Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am filing this complaint as a formal escalation regarding Aldous & Associates failure to validate an alleged debt after my prior CFPB complaint and their continued reporting and collection activity without providing competent supporting documentation. ACCOUNT AT ISSUE : Aldous & Associates Account Number : XXXX Original Creditor : Blink Fitness Reported Balance : {$150.00} Status Reported : Collection Account PRIOR CFPB COMPLAINT HISTORY Complaint # : XXXX Filed : XX/XX/year> In my prior complaint, I specifically requested validation and documentation supporting this alleged debt. I requested : Signed membership agreement or contract Complete billing ledger Itemized accounting of charges Proof of assignment or collection authority Documentation establishing legal enforceability of the debt To date, this documentation has still not been provided. FAILURE TO VALIDATE THE ALLEGED DEBT Aldous & Associates continues reporting and attempting to collect this alleged debt without providing competent supporting documentation proving : I legally owe this debt The amount being reported is accurate Aldous & Associates has lawful authority to collect Proper assignment exists from Blink Fitness A legally enforceable contractual obligation exists Without this documentation, the debt can not be properly validated. FAILURE TO PROVIDE SUBSTANTIVE RESPONSE THROUGH CFPB This dispute was submitted through the CFPB portal. However, Aldous & Associates failed to provide substantive investigative findings and supporting documentation directly within the CFPB response process. No signed agreement, billing records, assignment documentation, or itemized accounting has been produced. A generic procedural response or statement that the account was reviewed is insufficient. CONTINUED REPORTING WITHOUT VERIFICATION Despite the lack of documentation, the account continues reporting as a collection account and continues damaging my credit profile. Collection reporting should not continue where : No signed contract exists No billing ledger has been provided No proof of assignment exists No lawful collection authority has been established FDCPA VALIDATION CONCERNS Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must be able to validate a disputed debt. Aldous & Associates has failed to provide : Original signed membership agreement ( This is a must ) Complete itemized billing statements Payment history Chain of assignment documentation Proof of lawful collection authority Without this information, continued collection activity and credit reporting are improper. FCRA VIOLATIONS FCRA 1681s-2 ( b ) Failure to properly investigate disputed information. FCRA 1681e ( b ) Continued furnishing of potentially inaccurate and unverifiable information. FCRA 1681i Failure to conduct a lawful and reasonable investigation. BURDEN OF PROOF The burden rests with : Aldous & Associates The credit reporting agencies to prove : Ownership of the debt Accuracy of the balance Legal authority to collect Existence of a lawful contractual obligation I am not required to prove that the alleged debt is invalid.

Company response to consumer: Closed with explanation