone with a two hour difference. I then requested to speak with a supervisor, I had stated that this agreement had been reported on my credit report inaccurately because I kept the full agreement between myself and the debt collection company and had never defaulted on any of the agreed payments and actually had one final payment to make with them scheduled for XX/XX/18 which is eleven days away. As I demanded to know, why this had been reported, the supervisor then states that they are able to report the account to credit reporting agency after four months of being in there office. I then ask for a written policy that states this information. The supervisor then states that I have to send a written request to the XXXX XXXX address to request policies in writing. I then ask how could they report this to the credit reporting agency when this was an agreement that we made to stop collections activities and I had never defaulted on any of the agreed upon payments. ( Please see attached documents from my bank statements for XXXX and XXXX ). The supervisor stated that they could report this information even outside the agreement made with them. I advised the supervisor that they were violating my rights.XX/XX/18: XXXX  ( EST ) I then contacted an investigator at the consumer protection of Utah to advise that this debt collection agency had violated my rights as a consumer and had failed to keep a verbal and written agreement and consequently had reported inaccurate information to the credit reported agency. I was advised to contact the FTC and file a complaint regarding the collection tactics and improper reporting.XX/XX/18: XXXX ( EST ) I contacted the FTC to submit a complaint and inquire about the collection methods of this debt collection company. I was advised that this company could not report this information on my credit report when I had an agreement between the two of us which had not been violated. I was advised that I could file an electronic complaint and submit documentation.

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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation