Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
I am submitting this complaint against * * ALDOUS *,, for multiple alleged violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged balance of {$2800.00}, originally associated with * XXXX XXXX XXXX XXXX XXXX XXXX, on my consumer credit reports through XXXX XXXX XXXX XXXX. The account being reported is inaccurate, unverified, misleading, and/or beyond the legally allowable reporting period. On XXXX XXXX XXXX XXXX XXXX, I mailed a written * * Cease and Desist / Debt Validation Notice * * requesting that the company : 1. Cease all collection activity immediately ; 2. Provide complete written validation of the alleged debt ; 3. Remove the account from all consumer reporting agencies if the debt could not be lawfully verified. As of today, the company has : Failed to respond Failed to validate the debt Continued reporting inaccurate information Continued collection efforts Continued telephone communication Continued mailing collection notices # FEDERAL VIOLATIONS # # VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT # # # * ( FCRA 15 U.S.C. 1681s-2 ) * Despite receiving my written dispute, this company continues furnishing inaccurate and unverified information to the consumer reporting agencies. Under * * FCRA 15 U.S.C. 1681s-2 ( b ) * *, a furnisher of information is legally required to conduct a reasonable investigation and correct or delete information that can not be verified. The company has failed to comply with these federal obligations. # # VIOLATION 2 REPORTING TIME-BARRED / OBSOLETE DEBT # # # * ( FCRA 15 U.S.C. 1681c ( a ) ( 4 ) ) * The alleged debt appears to be beyond the applicable statute of limitations and/or outside the federally permitted 7-year reporting period. The Date of First Delinquency is : XXXX XXXX XXXX XXXX XXXX XXXX. Continuing to report or attempt collection on obsolete debt without proper disclosure constitutes deceptive conduct under * * FDCPA 15 U.S.C. 1692e * *. # # VIOLATION 3 FAILURE TO VALIDATE ALLEGED DEBT # # # * ( FDCPA 15 U.S.C. 1692g ) * This company has failed to provide legally sufficient debt validation. Proper validation requires : * Original signed agreement or contract * Complete payment/account history * Proof of assignment or ownership of the debt * Proof of legal authority to collect within my state A generic account summary, collection notice, or internal computer printout does not satisfy federal validation requirements. # # VIOLATION 4 CONTINUED COLLECTION ACTIVITY AFTER WRITTEN DISPUTE # # # * ( FDCPA 15 U.S.C. 1692c ( c ) ) * After receiving my written Cease and Desist notice, this company continued the following activity : This conduct directly violates * * FDCPA 15 U.S.C. 1692c ( c ) * *, which requires a debt collector to cease communication and collection activity upon written request. # HARM SUFFERED As a direct result of this unlawful conduct, I have suffered the following damages : Damage to my credit score and consumer profile Denial of credit opportunities Housing denial Employment-related harm Higher interest rates Emotional distress Financial hardship Additional details : # DEMANDS FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau : 1. Conduct a formal investigation into this companys conduct ; 2. Require immediate deletion of this account from XXXX XXXX XXXX XXXX ; 3. Require written confirmation of deletion mailed to me within four ( 4 ) business days ; 4. Require confirmation that all collection activity has permanently ceased ; 5. Take appropriate enforcement action for violations of federal law ; 6. Hold the company accountable for damages authorized under : * FDCPA 15 U.S.C. 1692k * FCRA 15 U.S.C. 1681n # SUPPORTING DOCUMENTATION The following supporting documents have been preserved and are available upon request : * Copy of Cease and Desist / Debt Validation Letter * USPS Certified Mail Tracking Confirmation * Credit report screenshots from Experian, Equifax, and/or TransUnion * Additional supporting correspondence or records All records have been preserved for potential civil litigation under applicable federal statutes. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. # DESIRED RESOLUTION I am requesting the following resolution : 1. Immediate deletion of this account from Experian, Equifax, and TransUnion ; 2. Written confirmation of deletion mailed within four ( 4 ) business days ; 3. Written confirmation that all collection activity has permanently ceased ; 4. Refund of any amounts collected unlawfully, if applicable ; 5. Appropriate enforcement action against * * ALDOUS * * for willful violations of the FDCPA and FCRA.

Company response to consumer: Closed with explanation