Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (UT)

To Whom It May Concern, I am writing to dispute and continue contact in regards to a collections account that you have placed on my credit report. I contacted an individual in your office who went by the name of XXXX ( spelling unknown ). I informed her that I was unaware of a collection against me and that I learned of the collection account against me after pulling a credit report to obtain a mortgage pre-approval. I told her I would be happy to pay today if we could remove that account from my credit report. She informed me that you do not accept pay to delete. She also proceeded to inform me that we had talked in XXXX and I had disputed the account then. 
So here arises my questions. If it was a disputed account in XXXX, why did I not receive any further contact from you? No verification of the debt, no additional attempts to collect the debt. At this point in time I am not interested in who owes who and how much, I am strictly interested in correcting an issue on a credit report that should not be there due to your poor practices. Again, I am asking that we settle this issue in the most simple way possible which is to pay a debt that you claim I owe ( but have never verified, and I dispute ) and you correct a collection account on a credit report that should not be there because it was disputed and you failed to follow through with adequate verification of the debts. 
Please note that I never requested ceased communication in accordance with section 805 of the FTC ( 15 USC 1962d ). 
Also the validation of debts under section 809 of the FTC ( 15 USC 1692h ) paragraph ( a ) ( 1 ) states, a statement that if the consumer notifies the debt collector in writing with the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collector ; and I made the dispute over the phone and was never informed that I must write in to obtain this verification and to what address I must make that dispute. 
You also failed to notify the credit bureau of the dispute ( therefore failure to contact me based on the debt being disputed is null and void ) and I had to file that personally. That is in violation of section 807 of the FTC ( 15 USC 1692f ) paragraph ( 8 ).

Finally, section 813 of the FTC ( 15 USC 1692I ) identifies the damages that you can be held liable to for failure to furnish the adequate information and communication in regards to the collection of this debt. 
So I am asking that we settle this out of court for the amount originally due to simplify the process of the dispute, and that the incorrect collections account be removed from my credit report as required by law. If this isnt satisfactory to you we can continue with the dispute of the debts and the fact that you have failed to provide adequate communication and verification of the debt in question.