Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
b'XXXX XXXX\n[XXXX XXXX XXXX XXXX XXXX]\n[XXXX XXXX,CA XXXX]\n[XXXX]\n[XXXX XXXX XXXX]\n\nDate: XXXX]\n\nTo Whom It May Concern,\n\nSubject: Formal Dispute and Cease and Desist Notice Regarding Fraudulent Account  XXXX Report (As of XXXXXXXX)  ALDOUS / XXXX XXXX XXXX\n\nThis letter serves as my formal disputes and cease and desist notice concerning a fraudulent account listed on my XXXX credit report under the name ALDOUS / XXXX XXXX XXXX, account number ending in XXXX This account is not mine. I did not authorize, open, or initiate any relationship with this entity. I am the victim of identity theft.\n\nDespite multiple written disputes submitted in good faith, this account remains on my credit report. I am now demanding immediate deletion of this fraudulent tradeline pursuant to federal law under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Continuing to report this inaccurate and unauthorized account violates the following laws:\n\n\n\n15 U.S. Code  1692e  False or Misleading Representations\nIt is illegal under federal law to falsely represent the character, amount, or legal status of any debt. Reporting a debt that I did not create or authorize constitutes a willful misrepresentation. Maintaining it on my report after notice of identity theft is not only negligent, it is a direct violation of my federal consumer rights.\n\n15 U.S. Code  1681s-2(a)(1)(A)  Duty of Furnishers to Provide Accurate Information\nThe continued furnishing of false or inaccurate information to a credit bureau, after being notified of the dispute, is a breach of legal duty.\n\n15 U.S. Code  1681c-2  Block of Information Resulting from Identity Theft\nUpon receiving notice of identity theft, the credit bureau and furnisher are required to block and remove the fraudulent information from my file.\n\n\n\nI Demand the Following:\n\t1.\tImmediate deletion of the fraudulent account (ALDOUS / XXXX XXXX XXXX) from all consumer reporting agencies.\n\t2.\tA formal written confirmation that the tradeline has been permanently removed from my file.\n\t3.\tCease and desist all communication regarding this account from ALDOUS, XXXX XXXX XXXX or any third-party collection agency.\n\nCease and Desist Demand\n\nYou are hereby notified, under 15 U.S. Code  1692c(c), to immediately CEASE AND DESIST all further contact with me concerning this fraudulent account. Any further attempts to collect on this debt, or reporting this item to any credit bureau, will be considered willful noncompliance with federal law and may result in legal action.\n\nI have never had any business relationship with XXXX XXXX XXXX I did not sign any contract, nor did I authorize any charges, use, or enrollment. This is an instance of identity theft, and I will not rest until this account is fully removed.\n\nI demand immediate action. Failure to comply will result in my filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the Office of the Attorney General. I will also pursue all available legal remedies under the FCRA and FDCPA, including statutory damages, attorneys fees, and costs.\n\nThis is your final notice. Remove the account and confirm in writing within 15 calendar days of the date of this letter.\n\nSincerely,\nXXXX XXXX

Company response to consumer: Closed with explanation